PROV Valuation

Provident Financial Holdings Inc

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15.530

-0.15(-0.957%)1D

PROV Relative Valuation

PROV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PROV is overvalued; if below, it's undervalued.

Historical Valuation

Provident Financial Holdings Inc (PROV) is now in the Fair zone, suggesting that its current forward PE ratio of 12.65 is considered Fairly compared with the five-year average of 13.56. The fair price of Provident Financial Holdings Inc (PROV) is between 13.26 to 19.02 according to relative valuation methord.

Relative Value

Fair Zone

13.26-19.02

Current Price：15.68

Fair

12.65

Trailing

Forward

0.00

EV/EBITDA

Provident Financial Holdings Inc. (PROV) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Provident Financial Holdings Inc. (PROV) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

15.68

Provident Financial Holdings Inc. (PROV) has a current PS of 15.68. The 5-year average PS is 2.75. The thresholds are as follows: Strongly Undervalued below 0.84, Undervalued between 0.84 and 1.80, Fairly Valued between 3.71 and 1.80, Overvalued between 3.71 and 4.66, and Strongly Overvalued above 4.66. The current Forward PS of 15.68 falls within the Strongly Overvalued range.

0.00

P/OCF

Provident Financial Holdings Inc. (PROV) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Provident Financial Holdings Inc. (PROV) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Provident Financial Holdings Inc (PROV) has a current Price-to-Book (P/B) ratio of 0.80. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 6.39% higher. Relative to its 5-year average P/B ratio of 0.82, the current P/B ratio is about -3.32% higher. Provident Financial Holdings Inc (PROV) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 9.85%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.76% , the current FCF yield is about -100.00% lower.

0.80

P/B

Median3y

0.75

Median5y

0.82

0.00

FCF Yield

Median3y

9.85

Median5y

9.76

Competitors Valuation Multiple

The average P/S ratio for PROV's competitors is 12.44, providing a benchmark for relative valuation. Provident Financial Holdings Inc Corp (PROV) exhibits a P/S ratio of 15.68, which is 26.10% above the industry average. Given its robust revenue growth of 3.53%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PROV.O

Provident Financial Holdings Inc

Lake Shore Bancorp Inc

Riverview Bancorp Inc

Bogota Financial Corp

Performance Decomposition

Market capitalization of PROV decreased by 3.41% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 16.22 to 17.45.

The secondary factor is the Revenue Growth, contributed 3.53%to the performance.

Overall, the performance of PROV in the past 1 year is driven by P/E Change. Which is more unsustainable.

3.53%

9.16M → 9.48M

Revenue Growth

-14.51%

20.75 → 17.74

Margin Expansion

7.57%

16.22 → 17.45

P/E Change

-3.41%