Peer Analysis

Performance Ratios (%) PROV Peer Median Peer Average
ROAA 0.39 1.14 1.10
ROAE 3.63 8.46 8.33
Net Interest Margin 3.45 2.97 3.43
Efficiency Ratio 83.73 61.72 59.79
Loans / Deposits 105.44 95.83 99.36
Asset Quality Ratios (%)
NPAs / Assets 0.74 0.15 0.21
NCOs / Avg Loans (0.02) (0.01) 0.07
Reserves / Loans 0.80 0.79 0.92
Reserves / NPAs 87.59 290.45 347.51
Capital Ratios (%)
Tier 1 Capital NA 12.23 14.36
Tangible Equity / Tangible Assets 11.12 9.52 11.11
Total Equity / Total Assets 11.12 10.28 13.06
Market Ratios
Price / Earnings (x) 35.69 15.30 17.52
Price / Book (%) 128.45 121.62 121.53
Dividend Yield (%) 2.71 1.33 1.54
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 6/30/2019.

Peer financial data is as of 6/30/2019