Provident Financial Holdings Balance Sheet Health
Financial Health criteria checks 6/6
Provident Financial Holdings has total assets of $1.3B and total equity of $129.6M. Total deposits are $863.9M, and total loans are $1.0B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $48.2M.
Key information
9.7x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$863.86m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$48.19m |
Recent financial health updates
No updates
Recent updates
Provident Financial Holdings (NASDAQ:PROV) Has Announced A Dividend Of $0.14
Oct 29
Provident Financial Holdings (NASDAQ:PROV) Has Affirmed Its Dividend Of $0.14
Jul 30Provident Financial Holdings, Inc. Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
May 02Provident Financial Holdings (NASDAQ:PROV) Is Paying Out A Dividend Of $0.14
Apr 30Earnings Beat: Provident Financial Holdings, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
Feb 01Provident Financial Holdings (NASDAQ:PROV) Will Pay A Dividend Of $0.14
Jan 30Provident Financial Holdings (NASDAQ:PROV) Has Affirmed Its Dividend Of $0.14
Oct 31Provident Financial Holdings (NASDAQ:PROV) Is Paying Out A Dividend Of $0.14
Aug 01Provident Financial Holdings' (NASDAQ:PROV) Dividend Will Be $0.14
May 02Provident Financial Holdings (NASDAQ:PROV) Is Paying Out A Dividend Of $0.14
Jan 28Provident Financial Holdings' (NASDAQ:PROV) Dividend Will Be $0.14
Nov 01Provident Financial Holdings (NASDAQ:PROV) Has Announced A Dividend Of $0.14
Aug 16Provident Financial Holdings (NASDAQ:PROV) Is Due To Pay A Dividend Of $0.14
Aug 02Provident Financial GAAP EPS of $0.34 beats by $0.12, revenue of $9.67M beats by $0.77M
Jul 26Provident Financial Holdings (NASDAQ:PROV) Has Announced A Dividend Of US$0.14
May 03Provident Financial Holdings (NASDAQ:PROV) Is Due To Pay A Dividend Of US$0.14
Jan 29Provident Financial Holdings (NASDAQ:PROV) Is Due To Pay A Dividend Of US$0.14
Nov 02Provident Financial Holdings' (NASDAQ:PROV) Dividend Will Be US$0.14
Aug 09Provident Financial Holdings (NASDAQ:PROV) Has Re-Affirmed Its Dividend Of US$0.14
Jul 26Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PROV's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: PROV has a sufficient allowance for bad loans (301%).
Low Risk Liabilities: 77% of PROV's liabilities are made up of primarily low risk sources of funding.
Loan Level: PROV has an appropriate level of Loans to Assets ratio (83%).
Low Risk Deposits: PROV's Loans to Deposits ratio (121%) is appropriate.
Level of Bad Loans: PROV has an appropriate level of bad loans (0.2%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/27 11:46 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Provident Financial Holdings, Inc. is covered by 8 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Stewart | Compass Point Research & Trading, LLC |
| David Rochester | FBR Capital Markets & Co. |
| Timothy Coffey | FIG Partners |