Provident Financial Holdings, Inc. (PROV) vs Sound Financial Bancorp, Inc. (SFBC)
A side-by-side comparison of Provident Financial Holdings, Inc. and Sound Financial Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — PROV vs SFBC
growth of $100 · dividends reinvested · last 10yPROV vs SFBC: by the numbers
- •PROV is the larger company ($115M vs $108M market cap).
- •SFBC trades at the lower trailing earnings multiple (14.50 vs 18.10 P/E), one valuation lens rather than an overall verdict.
- •SFBC converts more revenue to profit (12.93% vs 11.16% net margin).
- •PROV grew revenue faster over the past five years (8.43% vs 7.35% CAGR).
- •PROV pays the higher dividend yield (3.05% vs 1.84%).
Metrics side by side
Valuation
| Metric | PROV | SFBC |
|---|---|---|
| P/E ratio | 18.10 | 14.50 |
| Forward P/E | 13.72 | N/A |
| PEG ratio | 30.67 | N/A |
| P/S ratio | 1.94 | 1.73 |
| P/B ratio | 0.91 | 0.96 |
Profitability
| Metric | PROV | SFBC |
|---|---|---|
| Operating margin | 16.16% | 15.70% |
| Net margin | 11.16% | 12.93% |
| ROE | 5.27% | 7.14% |
Provident Financial Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Sound Financial Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | PROV | SFBC |
|---|---|---|
| Dividend yield | 3.05% | 1.84% |
| Payout ratio | 54.90% | 26.28% |
Growth (annualized)
| Metric | PROV | SFBC |
|---|---|---|
| Revenue CAGR (5Y) | 8.43% | 7.35% |
| EPS CAGR (5Y) | 0.59% | -4.09% |
| Total return CAGR (5Y) | 5.47% | 0.94% |
Frequently asked
- Which has the lower trailing P/E, PROV or SFBC?
- SFBC has the lower trailing P/E: PROV trades at 18.10 and SFBC at 14.50. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, PROV or SFBC?
- Over the past five years, PROV grew revenue faster — PROV at a 8.43% CAGR versus SFBC at 7.35%.
- Does PROV or SFBC pay a bigger dividend?
- PROV yields 3.05% and SFBC yields 1.84% based on trailing dividends and the latest price.
- Is PROV or SFBC more profitable?
- SFBC runs the higher net margin — PROV at 11.16% versus SFBC at 12.93%.
- How have PROV and SFBC total returns compared?
- Over the past 10 years, PROV delivered 2.94% and SFBC delivered 7.90% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Provident Financial & Sound Financial Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.