PROV - NASDAQ
Provident Financial Holdings, Inc.
$16.90
-0.15%Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
At a Glance
Live SnapshotProvident Financial Holdings, Inc. Fair Value Envelope
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $17.3M | $34.4M | $68.5M | $136.5M | $271.7M | $540.9M | $1.1B | $2.1B | $4.3B | $8.5B |
| Maintenance CapEx | -$211.0K | -$420.2K | -$836.6K | -$1.7M | -$3.3M | -$6.6M | -$13.1M | -$26.2M | -$52.1M | -$103.7M |
| Owner Earnings | $17.1M | $34.0M | $67.7M | $134.8M | $268.4M | $534.3M | $1.1B | $2.1B | $4.2B | $8.4B |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $15.8M | $29.2M | $53.7M | $99.1M | $182.7M | $336.7M | $620.8M | $1.1B | $2.1B | $3.9B |
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