FMP
Provident Financial Holdings, Inc.
PROV
NASDAQ
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
15.34 USD
0.03 (0.196%)
Operating Data
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Revenue
40.92M
35.21M
36.31M
41.06M
38.86M
38.56M
38.26M
37.97M
37.67M
37.38M
Revenue %
-
-13.95
3.12
13.08
-5.35
-0.77
-0.77
-0.77
-0.77
Ebitda
14.29M
16.45M
17.71M
15.6M
-
12.99M
12.89M
12.79M
12.69M
12.59M
Ebitda %
34.93
46.73
48.76
38
-
33.68
33.68
33.68
33.68
Ebit
10.9M
10.19M
12.86M
12.42M
-
9.35M
9.28M
9.2M
9.13M
9.06M
Ebit %
26.64
28.93
35.41
30.24
-
24.24
24.24
24.24
24.24
Depreciation
3.39M
6.27M
4.85M
3.19M
-
3.64M
3.61M
3.58M
3.56M
3.53M
Depreciation %
8.29
17.8
13.35
7.76
-
9.44
9.44
9.44
9.44
Balance Sheet
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Total Cash
116.03M
70.27M
23.41M
65.85M
51.38M
35.82M
35.55M
35.27M
35M
34.73M
Total Cash %
283.56
199.56
64.48
160.37
132.19
92.9
92.9
92.9
92.9
Receivables
3.27M
3M
2.97M
3.71M
4.29M
3.45M
3.42M
3.4M
3.37M
3.35M
Receivables %
7.99
8.52
8.17
9.04
11.03
8.95
8.95
8.95
8.95
Inventories
-
-
-
-
-
-
-
-
-
-
Inventories %
-
-
-
-
-
-
-
-
-
Payable
18.84M
17.36M
17.88M
17.68M
-
14.47M
14.36M
14.25M
14.14M
14.03M
Payable %
46.05
49.3
49.25
43.06
-
37.53
37.53
37.53
37.53
Cap Ex
-229k
-225k
-165k
-741k
-1.59M
-582.01k
-577.5k
-573.03k
-568.59k
-564.18k
Cap Ex %
-0.56
-0.64
-0.45
-1.8
-4.09
-1.51
-1.51
-1.51
-1.51
Weighted Average Cost Of Capital
Price
15.34
Beta
Diluted Shares Outstanding
6.96M
Costof Debt
8.3
Tax Rate
After Tax Cost Of Debt
5.88
Risk Free Rate
Market Risk Premium
Cost Of Equity
Total Debt
238.5M
Total Equity
106.75M
Total Capital
345.25M
Debt Weighting
69.08
Equity Weighting
30.92
Wacc
5.58
Build Up Free Cash Flow
Year
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
Revenue
40.92M
35.21M
36.31M
41.06M
38.86M
38.56M
38.26M
37.97M
37.67M
37.38M
Ebitda
14.29M
16.45M
17.71M
15.6M
-
12.99M
12.89M
12.79M
12.69M
12.59M
Ebit
10.9M
10.19M
12.86M
12.42M
-
9.35M
9.28M
9.2M
9.13M
9.06M
Tax Rate
29.23
29.23
29.23
29.23
29.23
29.23
29.23
29.23
29.23
29.23
Ebiat
7.69M
7.56M
9.09M
8.59M
-
6.65M
6.59M
6.54M
6.49M
6.44M
Depreciation
3.39M
6.27M
4.85M
3.19M
-
3.64M
3.61M
3.58M
3.56M
3.53M
Receivables
3.27M
3M
2.97M
3.71M
4.29M
3.45M
3.42M
3.4M
3.37M
3.35M
Inventories
-
-
-
-
-
-
-
-
-
-
Payable
18.84M
17.36M
17.88M
17.68M
-
14.47M
14.36M
14.25M
14.14M
14.03M
Cap Ex
-229k
-225k
-165k
-741k
-1.59M
-582.01k
-577.5k
-573.03k
-568.59k
-564.18k
Ufcf
26.43M
12.39M
14.33M
10.09M
-19.85M
25.01M
9.54M
9.47M
9.4M
9.32M
Wacc
5.58
5.58
5.58
5.58
5.58
Pv Ufcf
23.69M
8.56M
8.05M
7.56M
7.11M
Sum Pv Ufcf
54.97M
Terminal Value
Growth In Perpetuity Method
Long Term Growth Rate
Wacc
5.58
Free Cash Flow T1
9.51M
Terminal Value
265.48M
Present Terminal Value
202.34M
Intrinsic Value
Enterprise Value
257.31M
Net Debt
187.12M
Equity Value
70.18M
Diluted Shares Outstanding
6.96M
Equity Value Per Share
10.08
Projected DCF
10.08 -0.522%
