First Northwest Bancorp (FNWB) vs Provident Financial Holdings, Inc. (PROV)

First Northwest Bancorp and Provident Financial Holdings, Inc. are both Banks Regional companies. Provident Financial Holdings, Inc. is the larger, with a market value of $112.7M against $96.0M — 1.2× the size. First Northwest Bancorp has negative trailing earnings, so its P/E is not meaningful; Provident Financial Holdings, Inc. trades at 17.5×. Provident Financial Holdings, Inc. grew revenue faster over the last twelve months: −0.90% against −5.00%. Provident Financial Holdings, Inc. has the higher net margin (11.2% vs −0.04%) and the higher return on invested capital (2.57% vs −0.11%). Only Provident Financial Holdings, Inc. pays a dividend (3.08%). Across the 18 metrics below, Provident Financial Holdings, Inc. leads on 13 and First Northwest Bancorp on 5.

Valuation

Metric FNWB PROV Banks Regional median
P/E n/m 17.46 12.02
P/S 0.80 1.95 2.36
P/B 0.60 0.92 1.23
Price to free cash flow 17.98 13.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.13%) 5.73% 8.21%
Free cash flow yield 5.56% 7.33% 9.23%

Profitability

Metric FNWB PROV Banks Regional median
Gross margin 60.06% 67.19% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.04%) 11.16% 18.82%
Free cash flow margin 5.20% 14.32% 17.97%
Return on equity (0.03%) 5.22% 10.28%
Return on assets 0.00% 0.54% 1.13%
Return on invested capital (0.11%) 2.57% 8.45%

Growth

Metric FNWB PROV Banks Regional median
Revenue growth (TTM) (5.00%) (0.90%) 6.37%
EPS growth (last fiscal year) 36.00% 10.75% 18.85%
Revenue growth, 5-year CAGR 11.93% 8.43% 12.65%
Net income growth, 5-year CAGR 0.00% (2.52%) 9.81%

Health

Metric FNWB PROV Banks Regional median
Debt to equity 2.09 1.24 0.17
Current ratio 1.04 1.17 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB PROV Banks Regional median
Dividend yield 0.00% 3.08% 2.49%
Payout ratio 0.00 0.54 0.29

Size

Metric FNWB PROV Banks Regional median
Market cap 96.03m 112.74m 934.85m

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