Provident Financial (PROV) Competitors

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

Does the MarketBeat Community prefer TBNK or PROV?

Provident Financial received 27 more outperform votes than Territorial Bancorp when rated by MarketBeat users. However, 50.86% of users gave Territorial Bancorp an outperform vote while only 46.41% of users gave Provident Financial an outperform vote.

Company	Underperform	Outperform
Territorial Bancorp	Outperform Votes 206 50.86%	Underperform Votes 199 49.14%
Provident Financial	Outperform Votes 233 46.41%	Underperform Votes 269 53.59%

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 2.8%. Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.2%. Territorial Bancorp pays out 35.1% of its earnings in the form of a dividend. Provident Financial pays out 48.7% 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.

Does the media refer more to TBNK or PROV?

In the previous week, Provident Financial had 6 more articles in the media than Territorial Bancorp. MarketBeat recorded 6 mentions for Provident Financial and 0 mentions for Territorial Bancorp. Territorial Bancorp's average media sentiment score of 0.09 beat Provident Financial's score of 0.00 indicating that Provident Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Territorial Bancorp	Neutral
Provident Financial	Neutral

Do institutionals & insiders 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. 8.5% of Territorial Bancorp shares are owned by company insiders. Comparatively, 15.1% 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 stock will outperform the market over the long term.

Which has preferable valuation and earnings, 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	0.89	$5.03M	$0.57	12.63
Provident Financial	$40.29M	2.30	$8.59M	$1.15	11.63

Do analysts rate TBNK or PROV?

Territorial Bancorp presently has a consensus price target of $7.50, suggesting a potential upside of 4.17%. Given Provident Financial's higher possible upside, analysts plainly believe Territorial Bancorp is more favorable than Provident Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Territorial Bancorp	1 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.50
Provident Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is TBNK or PROV more profitable?

Provident Financial has a net margin of 14.43% compared to Provident Financial's net margin of 7.03%. Territorial Bancorp's return on equity of 6.20% beat Provident Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Territorial Bancorp	7.03%	2.00%	0.23%
Provident Financial	14.43%	6.20%	0.61%

Which has more volatility and risk, TBNK or PROV?

Territorial Bancorp has a beta of 0.65, suggesting that its share price is 35% less volatile than the S&P 500. Comparatively, Provident Financial has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500.

Summary

Provident Financial beats Territorial Bancorp on 12 of the 18 factors compared between the two stocks.