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Upturn AI SWOT - About
Provident Financial Holdings Inc (PROV)
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Upturn Advisory Summary
04/01/2025: PROV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 18.74% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 97.08M USD | Price to earnings Ratio 15.95 | 1Y Target Price 15.75 |
Price to earnings Ratio 15.95 | 1Y Target Price 15.75 | ||
Volume (30-day avg) 6147 | Beta 0.34 | 52 Weeks Range 11.68 - 16.55 | Updated Date 04/1/2025 |
52 Weeks Range 11.68 - 16.55 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.84% | Basic EPS (TTM) 0.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.18% | Operating Margin (TTM) 15.68% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 4.82% |
Valuation
Trailing PE 15.95 | Forward PE 10.17 | Enterprise Value 298853216 | Price to Sales(TTM) 2.53 |
Enterprise Value 298853216 | Price to Sales(TTM) 2.53 | ||
Enterprise Value to Revenue 8.93 | Enterprise Value to EBITDA - | Shares Outstanding 6690710 | Shares Floating 4296239 |
Shares Outstanding 6690710 | Shares Floating 4296239 | ||
Percent Insiders 18.95 | Percent Institutions 48.41 |
Analyst Ratings
Rating 3 | Target Price 16.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Provident Financial Holdings Inc
Company Overview
History and Background
Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.S.B. The Bank has been serving the Inland Empire in Southern California since its founding. While specific founding year and detailed milestones require further research, it focuses on providing financial services to its local community.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans (residential, commercial real estate, and consumer), and other financial products tailored to the needs of individuals and small businesses in the Inland Empire.
Leadership and Structure
Information about Provident Financial Holdings Inc's leadership team and organizational structure is available on their investor relations website and SEC filings. Details on key executives, board members, and the overall corporate structure are publicly accessible but not explicitly included here due to the dynamic nature of this information.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data requires specific research into their service area. Competitors include larger national banks and other local lenders.
- Commercial Real Estate Loans: Offers financing for commercial properties. Market share is dependent on local Inland Empire market conditions. Competitors are other regional and national banks.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share is determined by local deposit market share within the Inland Empire. Competitors include larger national banks and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. Community banks face the challenge of balancing profitability with serving their local communities.
Positioning
Provident Financial Holdings, Inc. is positioned as a community bank focused on serving the Inland Empire region of Southern California. Its competitive advantage lies in its local expertise, personalized service, and long-standing relationships with customers.
Total Addressable Market (TAM)
The TAM consists of the total banking services market in the Inland Empire region. Provident Financial Holdings Inc's positioning within this TAM involves capturing a share of deposits, loans, and other financial services through its local presence and community focus. TAM size requires specific market data for the Inland Empire.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Inland Empire
- Personalized customer service
- Established relationships with the community
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Reliance on the Inland Empire economy
- Potentially lower technology spending than larger banks
Opportunities
- Expansion into new markets within Southern California
- Increased adoption of digital banking services
- Growing demand for commercial real estate loans
- Strategic partnerships with fintech companies
Threats
- Increasing competition from larger banks and credit unions
- Economic downturn in the Inland Empire
- Rising interest rates
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- BofA
- C
- JPM
Competitive Landscape
Provident Financial Holdings, Inc. faces stiff competition from larger national banks with greater resources and brand recognition. Its advantage lies in its local focus and personalized service, but it must compete effectively on pricing and technology to maintain its market share.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be analyzed based on past financial statements and strategic initiatives.
Future Projections: Future growth projections depend on analyst estimates and company guidance, and change with each period.
Recent Initiatives: Requires tracking company announcements and press releases. Could include expansion plans, technological upgrades, or new product offerings.
Summary
Provident Financial Holdings Inc is a smaller community bank with a regional focus in the Inland Empire. Its strengths lie in local knowledge and customer service. However, it faces challenges due to limited scale and competition from larger national banks. The bank must adapt to changing technology and market dynamics to maintain its position and grow.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- FDIC Data
- Third party financial data providers
- AI-Generated Analysis
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is estimated and may not be precise. Investing in financial institutions carries risk, including the potential loss of principal.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Provident Financial Holdings Inc
Exchange NASDAQ | Headquaters Riverside, CA, United States | ||
IPO Launch date 1996-06-28 | President & CEO Mr. Donavon P. Ternes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 94 | Website https://www.myprovident.com |
Full time employees 94 | Website https://www.myprovident.com | ||
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. The company's deposit products include checking, savings, and money market and time deposit accounts; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
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