Provident Financial Holdings, Inc. Financial Ratios — PROV

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Return on Common Equity (%)	9.31	7.09	15.32	3.64	5.28	3.93	2.71	1.11	2.31	3.99	3.85	4.54	4.19	3.52	2.96
Return on Assets (%)	0.97	0.84	2.09	0.57	0.86	0.64	0.44	0.18	0.39	0.68	0.64	0.77	0.68	0.56	0.5
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.94	1.7	1.61	2.66	2.52	2.75	3.97	5.38	6.07	8.29	17.8	13.35	7.76	8.12	8.94
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	31.87	23.46	39.35	18.61	23.19	18.51	13.25	9.5	11.68	26.64	28.93	35.41	30.24	26.73	22.75
Profit Margin (%)	18.11	13.53	23.76	10.59	13.31	10.77	7.82	3.66	8.72	18.79	21.47	25.04	20.93	18.91	16.04
Net Income to Common Margin (%)	18.11	13.53	23.76	10.59	13.31	10.77	7.82	3.66	8.72	18.79	21.47	25.04	20.93	18.91	16.04
Effective Tax Rate (%)	43.19	42.31	39.6	43.1	42.61	41.82	40.94	61.44	25.39	29.47	25.78	29.28	30.8	29.23	29.51
Dvd Payout Ratio (%)	3.45	14.54	9.85	60.01	41.36	53.71	79.11	198.4	94.95	54.4	55.19	45.6	46.53	52.88	60.21
Sustainable Growth Rate (%)	8.99	6.06	13.81	1.46	3.1	1.82	0.57	-1.09	0.12	1.82	1.73	2.47	2.24	1.66	1.18

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Total Debt	207	127	106	41	91	91	126	126	101	141	101	85	235	238	213
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	207	127	106	41	91	91	126	126	101	141	101	85	235	238	213
Total Debt/EBITDA	145.8	93.25	60.99	24.99	49.2	47.83	47.81	40.31	32.88	41.59	16.12	17.53	73.72	75.59	61.12
Net Debt/EBITDA	45.2	-13.7	-50.03	-46.75	5.37	21	20.23	26.47	9.91	7.38	4.9	12.7	53.06	59.31	45.87
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.28	12.43	14.86	16.52	16.04	16.38	16.07	16.23	17.61	16.53	16.72	17.09	15.56	16.51	17.07
Long-Term Debt/Equity (%)	145.76	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76
Long-Term Debt/Capital (%)	58.21	44.67	37.17	18.49	32.66	32.24	39.55	39.8	34.61	42.03	33.78	29.53	53.11	53.17	50.06
Long-Term Debt/Total Assets (%)	15.72	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11
Total Debt/Equity (%)	145.76	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76
Total Debt/Capital (%)	58.21	44.67	37.17	18.49	32.66	32.24	39.55	39.8	34.61	42.03	33.78	29.53	53.11	53.17	50.06
Total Debt/Total Assets (%)	15.72	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11
Net Debt to Equity	45.19	-12.84	-54.6	-53.14	7.06	30.04	41.64	68.79	25.26	20.18	24.13	47.87	130.44	144.01	124.4
Net Debt/Capital (%)	30.16	-13.46	-94.28	-73.72	5.02	17.29	21.68	30.28	13.76	11.39	13.43	23.29	44.92	47.11	42.92
EBITDA	1	1	2	2	2	2	3	3	3	3	6	5	3	3	3
EBITDA-CapEx	1	-1	1	1	1	- -	1	- -	3	3	6	5	2	2	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.28	12.43	14.86	16.52	16.04	16.38	16.07	16.23	17.61	16.53	16.72	17.09	15.56	16.51	17.07
Long-Term Debt/Equity (%)	145.76	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76
Long-Term Debt/Capital (%)	58.21	44.67	37.17	18.49	32.66	32.24	39.55	39.8	34.61	42.03	33.78	29.53	53.11	53.17	50.06
Long-Term Debt/Total Assets (%)	15.72	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11
Total Debt/Equity (%)	145.76	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76
Total Debt/Capital (%)	58.21	44.67	37.17	18.49	32.66	32.24	39.55	39.8	34.61	42.03	33.78	29.53	53.11	53.17	50.06
Total Debt/Total Assets (%)	15.72	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11
CFO/Total Liabilities	-0.21	-1.1	5.24	5.06	-5.59	4.6	7.78	2.65	11.11	0.76	1.1	1.11	1.36	0.5	0.78
CFO/CapEx	-2.75	-4.75	49.56	67.86	-153.66	31.5	55.96	9.62	238.51	34.73	51.44	71.47	22.03	3.58	16.39
Altman's Z-Score	0.26	0.31	0.39	0.38	0.37	0.38	0.37	0.36	0.39	0.32	0.34	0.33	0.29	0.31	0.27

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Accounts Receivable Turnover	17.34	22.64	34.63	22.79	27.68	24.69	23.37	19	15.27	12.22	11.23	12.17	12.3	9.72	9.17
Days Sales Outstanding	21.05	16.12	10.54	16.01	13.19	14.78	15.62	19.21	23.9	29.86	32.5	29.98	29.68	37.56	39.78
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Market Capitalization	91	130	168	144	151	153	152	144	157	100	129	110	91	87	- -
- Cash & Cash Equivalents	143	145	194	119	81	51	73	43	71	116	70	23	66	51	53
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	207	127	106	41	91	91	126	126	101	141	101	85	235	238	213
Enterprise Value	155	88	61	50	146	181	197	219	182	120	156	169	258	272	160
Total Capital	355	283	286	224	280	283	319	317	292	336	299	288	442	449	426
Total Debt/Capital (%)	58.21	44.67	37.17	18.49	32.66	32.24	39.55	39.8	34.61	42.03	33.78	29.53	53.11	53.17	50.06
Total Debt / EV	1.33	1.43	1.73	0.82	0.62	0.5	0.64	0.58	0.56	1.17	0.65	0.5	0.91	0.88	1.33
EV/Sales	2.13	1.11	0.57	0.81	1.99	2.61	2.95	3.77	3.58	2.94	4.43	4.65	6.29	7	4.1
EV/EBITDA	109.58	65.1	35.22	30.44	78.84	94.98	74.44	70.05	59.07	35.51	24.9	34.79	80.95	86.23	45.87
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	1.12	1.04	- -	3.79	2.36	7.83	1.7	15.14	13.48	14.31	15.81	47.86	18.41
EV/Free Cash Flow to Firm	- -	- -	1.09	1.03	- -	3.68	2.31	7.1	1.69	14.71	13.23	14.11	15.12	37.4	17.35
Diluted Market Cap	91	130	172	147	154	156	156	147	160	102	130	110	92	87	- -
Diluted Enterprise Value	155	111	85	70	164	196	209	230	190	127	161	172	261	274	160
EV per Share	13.63	7.85	5.8	5.09	16.27	21.72	24.82	29.07	24.26	16.13	20.9	22.79	36.13	39.19	- -
TTM Sales	73	80	109	62	74	69	67	58	51	41	35	36	41	39	39
TTM EBITDA	1	1	2	2	2	2	3	3	3	3	6	5	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-2	-12	55	49	-58	48	83	28	107	8	12	12	16	6	9
TTM Free Cash Flow to Firm	-2	-10	56	49	-57	49	85	31	108	8	12	12	17	7	9

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2011	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Price/Free Cash Flow	-59.57	-13.34	3.06	2.99	-2.68	3.17	1.84	4.76	1.48	12.48	11.03	9.24	5.37	11.96	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	155	88	61	50	146	181	197	219	182	120	156	169	258	272	160
Low Price	4.57	7.92	10.92	13.75	14.04	15.51	17.68	17.62	14.67	11.78	11.4	13.76	11.61	10.16	12.01
EV/Sales	2.13	1.11	0.57	0.81	1.99	2.61	2.95	3.77	3.58	2.94	4.43	4.65	6.29	7	4.1
EV/EBITDA	109.58	65.1	35.22	30.44	78.84	94.98	74.44	70.05	59.07	35.51	24.9	34.79	80.95	86.23	45.87
Price/Earnings	6.9	12.01	6.53	21.85	15.36	20.44	29.27	67.53	35.58	13.02	17.05	12.08	10.6	11.81	- -
Price/Earnings Average	6	9.98	6.29	23.49	14.26	19.41	29.24	66.5	31.52	18.15	14.7	13.36	11.55	12.33	- -
Price/Earnings High	7.5	12.3	8.09	27.98	16.92	21.43	31.42	70.78	36.95	22.32	18.24	14.86	12.62	14.55	- -
Price/Earnings Low	3.94	8.25	4.49	20.66	12.89	17.32	26.89	62.36	24.86	11.44	11.25	11.2	9.65	9.6	- -
Price/Book Value	0.62	0.83	0.94	0.79	0.8	0.8	0.79	0.75	0.82	0.51	0.65	0.54	0.44	0.41	- -
Price/Book Value Average	0.53	0.69	0.9	0.85	0.74	0.76	0.79	0.74	0.73	0.72	0.56	0.6	0.48	0.43	- -
Price/Book Value High	0.67	0.85	1.16	1.01	0.88	0.84	0.85	0.79	0.85	0.88	0.7	0.67	0.52	0.51	- -
Price/Book Value Low	0.35	0.57	0.64	0.75	0.67	0.67	0.73	0.7	0.57	0.45	0.43	0.5	0.4	0.34	- -
Price/Tangible Book Value	0.64	0.9	1.05	0.99	1.07	1.14	1.19	1.19	1.3	0.81	1.01	0.85	0.7	0.67	- -
Price/Tangible Book Value Average	0.56	0.75	1.01	1.06	0.99	1.09	1.19	1.18	1.15	1.13	0.87	0.94	0.77	0.7	- -
Price/Tangible Book Value High	0.7	0.92	1.3	1.27	1.18	1.2	1.28	1.25	1.35	1.38	1.08	1.05	0.84	0.82	- -
Price/Tangible Book Value Low	0.37	0.62	0.72	0.94	0.89	0.97	1.09	1.1	0.91	0.71	0.67	0.79	0.64	0.54	- -
Price/Sales	1.25	1.63	1.55	2.31	2.04	2.2	2.29	2.47	3.1	2.45	3.66	3.02	2.22	2.23	- -
Price/Sales Average	1.09	1.35	1.5	2.49	1.9	2.09	2.29	2.44	2.75	3.41	3.16	3.35	2.42	2.33	- -
Price/Sales High	1.36	1.66	1.92	2.96	2.25	2.31	2.46	2.59	3.22	4.19	3.92	3.72	2.64	2.75	- -
Price/Sales Low	0.71	1.12	1.07	2.19	1.71	1.87	2.1	2.28	2.17	2.15	2.42	2.81	2.02	1.82	- -
Price/Cash Flow	-37.79	-10.53	3.06	2.97	-2.61	3.2	1.83	5.14	1.47	12.59	11.14	9.31	5.58	15.27	- -
Price/Cash Flow Average	-32.86	-8.75	2.95	3.2	-2.42	3.04	1.82	5.06	1.3	17.55	9.6	10.3	6.08	15.94	- -
Price/Cash Flow High	-41.05	-10.79	3.79	3.81	-2.87	3.35	1.96	5.39	1.52	21.58	11.92	11.46	6.64	18.81	- -
Price/Cash Flow Low	-21.56	-7.24	2.1	2.81	-2.19	2.71	1.68	4.75	1.03	11.06	7.35	8.64	5.08	12.41	- -
Price/Free Cash Flow Average	-51.8	-11.09	2.95	3.21	-2.48	3.01	1.83	4.68	1.31	17.39	9.51	10.22	5.85	12.49	- -
Price/Free Cash Flow High	-64.7	-13.67	3.8	3.82	-2.95	3.32	1.97	4.98	1.54	21.39	11.81	11.37	6.4	14.73	- -
Price/Free Cash Flow Low	-33.99	-9.17	2.11	2.82	-2.24	2.69	1.69	4.39	1.04	10.96	7.28	8.57	4.89	9.72	- -
EV/Sales Average	1.96	1.12	0.69	1.24	2.03	2.67	3.09	3.86	3.35	4.02	4.03	5.04	6.54	7.15	4.1
EV/Sales High	2.23	1.43	1.12	1.72	2.39	2.89	3.26	4.02	3.82	4.81	4.79	5.42	6.76	7.57	4.1
EV/Sales Low	1.59	0.88	0.26	0.95	1.85	2.44	2.91	3.71	2.77	2.76	3.29	4.5	6.14	6.63	4.1
EV/EBITDA Average	101.19	65.81	42.94	46.85	80.63	97.01	77.89	71.75	55.19	48.54	22.64	37.75	84.19	88.03	45.89
EV/EBITDA High	115.13	84.3	69.52	64.73	94.71	104.92	82.2	74.67	62.99	57.99	26.92	40.57	87.07	93.2	45.89
EV/EBITDA Low	81.93	52.02	16.28	35.57	73.39	88.82	73.26	68.93	45.63	33.31	18.48	33.71	79.08	81.67	45.89
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.01	11.53	15.88	14.54	16.74	18.3	19.25	19.08	20.99	13.41	17.27	14.83	12.75	12.5	15.5
High Price	8.7	11.81	19.69	18.62	18.44	19.19	20.66	20	21.8	22.99	18.48	18.25	15.18	15.4	16.7
Enterprise Value Average	143	89	75	78	150	185	206	225	170	165	142	183	268	278	160
Enterprise Value High	163	114	121	107	176	200	217	234	194	197	169	197	278	294	160
Enterprise Value Low	116	71	28	59	136	170	193	216	140	113	116	163	252	258	160

Shares Outstanding	11	11	10	9	9	8	8	7	7	7	8	7	7	7	7
Diluted Weighted Avg Shares	11	11	11	10	9	9	8	8	8	8	8	7	7	7	- -
Basic Weighted Avg Shares	11	11	11	10	9	8	8	8	7	7	7	7	7	7	- -
Revenue per Share	6.41	7.09	10.24	6.29	8.19	8.31	8.41	7.72	6.77	5.48	4.72	4.9	5.75	5.6	- -
EBITDA per Share	0.12	0.12	0.16	0.17	0.21	0.23	0.33	0.42	0.41	0.45	0.84	0.65	0.45	0.45	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.16	0.96	2.43	0.67	1.09	0.9	0.66	0.28	0.59	1.03	1.01	1.23	1.2	1.06	- -
Basic EPS from Cont Ops	1.16	0.96	2.43	0.67	1.09	0.9	0.66	0.28	0.59	1.03	1.01	1.23	1.2	1.06	- -
Diluted EPS, GAAP	1.16	0.96	2.38	0.65	1.07	0.88	0.64	0.28	0.58	1.01	1	1.22	1.19	1.06	- -
Diluted EPS from Cont Ops	1.16	0.96	2.38	0.65	1.07	0.88	0.64	0.28	0.58	1.01	1	1.22	1.19	1.06	- -
Dividend per Share	0.04	0.14	0.24	0.4	0.45	0.48	0.52	0.56	0.56	0.56	0.56	0.56	0.56	0.56	- -
Cash Flow per Share	-0.21	-1.09	5.19	4.89	-6.42	5.72	10.54	3.71	14.3	1.07	1.55	1.59	2.29	0.82	- -
Free Cash Flow per Basic Share	-0.29	-1.32	5.09	4.82	-6.46	5.54	10.35	3.32	14.24	1.03	1.52	1.57	2.18	0.59	- -
Cash & Equivalents per Share	12.52	14.92	20.13	13.63	10.62	7.52	10.37	6.74	10.23	16.18	9.89	3.52	9.52	7.67	- -
Book Value per Share	13.02	13.92	16.98	18.4	20.94	22.98	24.37	25.3	25.52	26.06	26.51	27.4	29.04	30.26	- -
Tangible Book Value per Share	12.45	12.86	15.09	14.69	15.69	15.99	16.19	15.97	16.11	16.61	17.05	17.38	18.16	18.72	- -

Provident Financial Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)