Provident Financial vs Sound Financial Bancorp
PROV and SFBC side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PROV and SFBC compare
Provident Financial and Sound Financial Bancorp are about the same size, with market caps of $114M and $116M.
On earnings, Sound Financial Bancorp is cheaper: it trades at 14.4× trailing earnings, against 17.8× for Provident Financial.
Sound Financial Bancorp grew revenue faster over the last twelve months (6.0% versus 4.2% for Provident Financial).
Sound Financial Bancorp keeps more of each dollar of sales as profit, with a net margin of 19.9% compared with 16.0% at Provident Financial.
Both pay dividends: Provident Financial yields 3.8% and Sound Financial Bancorp 1.9%.
Sound Financial Bancorp scores higher on the StockData Score (12 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 | PROV | SFBC |
|---|---|---|
| Size and price | ||
| Market cap | $114M | $116M |
| Share price | $18.32 | $45.04 |
| Change, 1 year | 20.1% | 0.18% |
| Change, 5 years | 9.2% | 7.2% |
| Beta (5Y) | 0.17 | 0.09 |
| Employees | 158 | 92 |
| StockData Score | ||
| Total score | 9 | 12 (better) |
| Valuation score | 2 | 2 |
| Growth score | 1 | 1 |
| Performance score | 0 | 2 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 17.8× | 14.4× (better) |
| P/S | 2.8× (better) | 2.9× |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 11.0× (better) | 15.8× |
| FCF yield | 9.1% (better) | 6.3% |
| Fair value | $16.14 | $44.96 |
| Margin of safety | −13.5% | −0.18% (better) |
| Growth | ||
| Revenue growth (TTM) | 4.2% | 6.0% (better) |
| Revenue growth, 5Y average | 2.6% (better) | 2.2% |
| Net income growth (TTM) | 8.5% | 27.6% (better) |
| EPS growth (TTM) | 14.4% | 28.4% (better) |
| EPS growth, 5Y average | 0.59% (better) | −4.1% |
| Profitability | ||
| Net margin | 16.0% | 19.9% (better) |
| FCF margin | 25.3% (better) | 18.2% |
| Return on equity | 5.2% | 7.4% (better) |
| Financial health | ||
| Altman Z-score | 0.35 (better) | 0.22 |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.8% (better) | 1.9% |
| Payout ratio | 54.2% | 25.5% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 0.00% (better) | −1.0% |
| Buyback yield | 5.8% | – |
| Shareholder yield | 9.6% (better) | 1.9% |
| Ownership | ||
| Held by institutions | 57.0% | 45.6% |
| Held by insiders | 9.5% | 7.2% |
| Insider net buying, 12 months | −$236K | −$119K (better) |
| Short interest, % of float | 0.25% | 0.15% |
Go deeper
- PROV stock overview
- PROV income statement
- PROV valuation and score
- SFBC stock overview
- SFBC income statement
- SFBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.