Provident Financial (PROV) Competitors

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

Is FFIC or PROV a better dividend stock?

Flushing Financial pays an annual dividend of $0.88 per share and has a dividend yield of 7.0%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 3.6%. Flushing Financial pays out -73.9% of its earnings in the form of a dividend. Provident Financial pays out 60.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Flushing Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the media prefer FFIC or PROV?

In the previous week, Flushing Financial and Flushing Financial both had 3 articles in the media. Provident Financial's average media sentiment score of 0.96 beat Flushing Financial's score of 0.85 indicating that Provident Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Flushing Financial	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Provident Financial	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger earnings & valuation, FFIC or PROV?

Provident Financial has lower revenue, but higher earnings than Flushing Financial. Flushing Financial is trading at a lower price-to-earnings ratio than Provident Financial, 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
Flushing Financial	$484.72M	0.88	-$31.33M	-$1.19	-10.64
Provident Financial	$60.15M	1.71	$6.26M	$0.93	16.54

Do institutionals & insiders have more ownership in FFIC or PROV?

67.1% of Flushing Financial shares are owned by institutional investors. Comparatively, 71.3% of Provident Financial shares are owned by institutional investors. 5.7% of Flushing Financial shares are owned by company insiders. Comparatively, 11.4% of Provident Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Which has more volatility & risk, FFIC or PROV?

Flushing Financial has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.

Do analysts recommend FFIC or PROV?

Provident Financial has a consensus price target of $16.50, suggesting a potential upside of 7.28%. Given Provident Financial's stronger consensus rating and higher probable upside, analysts clearly believe Provident Financial is more favorable than Flushing Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flushing Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Provident Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is FFIC or PROV more profitable?

Provident Financial has a net margin of 10.40% compared to Flushing Financial's net margin of -7.13%. Provident Financial's return on equity of 4.85% beat Flushing Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Flushing Financial	-7.13%	4.45%	0.35%
Provident Financial	10.40%	4.85%	0.50%

Summary

Provident Financial beats Flushing Financial on 12 of the 16 factors compared between the two stocks.