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DFDV vs PROV

DFDV
DeFi Development Corp.
NEUTRAL
Price
$3.47
Market Cap
$102.4M
Sector
Financial Services
AI Confidence
85%
PROV
Provident Financial Holdings, Inc.
NEUTRAL
Price
$17.04
Market Cap
$108.6M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
DFDV
--
PROV
17.21
Forward P/E
DFDV
-7.54
PROV
13.01
P/B Ratio
DFDV
1.04
PROV
0.86
P/S Ratio
DFDV
8.99
PROV
2.66
EV/EBITDA
DFDV
-6.61
PROV
--

Profitability

Gross Margin
DFDV
97.81%
PROV
0.0%
Operating Margin
DFDV
-2780.11%
PROV
24.41%
Profit Margin
DFDV
0.0%
PROV
16.18%
ROE
DFDV
-143.61%
PROV
5.15%
ROA
DFDV
-13.83%
PROV
0.53%

Growth

Revenue Growth
DFDV
613.5%
PROV
10.9%
Earnings Growth
DFDV
--
PROV
70.2%

Financial Health

Debt/Equity
DFDV
1.28
PROV
--
Current Ratio
DFDV
1.51
PROV
--
Quick Ratio
DFDV
0.12
PROV
--

Dividends

Dividend Yield
DFDV
--
PROV
3.27%
Payout Ratio
DFDV
0.0%
PROV
56.57%

AI Verdict

DFDV NEUTRAL

DFDV shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 1/9). Mixed signals with both opportunities and risks present.

Strengths
Strong revenue growth of 613.5%
Risks
Weak financial trend (Piotroski F-Score: 1/9)
Weak ROE of -143.6%
PROV NEUTRAL

PROV presents a classic deep-value profile, trading at a significant discount to its Graham Number ($21.04) and Intrinsic Value ($29.2). While the Piotroski F-Score of 4/9 indicates stable financial health, the company is struggling with execution, having missed earnings estimates in four consecutive quarters with an average surprise of -18.75%. Strong YoY earnings growth is currently offset by a bearish technical trend, insider selling, and high geographic concentration in Southern California real estate. The stock is fundamentally undervalued but lacks a near-term catalyst for price appreciation.

Strengths
Trading below book value (P/B 0.86)
Significant discount to Graham Number and Intrinsic Value
Strong YoY earnings growth of 70.20%
Risks
High geographic concentration (64% of real estate loans in Southern California)
Consistent failure to meet earnings expectations (0/4 beats in last 4 quarters)
Bearish technical trend (10/100) and insider selling

Compare Another Pair

DFDV vs PROV: Head-to-Head Comparison

This page compares DeFi Development Corp. (DFDV) and Provident Financial Holdings, Inc. (PROV) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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