Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Periods / Units / Analysis

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 72 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
TCNTricon Residential Inc.1.98%$0.2253.83%
000617.SZCNPC Capital Company Limited1.97%$0.1955.65%
013580.KSKyeryong Construction Industrial Co., Ltd.1.97%$399.956.19%
600033.SSFujian Expressway Development Co.,Ltd1.97%$0.0827.53%
603337.SSJack Technology Co.,Ltd1.97%$0.8544.29%
603338.SSZhejiang Dingli Machinery Co.,Ltd1.97%$1.1232.10%
605090.SSJiangxi Jovo Energy Co., Ltd1.97%$0.8542.14%
DEZ.DEDeutz AG1.97%$0.1799.16%
KEJU.JKPT Mulia Boga Raya Tbk1.97%$13.0042.56%
LOGN.SWLogitech International S.A.1.97%$1.6036.80%
NTSC.BKNutrition SC Public Company Limited1.97%$0.1213.98%
000220.KSYuyu Pharma, Inc.1.96%$89.7431.97%
000862.SZNing Xia Yin Xing Energy Co.,Ltd1.96%$0.1178.53%
001333.SZZhejiang Guanghua Technology Co., Ltd.1.96%$0.4241.57%
002926.SZHUAXI Securities Co., Ltd.1.96%$0.1831.11%
0QMI.LSGS S.A.1.96%$1.6631.21%
0R4W.LMultitude SE1.96%$0.1219.36%
183300.KQKoMiCo Ltd.1.96%$1,854.5632.39%
600031.SSSany Heavy Industry Co., Ltd1.96%$0.4142.56%
600449.SSNingxia Building Materials Group Co.,Ltd1.96%$0.2439.64%
603477.SSLeshan Giantstar Farming&Husbandry Corporation Limited1.96%$0.3445.55%
603650.SSRed Avenue New Materials Group Co., Ltd.1.96%$0.8689.92%
EQB.TOEQB Inc.1.96%$2.0522.50%
EVROF.ATEvrofarma S.A.1.96%$0.0725.28%
HAGA.ICHagar hf1.96%$2.3034.34%
INISS-B.STInission AB (publ)1.96%$0.9855.65%
TWPC.BKThai Wah Public Company Limited1.96%$0.0632.91%
001358.SZShaoxing Xingxin New Materials Co Ltd1.95%$0.5095.37%
003039.SZGuangdong Shunkong Development Co.,Ltd.1.95%$0.3170.47%
267250.KSHD Hyundai Co., Ltd.1.95%$3,599.8749.88%
4553.TTowa Pharmaceutical Co., Ltd.1.95%$71.0416.94%
688236.SSBeijing Chunlizhengda Medical Instruments Co., Ltd.1.95%$0.4566.78%
MIDI.JKPT Midi Utama Indonesia Tbk1.95%$7.3536.66%
002662.SZBeijing WKW Automotive Parts Co.,Ltd.1.94%$0.0849.66%
002697.SZChengdu Hongqi Chain Co.,Ltd.1.94%$0.1230.44%
0345.HKVitasoy International Holdings Limited1.94%$0.1336.86%
079430.KSHyundai Livart Furniture Company Limited1.94%$131.1521.94%
0GEG.LVaisala Oyj1.94%$0.8548.66%
2229.TCalbee, Inc.1.94%$58.0941.83%
3284.THoosiers Holdings Co., Ltd.1.94%$25.5522.98%
4819.TDigital Garage, Inc.1.94%$52.4275.12%
600061.SSSDIC Capital Co.,Ltd1.94%$0.1529.00%
600356.SSMudanjiang Hengfeng Paper Co.,Ltd1.94%$0.1733.08%
600563.SSXiamen Faratronic Co., Ltd.1.94%$2.0439.85%
688468.SSChemclin Diagnostics Co., Ltd.1.94%$0.1499.41%
9610.SRFirst Avenue for Real Estate De1.94%$0.1216.89%
ADMIE.ATAdmie Holding S.A.1.94%$0.0610.56%
MPHASIS.BOMphasis Limited1.94%$54.4258.27%
TREL-B.STTrelleborg AB (publ)1.94%$7.5646.55%
005740.KSCROWNHAITAI Holdings Co.,Ltd.1.93%$130.059.54%