Provident Financial Holdings, Inc. (PROV)

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Provident Financial Holdings, Inc. (PROV) is up 8.1% since the beginning of the year. At $17 per share, PROV is trading just below its 52-week high of $17. Investors who bought $1,000 worth of PROV shares 5 years ago would now be looking at an investment worth $1,113.

Provident Financial Holdings, Inc. (PROV) has returned 8.10% so far this year and 13.58% over the past 12 months. Over the last ten years, PROV has returned 2.79% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.

Based on dividend-adjusted daily data since Jun 28, 1996, PROV's average daily return is +0.05%, while the average monthly return is +0.96%. At this rate, an investment would double in approximately 6.0 years.

Historically, 55% of months were positive and 45% were negative. The best month was Apr 2010 with a return of +72.4%, while the worst month was Nov 2009 at -42.8%. The longest winning streak lasted 16 consecutive months, and the longest losing streak was 6 months.

On a daily basis, PROV closed higher 46% of trading days. The best single day was Nov 6, 2009 with a return of +25.4%, while the worst single day was Nov 5, 2009 at -21.4%.

Provident Financial Holdings, Inc. has an annualized alpha of 9.68%, beta of 0.34, and R2 of 0.03 versus S&P 500 Index. Calculated based on daily prices since July 01, 1996.

• This stock participated in 59.94% of S&P 500 Index downside but only 56.73% of its upside - more exposed to losses than it benefited from rallies.
• Beta of 0.34 may look defensive, but with R2 of 0.03 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.03 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

PROV ranks 72 for risk / return — better than 72% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

The table below present risk-adjusted performance metrics for Provident Financial Holdings, Inc. (PROV) and compare them to S&P 500 Index.

Provident Financial Holdings, Inc. provided a 3.31% dividend yield over the last twelve months, with an annual payout of $0.56 per share. The company has been increasing its dividends for 15 consecutive years.

The table displays the monthly dividend distributions for Provident Financial Holdings, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Provident Financial Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Provident Financial Holdings, Inc. was 91.83%, occurring on Dec 22, 2009. The portfolio has not yet recovered.

The current Provident Financial Holdings, Inc. drawdown is 10.00%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Provident Financial Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Provident Financial Holdings, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.