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.
15.01 USD
-0.09 (-0.6%)
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
13.54M
15.68M
15.56M
15.44M
15.32M
15.2M
Ebitda %
34.93
46.73
48.76
38
34.84
40.65
40.65
40.65
40.65
Ebit
10.9M
10.19M
12.86M
12.42M
10.39M
11.41M
11.32M
11.23M
11.15M
11.06M
Ebit %
26.64
28.93
35.41
30.24
26.73
29.59
29.59
29.59
29.59
Depreciation
3.39M
6.27M
4.85M
3.19M
3.15M
4.27M
4.23M
4.2M
4.17M
4.14M
Depreciation %
8.29
17.8
13.35
7.76
8.12
11.06
11.06
11.06
11.06
EBIT (Operating profit)(Operating income)(Operating earning) = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) EBIT = (1*) (2*) -> operating process (leverage -> interest -> EBT -> tax -> net Income) EBITDA = GROSS MARGIN (REVENUE - COGS) - OPERATING EXPENSES (R&D, RENT) + Depreciation + amortization EBITA = (1*) (2*) (3*) (4*) company's CURRENT operating profitability (i.e., how much profit it makes with its present assets and its operations on the products it produces and sells, as well as providing a proxy for cash flow) -> performance of a company (1*) discounting the effects of interest payments from different forms of financing (by ignoring interest payments), (2*) political jurisdictions (by ignoring tax), collections of assets (by ignoring depreciation of assets), and different takeover histories (by ignoring amortization often stemming from goodwill) (3*) collections of assets (by ignoring depreciation of assets) (4*) different takeover histories (by ignoring amortization often stemming from goodwill)
