Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Provident Financial Holdings, Inc. (PROV)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$6.56 - $9.56$8.01
Multi-Stage$17.44 - $19.22$18.31
Blended Fair Value$13.16
Current Price$15.75
Upside-16.43%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS-2.08%-0.74%0.560.580.590.620.620.620.620.630.610.60
YoY Growth---3.11%-2.78%-3.57%-0.65%-0.24%-0.26%-0.80%2.65%2.62%-1.01%
Dividend Yield--3.56%4.03%4.54%4.34%3.68%5.23%3.01%3.46%3.12%3.05%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)6.04
(-) Cash Dividends Paid (M)3.73
(=) Cash Retained (M)2.31
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1.210.750.45
Cash Retained (M)2.312.312.31
(-) Cash Required (M)-1.21-0.75-0.45
(=) Excess Retained (M)1.101.561.86
(/) Shares Outstanding (M)6.736.736.73
(=) Excess Retained per Share0.160.230.28
LTM Dividend per Share0.550.550.55
(+) Excess Retained per Share0.160.230.28
(=) Adjusted Dividend0.720.790.83
WACC / Discount Rate6.42%6.42%6.42%
Growth Rate-4.08%-3.08%-2.08%
Fair Value$6.56$8.01$9.56
Upside / Downside-58.36%-49.13%-39.28%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)6.045.855.675.505.335.165.32
Payout Ratio61.73%67.38%73.04%78.69%84.35%90.00%92.50%
Projected Dividends (M)3.733.944.144.324.494.654.92

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.42%6.42%6.42%
Growth Rate-4.08%-3.08%-2.08%
Year 1 PV (M)3.673.703.74
Year 2 PV (M)3.583.663.73
Year 3 PV (M)3.483.593.70
Year 4 PV (M)3.363.503.65
Year 5 PV (M)3.233.403.58
PV of Terminal Value (M)99.99105.31110.86
Equity Value (M)117.31123.17129.27
Shares Outstanding (M)6.736.736.73
Fair Value$17.44$18.31$19.22
Upside / Downside10.74%16.27%22.03%

High-Yield Dividend Screener

« Prev Page 69 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
SIE.DESiemens AG2.14%$5.1641.34%
TBIG.JKPT Tower Bersama Infrastructure Tbk2.14%$55.6585.41%
VNX.DENXP Semiconductors N.V.2.14%$4.0549.93%
010100.KSKorea Movenex Co., Ltd.2.13%$99.689.18%
300154.SZShenzhen Riland Industry Group Co., Ltd2.13%$0.2190.73%
600848.SSShanghai Lingang Holdings Co.,Ltd.2.13%$0.2539.80%
7259.TAisin Corporation2.13%$62.3927.27%
ALBRK.ISAlbaraka Türk Katilim Bankasi A.S.2.13%$0.173.51%
BURBurford Capital Limited2.13%$0.1947.60%
ECSC.LECSC Group plc2.13%$1.1222.10%
PR9.BKPraram 9 Hospital Public Company Limited2.13%$0.4038.51%
000630.SZTongling Nonferrous Metals Group Co.,Ltd.2.12%$0.1392.15%
000878.SZYunnan Copper Co., Ltd.2.12%$0.4467.43%
002223.SZJiangsu Yuyue Medical Equipment & Supply Co., Ltd.2.12%$0.8146.42%
002731.SZShenyang Cuihua Gold and Silver Jewelry Co., Ltd.2.12%$0.2724.86%
0RKK.LVolati AB2.12%$2.2057.57%
0RVK.LBefesa S.A.2.12%$0.7464.88%
163560.KSDRB Industrial Co., Ltd.2.12%$146.7836.08%
2641.TWOFranbo Lines Corp.2.12%$0.4325.10%
443060.KSHdhms2.12%$4,099.9369.50%
605500.SSForest Packaging Group Co.,Ltd.2.12%$0.1989.23%
6455.TMorita Holdings Corporation2.12%$58.4524.57%
CCOLA.ISCoca-Cola Içecek Anonim Sirketi2.12%$1.2625.02%
MTWI.JKPT Malacca Trust Wuwungan Insurance Tbk2.12%$7.8425.68%
PNDX-B.STPandox AB (publ)2.12%$4.2540.78%
000860.KSKangnam Jevisco Co., Ltd2.11%$292.3959.03%
002440.SZZhejiang Runtu Co., Ltd.2.11%$0.1660.72%
002973.SZQiaoyin City Management Co.,Ltd.2.11%$0.2959.79%
0400.HKIngdan, Inc.2.11%$0.0622.33%
0Z4I.LSunny Optical Technology (Group) Company Limited2.11%$0.7115.45%
200771.SZHangzhou Steam Turbine Co., Ltd.2.11%$0.2859.18%
285130.KSSK Chemicals Co.,Ltd2.11%$1,396.2531.71%
688558.SSNantong Guosheng Intelligence Technology Group Co., Ltd.2.11%$0.6153.65%
NRDF.CONordfyns Bank A/S2.11%$13.0894.24%
001880.KSDL Construction Co., Ltd.2.10%$300.9316.73%
002967.SZGRG Metrology & Test Group Co. Ltd. Class A2.10%$0.4662.67%
023350.KSKorea Engineering Consultants Corp.2.10%$100.0016.54%
1423.TWReward Wool Industry Corporation2.10%$0.7918.73%
2811.TKagome Co., Ltd.2.10%$56.5639.32%
601456.SSGuolian Minsheng Securities Co., Ltd.2.10%$0.2168.71%
U10.SIUOB-Kay Hian Holdings Limited2.10%$0.0524.07%
UNBL.PAUnibel S.A.2.10%$24.7334.10%
3979.TUluru.Co.,Ltd.2.09%$8.7136.14%
600309.SSWanhua Chemical Group Co., Ltd.2.09%$1.6045.09%
7714.TWOUniforce Technology Corp.2.09%$3.8369.36%
ALIG.STAlimak Group AB (publ)2.09%$2.9845.61%
002226.SZAnhui Jiangnan Chemical Industry Co., Ltd.2.08%$0.1239.66%
002706.SZShanghai Liangxin Electrical Co.,LTD.2.08%$0.2279.51%
002763.SZShenzhen Huijie Group Co., Ltd.2.08%$0.1578.60%
4016.SRMiddle East Pharmaceutical Industries Company2.08%$2.3548.29%