企業概要
Providence Financial Holdings, Inc. operates as a bank holding company that oversees Provident Savings Bank, F.S.B., delivering community banking and financial services throughout Southern California, the United States. The entity functions within the broader Financial Services sector, specifically categorized under the Banks - Regional industry, which typically serves local communities with tailored deposit and lending solutions rather than focusing on large-scale institutional capital markets. The company maintains a market capitalization of $108.06M, generates annual revenue of $40.80M, and employs 95 individuals to support its operations. These valuation and revenue figures indicate that the firm occupies a niche position as a mid-sized regional institution, suggesting a business model focused on localized market penetration rather than nationwide expansion or massive scale economies.
財務健全性
The company reported revenue of $40.80M over the trailing twelve months, with net income reaching $6.60M, while EBITDA data is not currently disclosed in the available facts. The significant gap between total revenue and net income reveals a cost structure where operating expenses, such as personnel costs and overhead, consume approximately 83.8% of gross revenue before tax and interest considerations, a standard characteristic for regional banking operations where labor-intensive service delivery is central to the business model. Free cash flow figures are not available in the provided dataset, which limits the ability to assess immediate financial flexibility derived from operational cash generation without relying solely on net income and balance sheet liquidity. The gross margin stands at 0.0%, reflecting the inherent nature of financial intermediation where interest income and expense are netted out before reaching operating levels, while the operating margin of 24.4% demonstrates efficient control over administrative costs relative to revenue. The profit margin is recorded at 16.2%, indicating that for every dollar of revenue, 16.2 cents remains as net profit after all expenses and taxes are accounted for. On the balance sheet, the firm holds $54.37M in cash against $215.46M in debt, and a debt-to-equity ratio is not available for direct calculation in the provided facts, yet the presence of significant debt suggests a leveraged capital structure common in banking. The current ratio is not disclosed in the available data, preventing a direct assessment of short-term liquidity coverage against immediate obligations using the specified metrics. Return on Equity is 5.2%, which indicates the return generated on shareholders' invested capital, while Return on Assets stands at 0.5%, revealing the efficiency with which the company utilizes its total asset base to generate profits.
バリュエーション評価
The trailing twelve-month P/E ratio is 17.12, whereas the forward P/E ratio is 12.94, implying that the market expects earnings to grow sufficiently to narrow the valuation multiple between current and future periods. The price-to-book ratio is 0.85, which indicates that the company's market value trades at a discount to its tangible book value, a common valuation characteristic for regional banks with substantial loan portfolios or specific regional risk profiles. Alternative valuation metrics such as the price-to-sales ratio of 2.65 and the EV/EBITDA ratio which is not available, offer different perspectives on valuation where the P/S multiple suggests revenue generation is valued at 2.65 times the book value. The 52-week high is $17.18 and the 52-week low is $13.76, providing a trading range within which the stock has fluctuated during the last year. The beta value is 0.28, indicating that the stock exhibits significantly lower price volatility compared to the broader market, as its price movements are less sensitive to general market fluctuations.
Growth & Income
Revenue growth year over year is 10.9%, while earnings growth year over year is 70.2%, demonstrating that earnings are expanding at a rate substantially faster than revenue, which often implies leverage effects or cost efficiencies realized during the period. As a dividend payer, the company offers a dividend yield of 3.3% with a payout ratio of 56.6%, indicating that the distribution of 56.6% of earnings to shareholders is sustainable given the strong earnings growth trajectory and the relatively high profit margin. The high earnings growth rate relative to revenue growth suggests that the company is successfully converting increased top-line activity into bottom-line profitability, potentially through improved net interest margins or reduced operating leverage. Overall, the company presents a profile of moderate revenue expansion paired with accelerated earnings growth and a consistent dividend yield, offering a balance of income generation and capital appreciation potential within the regional banking sector.