Provident Financial Holdings Inc (PROV) - Net Assets
Based on the latest financial reports, Provident Financial Holdings Inc (PROV) has net assets worth $127.49 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.23 Billion) and total liabilities ($1.10 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check PROV cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $127.49 Million |
| % of Total Assets | 10.38% |
| Annual Growth Rate | 1.4% |
| 5-Year Change | 0.99% |
| 10-Year Change | -3.68% |
| Growth Volatility | 5.84 |
Provident Financial Holdings Inc - Net Assets Trend (1996–2025)
This chart illustrates how Provident Financial Holdings Inc's net assets have evolved over time, based on quarterly financial data. Also explore Provident Financial Holdings Inc (PROV) total assets for the complete picture of this company's asset base.
Annual Net Assets for Provident Financial Holdings Inc (1996–2025)
The table below shows the annual net assets of Provident Financial Holdings Inc from 1996 to 2025. For live valuation and market cap data, see Provident Financial Holdings Inc (PROV) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $128.54 Million | -1.07% |
| 2024-06-30 | $129.94 Million | +0.20% |
| 2023-06-30 | $129.69 Million | +0.81% |
| 2022-06-30 | $128.65 Million | +1.08% |
| 2021-06-30 | $127.28 Million | +2.67% |
| 2020-06-30 | $123.98 Million | +2.76% |
| 2019-06-30 | $120.64 Million | +0.15% |
| 2018-06-30 | $120.46 Million | -6.06% |
| 2017-06-30 | $128.23 Million | -3.91% |
| 2016-06-30 | $133.45 Million | -5.45% |
| 2015-06-30 | $141.14 Million | -3.24% |
| 2014-06-30 | $145.86 Million | -8.82% |
| 2013-06-30 | $159.97 Million | +10.50% |
| 2012-06-30 | $144.78 Million | +2.14% |
| 2011-06-30 | $141.74 Million | +10.96% |
| 2010-06-30 | $127.74 Million | +11.17% |
| 2009-06-30 | $114.91 Million | -7.32% |
| 2008-06-30 | $123.98 Million | -3.84% |
| 2007-06-30 | $128.93 Million | -5.35% |
| 2006-06-30 | $136.21 Million | +10.75% |
| 2005-06-30 | $122.99 Million | +11.83% |
| 2004-06-30 | $109.98 Million | +2.90% |
| 2003-06-30 | $106.88 Million | +3.73% |
| 2002-06-30 | $103.03 Million | +5.94% |
| 2001-06-30 | $97.26 Million | +9.32% |
| 2000-06-30 | $88.97 Million | -0.82% |
| 1999-06-30 | $89.70 Million | +3.46% |
| 1998-06-30 | $86.70 Million | +1.52% |
| 1997-06-30 | $85.40 Million | -0.66% |
| 1996-06-30 | $85.97 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Provident Financial Holdings Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 429.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $212.40 Million | 165.24% |
| Common Stock | $183.00K | 0.14% |
| Other Comprehensive Income | $17.00K | 0.01% |
| Total Equity | $128.54 Million | 100.00% |
Provident Financial Holdings Inc Competitors by Market Cap
The table below lists competitors of Provident Financial Holdings Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tongyang
KO:001520
|
$103.42 Million |
|
Gezinomi Seyahat Turizm Ticaret AS
IS:GZNMI
|
$103.44 Million |
|
Actinogen Medical Ltd
AU:ACW
|
$103.45 Million |
|
FSA Group Ltd
AU:FSA
|
$103.52 Million |
|
SA Catana Group
PA:CATG
|
$103.36 Million |
|
51 CREDIT CARD DL-00001
F:2JY
|
$103.36 Million |
|
Lithium Chile Inc
V:LITH
|
$103.34 Million |
|
Engtex Group Bhd
KLSE:5056
|
$103.34 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Provident Financial Holdings Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 129,941,000 to 128,545,000, a change of -1,396,000 (-1.1%).
- Net income of 6,255,000 contributed positively to equity growth.
- Dividend payments of 3,766,000 reduced retained earnings.
- Share repurchases of 4,448,000 reduced equity.
- Other comprehensive income increased equity by 20,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.25 Million | +4.87% |
| Dividends Paid | $3.77 Million | -2.93% |
| Share Repurchases | $4.45 Million | -3.46% |
| Other Comprehensive Income | $20.00K | +0.02% |
| Other Changes | $543.00K | +0.42% |
| Total Change | $- | -1.07% |
Book Value vs Market Value Analysis
This analysis compares Provident Financial Holdings Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.90x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.30x to 0.90x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-06-30 | $7.46 | $17.15 | x |
| 1997-06-30 | $8.07 | $17.15 | x |
| 1998-06-30 | $8.55 | $17.15 | x |
| 1999-06-30 | $9.62 | $17.15 | x |
| 2000-06-30 | $10.68 | $17.15 | x |
| 2001-06-30 | $12.04 | $17.15 | x |
| 2002-06-30 | $12.67 | $17.15 | x |
| 2003-06-30 | $13.92 | $17.15 | x |
| 2004-06-30 | $15.25 | $17.15 | x |
| 2005-06-30 | $17.33 | $17.15 | x |
| 2006-06-30 | $19.79 | $17.15 | x |
| 2007-06-30 | $19.31 | $17.15 | x |
| 2008-06-30 | $19.95 | $17.15 | x |
| 2009-06-30 | $18.53 | $17.15 | x |
| 2010-06-30 | $14.32 | $17.15 | x |
| 2011-06-30 | $12.42 | $17.15 | x |
| 2012-06-30 | $12.83 | $17.15 | x |
| 2013-06-30 | $14.76 | $17.15 | x |
| 2014-06-30 | $14.43 | $17.15 | x |
| 2015-06-30 | $15.38 | $17.15 | x |
| 2016-06-30 | $15.62 | $17.15 | x |
| 2017-06-30 | $15.83 | $17.15 | x |
| 2018-06-30 | $15.64 | $17.15 | x |
| 2019-06-30 | $15.88 | $17.15 | x |
| 2020-06-30 | $16.36 | $17.15 | x |
| 2021-06-30 | $16.88 | $17.15 | x |
| 2022-06-30 | $17.27 | $17.15 | x |
| 2023-06-30 | $18.03 | $17.15 | x |
| 2024-06-30 | $18.67 | $17.15 | x |
| 2025-06-30 | $19.01 | $17.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Provident Financial Holdings Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.87%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.40%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.69x
- Recent ROE (4.87%) is below the historical average (6.95%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 3.26% | 7.59% | 0.06x | 6.80x | $-5.79 Million |
| 1997 | 2.22% | 3.78% | 0.08x | 7.21x | $-6.64 Million |
| 1998 | 5.77% | 8.42% | 0.07x | 9.41x | $-3.67 Million |
| 1999 | 11.71% | 13.53% | 0.08x | 10.67x | $1.53 Million |
| 2000 | 8.16% | 8.39% | 0.08x | 12.90x | $-1.64 Million |
| 2001 | 9.14% | 9.38% | 0.08x | 11.49x | $-839.80K |
| 2002 | 8.84% | 11.09% | 0.08x | 9.76x | $-1.19 Million |
| 2003 | 15.80% | 19.72% | 0.07x | 11.80x | $6.20 Million |
| 2004 | 13.70% | 18.31% | 0.06x | 11.99x | $4.07 Million |
| 2005 | 15.20% | 18.72% | 0.06x | 13.27x | $6.40 Million |
| 2006 | 15.08% | 18.20% | 0.07x | 11.91x | $6.92 Million |
| 2007 | 8.75% | 9.52% | 0.07x | 12.78x | $-1.61 Million |
| 2008 | 0.69% | 0.85% | 0.06x | 13.17x | $-11.54 Million |
| 2009 | -6.47% | -7.01% | 0.07x | 13.75x | $-18.93 Million |
| 2010 | 0.87% | 1.21% | 0.07x | 10.95x | $-11.66 Million |
| 2011 | 9.33% | 14.07% | 0.07x | 9.27x | $-954.30K |
| 2012 | 7.47% | 11.43% | 0.08x | 8.71x | $-3.67 Million |
| 2013 | 16.13% | 21.61% | 0.10x | 7.57x | $9.80 Million |
| 2014 | 4.53% | 9.47% | 0.06x | 7.58x | $-7.98 Million |
| 2015 | 6.95% | 12.24% | 0.07x | 8.32x | $-4.31 Million |
| 2016 | 5.60% | 9.79% | 0.07x | 8.78x | $-5.87 Million |
| 2017 | 4.06% | 7.11% | 0.06x | 9.36x | $-7.62 Million |
| 2018 | 1.77% | 3.30% | 0.05x | 9.76x | $-9.91 Million |
| 2019 | 3.66% | 7.76% | 0.05x | 8.99x | $-7.65 Million |
| 2020 | 6.20% | 16.37% | 0.04x | 9.49x | $-4.71 Million |
| 2021 | 5.94% | 19.01% | 0.03x | 9.30x | $-5.17 Million |
| 2022 | 7.07% | 23.05% | 0.03x | 9.23x | $-3.77 Million |
| 2023 | 6.63% | 20.93% | 0.03x | 10.28x | $-4.38 Million |
| 2024 | 5.66% | 12.53% | 0.05x | 9.79x | $-5.64 Million |
| 2025 | 4.87% | 10.40% | 0.05x | 9.69x | $-6.60 Million |
Industry Comparison
This section compares Provident Financial Holdings Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Provident Financial Holdings Inc (PROV) | $127.49 Million | 3.26% | 8.63x | $103.40 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Provident Financial Holdings Inc
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including… Read more