Provident Financial Holdings (NASDAQ: PROV) is one of 308 publicly-traded companies in the “Banks” industry, but how does it compare to its peers? We will compare Provident Financial Holdings to related businesses based on the strength of its dividends, risk, valuation, analyst recommendations, earnings, profitability and institutional ownership.

Analyst Recommendations

This is a breakdown of current recommendations for Provident Financial Holdings and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Provident Financial Holdings 0 1 0 0 2.00
Provident Financial Holdings Competitors 2066 8039 8187 326 2.36

Provident Financial Holdings presently has a consensus price target of $20.00, suggesting a potential upside of 5.26%. As a group, “Banks” companies have a potential downside of 7.39%. Given Provident Financial Holdings’ higher possible upside, equities research analysts plainly believe Provident Financial Holdings is more favorable than its peers.

Earnings & Valuation

This table compares Provident Financial Holdings and its peers revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Provident Financial Holdings $73.24 million $5.20 million 46.34
Provident Financial Holdings Competitors $5.61 billion $836.95 million 388.09

Provident Financial Holdings’ peers have higher revenue and earnings than Provident Financial Holdings. Provident Financial Holdings is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Dividends

Provident Financial Holdings pays an annual dividend of $0.56 per share and has a dividend yield of 2.9%. Provident Financial Holdings pays out 136.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 35.0% of their earnings in the form of a dividend.

Volatility & Risk

Provident Financial Holdings has a beta of -0.02, suggesting that its share price is 102% less volatile than the S&P 500. Comparatively, Provident Financial Holdings’ peers have a beta of 0.81, suggesting that their average share price is 19% less volatile than the S&P 500.

Institutional and Insider Ownership

58.9% of Provident Financial Holdings shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 12.7% of Provident Financial Holdings shares are owned by insiders. Comparatively, 10.1% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Provident Financial Holdings and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Provident Financial Holdings 4.82% 3.79% 0.41%
Provident Financial Holdings Competitors 18.96% 8.95% 0.95%

Summary

Provident Financial Holdings peers beat Provident Financial Holdings on 11 of the 15 factors compared.

Provident Financial Holdings Company Profile

Provident Financial Holdings, Inc. is the holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Company operates through two segments: Provident Bank and Provident Bank Mortgage (PBM). The Bank’s operations primarily consist of accepting deposits from customers within the communities surrounding the Bank’s full service offices and investing those funds in single-family loans, multi-family loans, commercial real estate loans, construction loans, commercial business loans, consumer loans and other mortgage loans. PBM operations primarily consist of the origination, purchase and sale of mortgage loans secured by single-family residences. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank offers business checking accounts, other business banking services and services loans for others.

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