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Screener Weekly Summary Pricing

Provident Financial Holdings, Inc. (PROV) vs Sound Financial Bancorp, Inc. (SFBC)

Provident Financial Holdings, Inc. and Sound Financial Bancorp, Inc. are both Banks Regional companies. Provident Financial Holdings, Inc. and Sound Financial Bancorp, Inc. are of similar size ($118.1M and $114.5M). Sound Financial Bancorp, Inc. trades at the lower P/E: 13.7× against 17.7×. Sound Financial Bancorp, Inc. grew revenue faster over the last twelve months: −0.76% against −0.90%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs 11.2%) and the higher return on invested capital (1,916.1% vs 2.57%). Both pay a dividend; Provident Financial Holdings, Inc. yields more (3.92% vs 2.33%). Across the 20 metrics below, Sound Financial Bancorp, Inc. leads on 11 and Provident Financial Holdings, Inc. on 9.

Valuation

Metric PROV SFBC Banks Regional median
P/E 17.71 13.69 12.15
P/S 1.98 1.76 2.37
P/B 0.94 0.97 1.21
Price to free cash flow 13.84 14.94 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.79 (0.04) 2.27
Earnings yield 5.65% 7.30% 8.11%
Free cash flow yield 7.22% 6.70% 8.98%

Profitability

Metric PROV SFBC Banks Regional median
Gross margin 67.19% 64.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.16% 12.84% 18.66%
Free cash flow margin 14.32% 11.77% 21.18%
Return on equity 5.22% 7.33% 10.64%
Return on assets 0.54% 0.75% 1.13%
Return on invested capital 2.57% 1,916.08% 8.33%

Growth

Metric PROV SFBC Banks Regional median
Revenue growth (TTM) (0.90%) (0.76%) 6.61%
EPS growth (last fiscal year) 10.75% 53.89% —
Revenue growth, 5-year CAGR 8.43% 7.74% 12.30%
Net income growth, 5-year CAGR (2.52%) (4.41%) 9.71%

Health

Metric PROV SFBC Banks Regional median
Debt to equity 1.24 0.07 0.22
Current ratio 1.17 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PROV SFBC Banks Regional median
Dividend yield 3.92% 2.33% 3.75%
Payout ratio 0.47 0.17 0.27

Size

Metric PROV SFBC Banks Regional median
Market cap 114.52m 118.13m 921.07m

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