Provident Financial Holdings, Inc.
NASDAQTotal Valuation
Provident Financial Holdings, Inc. carries a market capitalization of 116.63M, placing it among publicly traded companies globally. Its enterprise value stands at 214.64M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 116.63M |
| Enterprise Value | 214.64M |
Share Statistics
Provident Financial Holdings, Inc. currently has 6.26M shares outstanding.
| Shares Outstanding | 6.26M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Provident Financial Holdings, Inc. trades at a trailing price-to-earnings ratio of 16.58. The price-to-sales ratio is 2.75, and the price-to-book ratio stands at 0.85.
| PE Ratio | 16.58 |
| PS Ratio | 2.75 |
| PB Ratio | 0.85 |
| P/TBV Ratio | 0.85 |
| P/FCF Ratio | 11.86 |
| P/OCF Ratio | 12.30 |
Enterprise Valuation
On an enterprise value basis, Provident Financial Holdings, Inc. trades at an EV/EBITDA multiple of 55.51 and an EV/FCF ratio of 22.83.
| EV / Sales | 5.36 |
| EV / EBITDA | 55.51 |
| EV / EBIT | N/A |
| EV / FCF | 22.83 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 124.42 |
| Debt / EBITDA | 40.61 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 5.22 |
| Return on Assets (ROA) | 0.54 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Provident Financial Holdings, Inc. has paid 2.98M in income taxes, reflecting an effective tax rate of 30.94.
| Income Tax | 2.98M |
| Effective Tax Rate | 30.94 |
Stock Price Statistics
Provident Financial Holdings, Inc.'s stock has gained approximately 20.71197% over the past 52 weeks. The 50-day moving average sits at 17.70, while the 200-day moving average is 16.70.
| Beta (5Y) | N/A |
| 52-Week Price Change | 20.71197% |
| 50-Day Moving Average | 17.70 |
| 200-Day Moving Average | 16.70 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Provident Financial Holdings, Inc. generated 40.05M in revenue and converted that into 6.66M in net income, yielding earnings per share of 1.03.
| Revenue | 40.05M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 9.64M |
| Net Income | 6.66M |
| EBITDA | 3.87M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.03 |
Balance Sheet
Provident Financial Holdings, Inc. holds 50.15M in cash and equivalents against 157.05M in total debt, resulting in a net debt position of 107.79M.
| Cash & Cash Equivalents | 50.15M |
| Total Debt | 157.05M |
| Net Debt | 107.79M |
| Equity (Book Value) | 126.22M |
| Book Value Per Share | 20.15 |
| Working Capital | N/A |
Cash Flow
Provident Financial Holdings, Inc. produced 8.97M in operating cash flow over the past twelve months. After subtracting -432,000.00 in capital expenditures, free cash flow totaled 8.54M - equivalent to 1.33 per share.
| Operating Cash Flow | 8.97M |
| Capital Expenditures | -432,000.00 |
| Free Cash Flow | 8.54M |
| FCF Per Share | 1.33 |
Margins
Provident Financial Holdings, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 24.06 |
| Profit Margin | 16.62 |
| EBITDA Margin | 9.65 |
Dividends & Yields
The company's payout ratio of 53.97 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.56 |
| Dividend Yield | N/A |
| Payout Ratio | 53.97 |
| Shareholder Yield | 41.16 |
| FCF Yield | 8.43 |
Stock Splits
Provident Financial Holdings, Inc.'s most recent stock split took place on February 3, 2004 with a 2:3 split ratio.
| Last Split Date | 2/3/2004 |
| Split Ratio | 2:3 |
Scores
Provident Financial Holdings, Inc. posts an Altman Z-Score of 0.34, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.34 |