COMP <GO>
PROV vs SFBC // GROSS PROFIT MARGIN
Provident Financial Holdings Inc. (NASDAQ) VS. Sound Financial Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: PROV 2
— SFBC 5
■ METRIC PARITY
LAST: $18.20 (0.00%) • MKT CAP: $112.8M
gross-margins
—
LAST: $45.00 (0.00%) • MKT CAP: $115.6M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PROV VS. SFBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PROV | SFBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.90% | 6.50% | -1.60 | SFBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.23% | 6.05% | +1.18 | PROV | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.34% | 1.68% | +1.66 | PROV | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | SFBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.4 | 50.9 | -2.50 | SFBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.7x | 15.0x | +1.70 | SFBC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $112.8M | $115.6M | -$2.8M | SFBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PROV REV | SFBC REV | PROV GROSS % | SFBC GROSS % | PROV FCF | SFBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $8.2M | $7.0M |
| FY 2024 | $0 | $0 | — | — | $4.1M | $2.9M |
| FY 2023 | $0 | $0 | — | — | $16.3M | $6.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PROV // BETA —
SFBC // BETA —