First Northern Community Bancorp vs Provident Financial
FNRN and PROV side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FNRN and PROV compare
First Northern Community Bancorp is the larger company, worth 2.4 times as much as Provident Financial ($277M against $114M).
On earnings, First Northern Community Bancorp is cheaper: it trades at 12.2× trailing earnings, against 17.8× for Provident Financial.
First Northern Community Bancorp grew revenue faster over the last twelve months (7.6% versus 4.2% for Provident Financial).
First Northern Community Bancorp keeps more of each dollar of sales as profit, with a net margin of 29.3% compared with 16.0% at Provident Financial.
Provident Financial pays a dividend yielding 3.8%; First Northern Community Bancorp does not pay one.
First Northern Community Bancorp scores higher on the StockData Score (11 against 9 for Provident Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FNRN | PROV |
|---|---|---|
| Size and price | ||
| Market cap | $277M | $114M |
| Share price | $16.90 | $18.32 |
| Change, 1 year | 35.8% | 20.1% |
| Change, 5 years | 64.1% | 9.2% |
| Beta (5Y) | −0.03 | 0.17 |
| Employees | 201 | 158 |
| StockData Score | ||
| Total score | 11 (better) | 9 |
| Valuation score | 2 | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 5 (better) | 0 |
| Health score | 4 (better) | 2 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 12.2× (better) | 17.8× |
| P/S | 3.6× | 2.8× (better) |
| P/B | 1.3× | 0.9× (better) |
| P/FCF | 15.7× | 11.0× (better) |
| PEG | 1.77 | – |
| FCF yield | 6.4% | 9.1% (better) |
| Fair value | $14.00 | $16.14 |
| Margin of safety | −20.7% | −13.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 7.6% (better) | 4.2% |
| Revenue growth, 5Y average | 5.9% (better) | 2.6% |
| Net income growth (TTM) | 8.7% (better) | 8.5% |
| EPS growth (TTM) | 13.9% | 14.4% (better) |
| EPS growth, 5Y average | 8.4% (better) | 0.59% |
| Profitability | ||
| Net margin | 29.3% (better) | 16.0% |
| FCF margin | 22.7% | 25.3% (better) |
| Return on equity | 11.1% (better) | 5.2% |
| Financial health | ||
| Altman Z-score | 0.21 | 0.35 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 3.8% |
| Payout ratio | – | 54.2% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.00% |
| Buyback yield | 1.7% | 5.8% (better) |
| Shareholder yield | 1.7% | 9.6% (better) |
| Ownership | ||
| Held by institutions | 32.0% | 57.0% |
| Held by insiders | 9.6% | 9.5% |
| Insider net buying, 12 months | −$503K | −$236K (better) |
| Short interest, % of float | 2.4% | 0.25% |
Go deeper
- FNRN stock overview
- FNRN income statement
- FNRN valuation and score
- PROV stock overview
- PROV income statement
- PROV valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.