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Upturn AI SWOT - About
Provident Financial Holdings Inc (PROV)
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Upturn Advisory Summary
06/30/2025: PROV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $16.5
1 Year Target Price $16.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.63% | Avg. Invested days 66 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 102.63M USD | Price to earnings Ratio 15.98 | 1Y Target Price 16.5 |
Price to earnings Ratio 15.98 | 1Y Target Price 16.5 | ||
Volume (30-day avg) 2 | Beta 0.32 | 52 Weeks Range 11.57 - 16.40 | Updated Date 06/30/2025 |
52 Weeks Range 11.57 - 16.40 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.59% | Basic EPS (TTM) 0.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.49% | Operating Margin (TTM) 28.73% |
Management Effectiveness
Return on Assets (TTM) 0.52% | Return on Equity (TTM) 5.1% |
Valuation
Trailing PE 15.98 | Forward PE 10.17 | Enterprise Value 269210816 | Price to Sales(TTM) 2.57 |
Enterprise Value 269210816 | Price to Sales(TTM) 2.57 | ||
Enterprise Value to Revenue 8.14 | Enterprise Value to EBITDA - | Shares Outstanding 6621150 | Shares Floating 4217739 |
Shares Outstanding 6621150 | Shares Floating 4217739 | ||
Percent Insiders 19.11 | Percent Institutions 48.63 |
Analyst Ratings
Rating 2 | Target Price 16.5 | 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., founded in 1983, operates as the holding company for Provident Savings Bank, F.S.B. It provides various financial products and services to individuals and businesses primarily in Riverside County, California. Over the years, it has focused on community banking and mortgage lending.
Core Business Areas
- Retail Banking: Offers deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit to individuals.
- Commercial Banking: Provides commercial real estate loans, business loans, and other services to businesses.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
Craig G. Blunden serves as Chairman and CEO. The company has a board of directors and a management team overseeing different areas of operations.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: Provident originates and services residential mortgage loans, primarily in Southern California. The market is highly competitive, with players like Wells Fargo and Chase Bank. Data on market share specific to Provident's geographic area is difficult to ascertain without specific research, but it operates in a highly competitive market.
- Commercial Real Estate Loans: Offers loans secured by commercial properties. Competitors include regional and national banks like Bank of America and U.S. Bank. Market share data is not readily available.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Faces competition from national and online banks.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, economic growth, and regulatory changes. Community banks face increased competition from larger institutions and fintech companies.
Positioning
Provident is a community bank focused on serving the needs of Southern California. It differentiates itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is substantial, encompassing retail banking, commercial lending, and mortgage origination. Provident is positioned to capture a segment of this market through its local focus.
Upturn SWOT Analysis
Strengths
- Strong local presence in Southern California
- Experienced management team
- Focus on customer service
- Strong capital position
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking solutions
- Growth in the Southern California economy
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn in Southern California
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of Southern California (BSCA)
- Pacific Premier Bancorp, Inc. (PPBI)
- Citizens Business Bank (CZBS)
Competitive Landscape
Provident faces stiff competition from larger, more diversified banks. Its advantages include strong local knowledge and relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is based on previous years. Growth trends require examining past financial reports.
Future Projections: Future growth projections can be derived from analyst reports and company guidance.
Recent Initiatives: Recent strategic initiatives would be found in their investor relations releases.
Summary
Provident Financial Holdings is a community-focused bank serving Southern California. It operates in a competitive environment and faces challenges from larger banks and economic factors. A strength is its local knowledge, which allows for tailored financial services. However, it has to be careful of risks rising from interest rates and regional slowdown.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (if available)
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimates and may not be precise. Please consult with a financial professional before making any investment decisions.
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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