Peer Analysis

Performance Ratios (%) PROV Peer Median Peer Average
ROAA 0.51 1.07 1.10
ROAE 4.59 9.14 7.88
Net Interest Margin 3.55 2.92 3.38
Efficiency Ratio 77.04 60.01 58.68
Loans / Deposits 113.79 94.29 98.38
Asset Quality Ratios (%)
NPAs / Assets 0.31 0.25 0.36
NCOs / Avg Loans (0.01) 0.00 0.13
Reserves / Loans 0.73 0.78 0.95
Reserves / NPAs 201.96 150.13 218.88
Capital Ratios (%)
Tier 1 Capital NA 11.97 14.35
Tangible Equity / Tangible Assets 11.18 9.88 11.54
Total Equity / Total Assets 11.18 10.52 13.43
Market Ratios
Price / Earnings (x) 17.57 9.88 13.78
Price / Book (%) 76.48 76.17 83.22
Dividend Yield (%) 4.43 2.77 2.76
Data for trailing four quarters

Provident Financial Holdings, Inc.'s peer group consists of the following: CVB Financial Corp. (CVBF), First Foundation Inc. (FFWM), HomeStreet, Inc. (HMST), Pacific Mercantile Bancorp (PMBC), Pacific Premier Bancorp, Inc. (PPBI), River City Bank (RCBC), Waterstone Financial, Inc. (WSBF)

Provident Financial Holdings, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019