COMP <GO>
PROV vs FDSB // RETURN ON INVESTED CAPITAL (ROIC)
Provident Financial Holdings Inc. (NASDAQ) VS. Fifth District Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: PROV 5
— FDSB 1
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: PROV
LAST: $18.20 (0.00%) • MKT CAP: $112.8M
roic
4.90%
LAST: $17.45 (+0.51%) • MKT CAP: $91.4M
roic
3.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PROV VS. FDSB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PROV | FDSB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 4.90% | 3.20% | +1.70 | PROV | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.23% | 1.03% | +6.20 | PROV | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | -2.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.34% | 0.00% | +3.34 | PROV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.2 | 54.4 | -8.22 | FDSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.7x | 20.7x | -4.00 | PROV | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $112.8M | $91.4M | $21.4M | PROV | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PROV REV | FDSB REV | PROV GROSS % | FDSB GROSS % | PROV FCF | FDSB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $605.0K | — | — | $8.2M | $942.0K |
| FY 2024 | $0 | $619.0K | — | — | $4.1M | -$1.6M |
| FY 2023 | $0 | $614.0K | — | — | $16.3M | $796.0K |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PROV // BETA —
FDSB // BETA —