BV Financial vs Provident Financial Holdings
BV Financial and Provident Financial Holdings are similar in size: $39.6m and $40.1m of revenue in their latest fiscal years. BV Financial grew faster (5.1% against 2.7%). BV Financial kept more of each dollar of sales as profit: a net margin of 34.1% against 16.6%.
| Latest fiscal year | BV FinancialBVFL, 2025 | Provident Financial HoldingsPROV, 2026 |
|---|---|---|
| Revenue | $39.6m | $40.1m |
| Revenue growth | 5.1% | 2.7% |
| Net income | $13.5m | $6.7m |
| Operating margin | — | — |
| Net margin | 34.1% | 16.6% |
| Return on equity | 7.1% | 5.2% |
| Free cash flow | $18.8m | $8.5m |
| Cash | $55.7m | $49.2m |
| Total debt | $35.0m | $157m |
| Debt to equity | — | — |
| Dividend per share | — | $0.56 |
| Dividend yield | — | 3.2% |
| Share buybacks | $30.0m | $6.0m |
| Employees | 99 | 158 |
| Market value | $186m | $114m |
| Price vs our value range | — | — |
| Moat score | — | 49 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 5 sales |