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Provident Financial Holdings, Inc. (PROV) vs Winchester Bancorp, Inc. (WSBK)

Provident Financial Holdings, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Provident Financial Holdings, Inc. and Winchester Bancorp, Inc. are of similar size ($116.0M and $112.9M). Provident Financial Holdings, Inc. trades at the lower P/E: 17.4× against 26.4×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against −0.90%. Provident Financial Holdings, Inc. has the higher net margin (11.2% vs 8.56%) and the higher return on invested capital (2.57% vs 1.64%). Across the 16 metrics below, Provident Financial Holdings, Inc. leads on 14 and Winchester Bancorp, Inc. on 2.

Valuation

Metric PROV WSBK Banks Regional median
P/E 17.41 26.39 11.98
P/S 1.95 2.25 2.34
P/B 0.92 0.96 1.19
Price to free cash flow 13.61 22.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.74% 3.79% 8.23%
Free cash flow yield 7.35% 4.53% 9.08%

Profitability

Metric PROV WSBK Banks Regional median
Gross margin 67.19% 50.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.16% 8.56% 18.66%
Free cash flow margin 14.32% 10.17% 21.11%
Return on equity 5.22% 3.75% 10.65%
Return on assets 0.54% 0.43% 1.13%
Return on invested capital 2.57% 1.64% 8.35%

Growth

Metric PROV WSBK Banks Regional median
Revenue growth (TTM) (0.90%) 16.05% 6.98%
EPS growth (last fiscal year) 10.75% 590.00% 18.88%
Revenue growth, 5-year CAGR 8.43% — 12.38%
Net income growth, 5-year CAGR (2.52%) — 9.71%

Health

Metric PROV WSBK Banks Regional median
Debt to equity 1.24 1.31 0.22
Current ratio 1.17 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PROV WSBK Banks Regional median
Dividend yield 3.09% — 2.57%
Payout ratio 0.54 — 0.30

Size

Metric PROV WSBK Banks Regional median
Market cap 112.90m 115.95m 913.33m

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