Provident Financial Holdings, Inc. (PROV) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Why is Provident Financial Holdings, Inc. ?

Flat results in Mar 26

CREDIT DEPOSIT RATIO(HY) Lowest at 115.98%
NET SALES(Q) Lowest at USD 13.86 MM
OPERATING PROFIT(Q) Lowest at USD 1.91 MM

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Provident Financial Holdings, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Provident Financial Holdings, Inc.

10.97%

2.88

12.65%

S&P 500

19.75%

1.50

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.97%

EBIT Growth (5y)

6.75%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

60.53%

Pledged Shares

Institutional Holding

53.67%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.15

EV to EBIT

67.70

EV to EBITDA

43.37

EV to Capital Employed

1.53

EV to Sales

7.46

PEG Ratio

3.83

Dividend Yield

143.96%

ROCE (Latest)

2.26%

ROE (Latest)

5.18%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 66.67%

-9What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 115.98%

NET SALES(Q)

Lowest at USD 13.86 MM

OPERATING PROFIT(Q)

Lowest at USD 1.91 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 13.79 %

PRE-TAX PROFIT(Q)

Lowest at USD 1.91 MM

NET PROFIT(Q)

Lowest at USD 1.35 MM

EPS(Q)

Lowest at USD 0.21

Here's what is working for Provident Financial Holdings, Inc.

Dividend Payout Ratio

Highest at 66.67%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at USD 1.17 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Provident Financial Holdings, Inc.

Net Sales

Lowest at USD 13.86 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD 1.91 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 13.79 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 1.91 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 1.91 MM has Fallen at -21.56%

over average net sales of the previous four periods of USD 2.44 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 1.35 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.21

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 115.98%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)