Provident Financial (PROV) Competitors

Territorial Bancorp (NASDAQ:TBNK) and Provident Financial (NASDAQ:PROV) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their community ranking, media sentiment, analyst recommendations, profitability, earnings, valuation, dividends, institutional ownership and risk.

Which has better earnings and valuation, TBNK or PROV?

Provident Financial has lower revenue, but higher earnings than Territorial Bancorp. Provident Financial is trading at a lower price-to-earnings ratio than Territorial Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Territorial Bancorp	$71.56M	1.05	$5.03M	$0.25	33.88
Provident Financial	$50.07M	1.73	$8.59M	$1.04	12.12

Is TBNK or PROV more profitable?

Provident Financial has a net margin of 12.57% compared to Provident Financial's net margin of 3.06%. Territorial Bancorp's return on equity of 5.56% beat Provident Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Territorial Bancorp	3.06%	0.89%	0.10%
Provident Financial	12.57%	5.56%	0.55%

Which has more volatility & risk, TBNK or PROV?

Territorial Bancorp has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.4, indicating that its stock price is 60% less volatile than the S&P 500.

Do analysts rate TBNK or PROV?

Territorial Bancorp presently has a consensus price target of $9.08, suggesting a potential upside of 6.95%. Provident Financial has a consensus price target of $14.00, suggesting a potential upside of 11.11%. Given Territorial Bancorp's higher probable upside, analysts plainly believe Provident Financial is more favorable than Territorial Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Territorial Bancorp	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is TBNK or PROV a better dividend stock?

Territorial Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.4%. Territorial Bancorp pays out 80.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Provident Financial pays out 53.8% of its earnings in the form of a dividend. Provident Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do insiders & institutionals hold more shares of TBNK or PROV?

50.4% of Territorial Bancorp shares are owned by institutional investors. Comparatively, 71.3% of Provident Financial shares are owned by institutional investors. 9.0% of Territorial Bancorp shares are owned by insiders. Comparatively, 15.1% of Provident Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Does the media prefer TBNK or PROV?

In the previous week, Territorial Bancorp had 5 more articles in the media than Provident Financial. MarketBeat recorded 8 mentions for Territorial Bancorp and 3 mentions for Provident Financial. Territorial Bancorp's average media sentiment score of 0.43 beat Provident Financial's score of -0.13 indicating that Provident Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Territorial Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	4 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
Provident Financial	1 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Does the MarketBeat Community believe in TBNK or PROV?

Provident Financial received 27 more outperform votes than Territorial Bancorp when rated by MarketBeat users. However, 50.12% of users gave Territorial Bancorp an outperform vote while only 45.87% of users gave Provident Financial an outperform vote.

Company	Underperform	Outperform
Territorial Bancorp	Outperform Votes 206 50.12%	Underperform Votes 205 49.88%
Provident Financial	Outperform Votes 233 45.87%	Underperform Votes 275 54.13%

Summary

Provident Financial beats Territorial Bancorp on 13 of the 18 factors compared between the two stocks.