Provident Financial Holdings Company Profile (NASDAQ:PROV)

About Provident Financial Holdings

Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Company operates through two segments: Provident Bank and Provident Bank Mortgage. The Company's Provident Bank offers community banking activities. Provident Bank Mortgage offers mortgage banking activities. The Company's community banking activities primarily consist of accepting deposits from customers within the communities surrounding the Bank's full service offices and investing those funds in single-family loans, multi-family loans, commercial real estate loans, construction loans, commercial business loans, consumer loans and other real estate loans. The Company's mortgage banking activities consist of the origination, purchase and sale of mortgage loans secured primarily by single-family residences. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California.

Industry, Sector and Symbol:

Sector: Finance
Industry: Savings & Loans
Sub-Industry: Thrifts & Mortgage Finance
Exchange: NASDAQ
Symbol: PROV
CUSIP: 74386810

Key Metrics:

Previous Close: $19.29
50 Day Moving Average: $19.39
200 Day Moving Average: $18.39
52-Week Range: $16.05 - $20.00
Trailing P/E Ratio: 21.92
Foreward P/E Ratio: 17.86
P/E Growth: -1.32
Market Cap: $152.89M
Outstanding Shares: 7,926,000
Beta: 0.08

Profitability:

Net Margins: 9.79%
Return on Equity: 5.47%
Return on Assets: 0.64%

Debt:

Debt-to-Equity Ratio: 0.68%
Current Ratio: 1.14%
Quick Ratio: 0.94%

Additional Links:

Companies Related to Provident Financial Holdings:

Consensus Ratings for Provident Financial Holdings (NASDAQ:PROV) (?)

Ratings Breakdown:	6 Hold Ratings, 2 Buy Ratings
Consensus Rating:	Hold (Score: 2.25)
Consensus Price Target:	$19.00 (1.50% downside)

Analysts' Ratings History for Provident Financial Holdings (NASDAQ:PROV)

Show:

Date	Firm	Action	Rating	Price Target
8/3/2016	Citigroup Inc.	Reiterated Rating	Buy
7/29/2016	Keefe, Bruyette & Woods	Boost Price Target	Market Perform	$17.50 -> $19.00
7/27/2016	Beaufort Securities	Reiterated Rating	Hold
6/25/2016	Shore Capital	Reiterated Rating	Hold
6/17/2016	Barclays PLC	Reiterated Rating	Overweight
12/17/2015	Sandler O'Neill	Downgrade	Buy -> Hold
11/10/2015	Piper Jaffray Cos.	Downgrade	Hold
10/18/2015	Numis Securities Ltd	Reiterated Rating	Hold
4/30/2015	Compass Point	Downgrade	Buy -> Neutral	$17.00 -> $18.00

(Data available from 9/30/2014 forward)

Earnings History for Provident Financial Holdings (NASDAQ:PROV)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
10/25/2016
7/26/2016	Q116	$0.23	$0.34	$17.44 million		View	N/A
4/26/2016	Q3	$0.19	$0.18	$16.44 million		View	N/A
1/26/2016	Q2	$0.28	$0.11	$17.88 million		View	N/A
10/27/2015	Q1	$0.25	$0.28	$17.83 million		View	N/A
7/28/2015	Q4	$0.30	$0.28	$19.50 million		View	Listen
4/28/2015	Q115	$0.26	$0.29	$17.93 million		View	N/A
1/26/2015	Q215	$0.24	$0.25	$17.09 million		View	N/A
10/29/2014	Q115	$0.23	$0.25	$16.91 million	$17.87 million	View	N/A
7/30/2014	Q414	$0.16	$0.22	$14.60 million		View	N/A
4/29/2014	Q314	$0.18	$0.14	$14.40 million		View	N/A
1/30/2014	Q214	$0.17	$0.16	$16.00 million		View	N/A
10/29/2013	Q114	$0.43	$0.14	$25.10 million		View	N/A
7/30/2013	Q4 2013	$0.41	$0.49	$23.40 million		View	N/A
4/25/2013	Q3 2013	$0.48	$0.45	$26.10 million		View	N/A
1/24/2013	Q2 2013	$0.48	$0.64	$27.40 million		View	N/A
10/25/2012		$0.37	$0.72			View	N/A
7/30/2012		$0.23	$0.39			View	N/A
4/26/2012		$0.20	$0.21			View	N/A
1/31/2012		$0.24	$0.16			View	N/A
10/27/2011		$0.23	$0.20			View	N/A
7/28/2011		$0.22	$0.18			View	N/A
4/28/2011		$0.21	$0.20			View	N/A
1/27/2011		$0.18	$0.37			View	N/A

(Data available from 1/1/2011 forward)

Earnings Estimates for Provident Financial Holdings (NASDAQ:PROV)

Current Year EPS Consensus Estimate: $1.15 EPS
Next Year EPS Consensus Estimate: $1.08 EPS

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q4 2016	1	$0.25	$0.25	$0.25
Q1 2017	1	$0.35	$0.35	$0.35
Q2 2017	1	$0.23	$0.23	$0.23
Q4 2017	1	$0.39	$0.39	$0.39
Q1 2018	1	$0.39	$0.39	$0.39
Q2 2018	1	$0.28	$0.28	$0.28
Q3 2018	1	$0.27	$0.27	$0.27
Q4 2018	1	$0.33	$0.33	$0.33

(Data provided by Zacks Investment Research)

Current Dividend Information for Provident Financial Holdings (NASDAQ:PROV)

Annual Dividend:	$0.52
Dividend Yield:	2.70%
Payout Ratio:	59.09% (Based on Trailing 12 Months of Earnings) 45.22% (Based on Current Year Consensus EPS Estimate) 48.15% (Based on Next Year Consensus EPS Estimate)

Dividend History for Provident Financial Holdings (NASDAQ:PROV)

Announced	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
7/26/2016	Quarterly	$0.13		8/11/2016	8/15/2016	9/5/2016
4/27/2016	Quarterly	$0.12		5/13/2016	5/17/2016	6/7/2016
1/27/2016	Quarterly	$0.12		2/11/2016	2/16/2016	3/8/2016
10/23/2015	Quarterly	$0.12		11/9/2015	11/12/2015	12/3/2015
7/21/2015		$0.12		8/7/2015	8/11/2015	9/1/2015
4/30/2015	quarterly	$0.12	2.9%	5/15/2015	5/19/2015	6/9/2015
1/30/2015	quarterly	$0.11	2.84%	2/13/2015	2/18/2015	3/12/2015
10/30/2014	quarterly	$0.11	2.97%	11/18/2014	11/20/2014	12/12/2014
7/22/2014	quarterly	$0.11	3.03%	8/8/2014	8/12/2014	9/3/2014
4/29/2014	quarterly	$0.10	2.84%	5/16/2014	5/20/2014	6/11/2014
1/28/2014	quarterly	$0.10	2.81%	2/14/2014	2/19/2014	3/10/2014
10/30/2013	quarterly	$0.10	2.64%	11/19/2013	11/21/2013	12/10/2013
7/30/2013	quarterly	$0.10	2.29%	8/19/2013	8/21/2013	9/10/2013
5/1/2013	quarterly	$0.07	1.78%	5/20/2013	5/22/2013	6/11/2013
1/24/2013	quarterly	$0.07	1.52%	2/11/2013	2/13/2013	3/5/2013

(Data available from 1/1/2013 forward)

Insider Trading History for Provident Financial Holdings (NASDAQ:PROV)

Insider Ownership Percentage: 13.26%
Institutional Ownership Percentage: 61.72%

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
6/7/2016	Richard L Gale	SVP	Sell	91	$18.50	$1,683.50
5/5/2016	Richard L Gale	SVP	Sell	5,000	$18.00	$90,000.00
3/23/2016	Richard L Gale	SVP	Sell	5,000	$17.90	$89,500.00
2/12/2016	Debbi Guthrie	Director	Sell	8,200	$16.87	$138,334.00
11/17/2015	Richard L. Gale	SVP	Sell	9,000	$17.92	$161,280.00
9/21/2015	Judy A Carpenter	Director	Buy	1,200	$16.96	$20,352.00
6/17/2015	Joseph Barr	Director	Sell	19,000	$17.84	$338,960.00
5/18/2015	Lilian Brunner-Salter	SVP	Sell	7,820	$16.70	$130,594.00
5/14/2015	Lilian Brunner-Salter	SVP	Sell	15,000	$16.67	$250,050.00
3/24/2015	Richard L Gale	SVP	Sell	3,071	$16.11	$49,473.81
8/4/2014	David Weiant	SVP	Sell	1,000	$14.33	$14,330.00
12/12/2013	Roy Taylor	Director	Sell	18,140	$14.68	$266,295.20
8/21/2013	Lilian Brunner-Salter	SVP	Sell	4,230	$18.07	$76,436.10
8/7/2013	David Weiant	SVP	Sell	2,220	$18.03	$40,026.60
8/1/2013	William E Thomas	Director	Sell	25,000	$17.32	$433,000.00
5/1/2013	Richard L Gale	SVP	Sell	6,000	$16.20	$97,200.00

(Data available from 1/1/2013 forward)

Latest Headlines for Provident Financial Holdings (NASDAQ:PROV)

Date	Headline
	FCB Financial Holdings, Inc. (NYSE:FCB) Updated Broker Price Targets (NASDAQ:PROV) desotoedge.com - September 29 at 12:01 PM
	Impac Mortgage Holdings, Inc. to Present at the JMP Financial Services & Real Estate Conference (NASDAQ:PROV) m.nasdaq.com - September 22 at 6:32 PM
	Provident Financial : Announces Retirement of Richard L. Gale and Welcomes Robert Scott Ritter (NASDAQ:PROV) www.4-traders.com - September 17 at 6:23 PM
	PROVIDENT FINANCIAL HOLDINGS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements (NASDAQ:PROV) biz.yahoo.com - September 16 at 6:39 PM
	PROVIDENT FINANCIAL HOLDINGS INC Financials (NASDAQ:PROV) finance.yahoo.com - September 16 at 6:39 PM
	Provident Financial Holdings Announces Retirement of Richard L. Gale and Welcomes Robert “Scott” Ritter (NASDAQ:PROV) www.publicnow.com - September 16 at 10:26 AM
	Four Corners Property Trust, Inc. : Declares Third Quarter 2016 Dividend (NASDAQ:PROV) www.4-traders.com - September 14 at 11:12 AM
	PROVIDENT FINANCIAL HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Stateme (NASDAQ:PROV) biz.yahoo.com - September 14 at 11:12 AM
	Executive Change: Tracey Carpentier Named New CEO of Account Control Technology Holdings, Inc. (NASDAQ:PROV) www.insidearm.com - September 13 at 11:45 AM
	Exterran Holdings, Inc. - New Market Research Report (NASDAQ:PROV) reports.pr-inside.com - September 13 at 11:45 AM
	Hilltop Holdings Inc. (HTH) Price Target Raised to $24.00 at FBR & Co (NASDAQ:PROV) www.nationaldailypress.com - September 13 at 11:45 AM
	Provident Financial Holdings (PROV) Announces Downward Revision to Q4, FY16 Earnings (NASDAQ:PROV) www.streetinsider.com - September 13 at 11:45 AM
	Serengeti Asset Management Lp adds OneMain Holdings Inc (OMF) to its portfolio (NASDAQ:PROV) www.nationaldailypress.com - September 11 at 6:18 PM
	Duluth Holdings Inc. Announces Second Quarter Financial Results (NASDAQ:PROV) www.nasdaq.com - September 8 at 6:38 PM
	Insiders Selling, Short Interest Growing Provident Financial Services, I (NYSE:PFS) (NASDAQ:PROV) www.fidaily.com - September 6 at 6:58 PM
	American Tire Distributors Holdings, Inc. - New Study Released (NASDAQ:PROV) reports.pr-inside.com - September 2 at 6:47 PM
	Republic Airways Holdings Inc. and American Airlines Reach Comprehensive Agreement on a Long-Term Commercial Relationship (NASDAQ:PROV) finance.yahoo.com - September 2 at 6:47 PM
	QCR Holdings, Inc. Announces the Closing of the Acquisition of Community State Bank of Ankeny, Iowa (NASDAQ:PROV) www.itbusinessnet.com - September 1 at 10:00 AM
	Provident Financial Services, I (NYSE:PFS) Trading Down – Insiders Selling, Short Interest Growing (NASDAQ:PROV) www.fidaily.com - September 1 at 10:00 AM
	Integrated Inc. Wealth Advisors Joins NPC (NASDAQ:PROV) www.fa-mag.com - August 31 at 12:06 PM
	Hilton Worldwide Holdings, Inc. - New Market Research Report (NASDAQ:PROV) reports.pr-inside.com - August 31 at 12:06 PM
	National Planning Holdings, Inc. Recruits Integrated Inc. Wealth Advisors to Broker-Dealer and Advisory Platforms (NASDAQ:PROV) www.businesswire.com - August 30 at 6:50 PM
	Generac invests in propane services firm (NASDAQ:PROV) www.jsonline.com - August 30 at 6:50 PM
	Santander Holdings USA, Inc. Provides Update on Form 10-Q Filing (NASDAQ:PROV) www.prnewswire.com - August 30 at 6:50 PM
	Zayo Group Holdings, Inc. Reports Financial Results for the Fourth Fiscal ... (NASDAQ:PROV) www.businesswire.com - August 25 at 7:00 PM
	Provident Financial Services, I (NYSE:PFS) Trading Up – Insiders Selling, Short Interest Growing (NASDAQ:PROV) www.fidaily.com - August 24 at 6:42 PM
	Lixte Biotechnology Holdings, Inc. (LIXT) - Strategic and Financial SWOT Analysis Review (NASDAQ:PROV) emailwire.com - August 24 at 6:42 PM
	Investor News: Investigation over possible Misconduct at LPL Financial Holdings Inc (NASDAQ:LPLA) (NASDAQ:PROV) www.groundreport.com - August 24 at 9:57 AM
	BRIEF-Santander Consumer USA Holdings provides update on form 10-Q filing (NASDAQ:PROV) www.reuters.com - August 23 at 7:01 PM
	Santander Consumer USA Holdings Inc. Provides Update on Form 10-Q Filing (NASDAQ:PROV) www.prnewswire.com - August 23 at 7:01 PM
	Provident Financial Holdings, Inc. :PROV-US: Earnings Analysis: 2016 By the Numbers : August 22, 2016 (NASDAQ:PROV) www.capitalcube.com - August 22 at 11:32 AM
	"Energizer Holdings, Inc." is now available at Fast Market Research (NASDAQ:PROV) reports.pr-inside.com - August 19 at 6:50 PM
	The Weekly Wrap: Arch Capital, Carlyle, KBR (NASDAQ:PROV) www.themiddlemarket.com - August 19 at 9:55 AM
	Now Available: E Ink Holdings Inc. (8069) - Financial and Strategic SWOT Analysis Review (NASDAQ:PROV) www.live-pr.com - August 18 at 9:57 AM
	Q2 Holdings Opens New Facility in Lincoln, Nebraska, as Part of Broader Expansion (NASDAQ:PROV) www.tmcnet.com - August 17 at 7:13 PM
	Q2 Holdings shows off Lincoln office (NASDAQ:PROV) journalstar.com - August 17 at 7:13 PM
	Whistler Blackcomb Holdings Inc (WB) Downgraded by Raymond James Financial Inc (NASDAQ:PROV) myhealthbowl.com - August 11 at 10:10 AM
	SHAREHOLDER REMINDER: Deadline in Class Action Lawsuit Filed Against Inovalon Holdings, Inc. - INOV (NASDAQ:PROV) finance.yahoo.com - August 11 at 10:10 AM
	AcuityAds Reports Second Quarter 2016 Financial Results (NASDAQ:PROV) www.newswire.ca - August 9 at 7:12 PM
	A Penny Stock DBS Couldn’t Save Roils Singapore’s Oil Hub, Banks (NASDAQ:PROV) www.bloomberg.com - August 7 at 6:35 PM
	Provident Financial Holdings, Inc. :PROV-US: Earnings Analysis: Q4, 2016 By the Numbers : August 5, 2016 (NASDAQ:PROV) www.capitalcube.com - August 5 at 7:08 PM
	Global Brass and Copper Holdings, Inc. Reports Second Quarter 2016 Financial Results (NASDAQ:PROV) www.businesswire.com - August 5 at 9:58 AM
	Hill-Rom Holdings Inc.: Hill-Rom Reports Strong Fiscal Third Quarter Results and Raises Full-Year Adjusted Earnings Per Diluted Share Outlook (NASDAQ:PROV) www.twst.com - August 4 at 10:06 AM
	AG&E Holdings Inc. Reports Second Quarter 2016 Financial Results (NASDAQ:PROV) inpublic.globenewswire.com - August 4 at 10:06 AM
	TeleTech Holdings Inc Earnings Call (Q2 2016) (NASDAQ:PROV) biz.yahoo.com - August 3 at 7:19 PM
	Q2 Partners with MX to Launch Contextual PFM Engine for Community Financial Institutions (NASDAQ:PROV) www.businesswire.com - August 1 at 11:37 AM
	New Market Research Report: Takara Holdings Inc. (2531) - Financial and Strategic SWOT Analysis Review (NASDAQ:PROV) www.live-pr.com - July 28 at 7:10 PM
	Edited Transcript of PROV earnings conference call or presentation 27-Jul-16 4:00pm GMT (NASDAQ:PROV) finance.yahoo.com - July 27 at 3:08 PM
	PROVIDENT FINANCIAL HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD Dis (NASDAQ:PROV) biz.yahoo.com - July 26 at 3:05 PM
	Forget Apple and McDonald's; Look at Small Banks (NASDAQ:PROV) realmoney.thestreet.com - July 26 at 11:00 AM