Bogota Financial Corporation (BSBK) vs Provident Financial Holdings, Inc. (PROV)

Bogota Financial Corporation and Provident Financial Holdings, Inc. are both Banks Regional companies. Bogota Financial Corporation and Provident Financial Holdings, Inc. are of similar size ($115.0M and $114.5M). Provident Financial Holdings, Inc. trades at the lower P/E: 17.7× against 43.4×. Provident Financial Holdings, Inc. grew revenue faster over the last twelve months: −0.90% against −3.19%. Provident Financial Holdings, Inc. has the higher net margin (11.2% vs 5.99%) and the higher return on invested capital (2.57% vs 1.14%). Across the 19 metrics below, Provident Financial Holdings, Inc. leads on 13 and Bogota Financial Corporation on 6.

Valuation

Metric BSBK PROV Banks Regional median
P/E 43.43 17.71 12.15
P/S 2.64 1.98 2.37
P/B 0.80 0.94 1.21
Price to free cash flow 27.89 13.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 3.79 2.27
Earnings yield 2.30% 5.65% 8.11%
Free cash flow yield 3.59% 7.22% 8.98%

Profitability

Metric BSBK PROV Banks Regional median
Gross margin 41.63% 67.19% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% 11.16% 18.66%
Free cash flow margin 9.46% 14.32% 21.18%
Return on equity 1.85% 5.22% 10.64%
Return on assets 0.29% 0.54% 1.13%
Return on invested capital 1.14% 2.57% 8.33%

Growth

Metric BSBK PROV Banks Regional median
Revenue growth (TTM) (3.19%) (0.90%) 6.61%
EPS growth (last fiscal year) 200.00% 10.75% —
Revenue growth, 5-year CAGR 12.93% 8.43% 12.30%
Net income growth, 5-year CAGR 0.22% (2.52%) 9.71%

Health

Metric BSBK PROV Banks Regional median
Debt to equity 0.36 1.24 0.22
Current ratio 0.99 1.17 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBK PROV Banks Regional median
Dividend yield — 3.92% 3.75%
Payout ratio 0.00 0.47 0.27

Size

Metric BSBK PROV Banks Regional median
Market cap 114.98m 114.52m 921.07m

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