Provident Finl Hldgs - Public Comps and Valuation Multiples

Provident Finl Hldgs Overview

About Provident Finl Hldgs

Provident Financial Holdings Inc is a holding company of Provident Savings Bank, F.S.B. It is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its business activities consist of community banking, investment services and trustee services for real estate transactions. The group operates in Bank segment that include attracting deposits, offering banking services and originating and purchasing single-family, multi-family, commercial real estate, construction and, to a lesser extent, other mortgage, commercial business and consumer loans. Its evenues are derived from interest earned on its loan and investment portfolios, and fees generated through its community banking activities.

Founded

1996

HQ

Employees

163

Website

myprovident.com

Sectors

Commercial Banking

Financials

LTM Revenue $39.7M

Last FY EBITDA n/a

EV

$317M

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Provident Finl Hldgs Financials

As of August 2025, Provident Finl Hldgs reported last 12-month revenue of $39.7M.

In the same period, Provident Finl Hldgs achieved $6.9M in LTM net income.

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Provident Finl Hldgs P&L

In the most recent fiscal year, Provident Finl Hldgs reported revenue of $39.0M.

Provident Finl Hldgs expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$39.7M	XXX	$39.0M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$9.1M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	23%	XXX	n/a	XXX	XXX	XXX
Net Profit	$6.9M	XXX	$6.3M	XXX	XXX	XXX
Net Margin	17%	XXX	16%	XXX	XXX	XXX
Net Debt	XXX	XXX	$160M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Provident Finl Hldgs including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $39.7M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$39.7M	Analyst estimates available to subscribers	$39.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$9.1M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	22.9% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$6.9M	Analyst estimates available to subscribers	$6.3M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	17.4% net profit margin	Analyst estimates available to subscribers	16.0% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$160M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Provident Finl Hldgs

This financial data table provides comprehensive performance metrics for Provident Finl Hldgs, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Provident Finl Hldgs generated $39.7M in revenue over the last twelve months.
Net income over the last twelve months reached $6.9M.

Fiscal Year Performance

In the most recent fiscal year, Provident Finl Hldgs reported $39.0M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 16.0% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Provident Finl Hldgs. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Provident Finl Hldgs Stock Performance

Provident Finl Hldgs has current market cap of $104M, and EV of $317M.

Market Cap Evolution

Provident Finl Hldgs Stock Data

As of September 30, 2025, Provident Finl Hldgs's stock price is $16.

See Provident Finl Hldgs trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$317M	$104M	XXX	XXX	XXX	XXX	$1.05

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Provident Finl Hldgs Valuation Multiples

Provident Finl Hldgs's trades at 8.1x EV/Revenue multiple, and n/a EV/EBITDA.

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Provident Finl Hldgs Financial Valuation Multiples

As of September 30, 2025, Provident Finl Hldgs has market cap of $104M and EV of $317M.

Equity research analysts estimate Provident Finl Hldgs's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Provident Finl Hldgs has a P/E ratio of 15.0x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$104M	XXX	$104M	XXX	XXX	XXX
EV (current)	$317M	XXX	$317M	XXX	XXX	XXX
EV/Revenue	8.0x	XXX	8.1x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	34.9x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	15.0x	XXX	15.2x	XXX	XXX	XXX
EV/FCF	n/a	XXX	51.7x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Provident Finl Hldgs Margins & Growth Rates

Provident Finl Hldgs's last 12 month revenue growth is 7%

Provident Finl Hldgs's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

Provident Finl Hldgs's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Provident Finl Hldgs's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Provident Finl Hldgs Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	7%	XXX	5%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	2%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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