Provident Financial Holdings, Inc (PROV)
NASDAQ:PROV
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PROV Stock Chart & Stats
$16.10
-$0.08(-0.51%)
At close: 4:00 PM EST
$16.10
-$0.08(-0.51%)
Day’s Range― - ―
52-Week Range$14.85 - $17.42
Previous CloseN/A
Volume139.00
Average Volume (3M)8.84K
Market Cap
$109.40M
Enterprise Value$52.52M
Total Cash (Recent Filing)$153.27M
Total Debt (Recent Filing)$213.06M
Price to Earnings (P/E)―
Beta0.37
Next Earnings
Aug 03, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend Yield3.5%
Share Statistics
EPS (TTM)0.21
Shares Outstanding6,375,020
10 Day Avg. Volume9,911
30 Day Avg. Volume8,842
Financial Highlights & Ratios
PEG Ratio-1.36
Price to Book (P/B)0.81
Price to Sales (P/S)1.73
P/FCF Ratio12.77
Enterprise Value/Market Cap0.48
Enterprise Value/Revenue0.87
Enterprise Value/Gross Profit1.29
Enterprise Value/Ebitda4.30
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.21
Revenue Forecast (FY)$40.50M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistently high free cash flow conversion (FCF ≈96% of net income) and robust trailing‑12‑month operating cash flow provide durable internal funding for loan growth, reserve coverage, dividends and buybacks. Strong cash generation enhances resilience to credit cycles and supports capital flexibility over months.
Low Credit Losses And Asset QualityVery low nonperforming assets (0.08% of assets) and a stable allowance (~55 bps) indicate disciplined underwriting and limited near‑term credit deterioration. Durable asset quality reduces expected loss volatility, enabling steadier net income and less capital strain through economic cycles.
Repricing And Funding OpportunityNew originations are earning meaningfully higher yields than the existing portfolio while a material tranche of wholesale funding is maturing and expected to reprice lower. This structural asset‑and‑liability repricing dynamic supports sustainable NIM expansion and recurring net interest income improvement over coming quarters.
Bears Say
Higher LeverageLeverage has increased materially (TTM debt/equity ≈1.67), reducing balance‑sheet flexibility and amplifying sensitivity to rate and credit shocks. Higher debt levels constrain regulatory and strategic options, raise funding and interest expense risk, and make capital cushions thinner if earnings weaken.
Slowing Growth And Margin CompressionRevenue growth has cooled to roughly zero and net margins have contracted from prior years’ levels. This durable slowdown and margin pressure limit earnings scalability, reduce retained earnings for capital build, and make meeting dividend and buyback policies harder without structural revenue or efficiency improvements.
Aggressive Capital Returns Vs EarningsDividends and repurchases running at about 170% of a quarter’s net income signal aggressive capital distribution. If earnings or loan volumes decline, such distributions could deplete capital buffers or force reductions in shareholder returns, limiting the firm’s ability to absorb credit losses or invest in growth.
Provident Financial Holdings News
PROV FAQ
What was Provident Financial Holdings, Inc’s price range in the past 12 months?
Provident Financial Holdings, Inc lowest stock price was $14.85 and its highest was $17.42 in the past 12 months.
What is Provident Financial Holdings, Inc’s market cap?
Provident Financial Holdings, Inc’s market cap is $109.40M.
When is Provident Financial Holdings, Inc’s upcoming earnings report date?
Provident Financial Holdings, Inc’s upcoming earnings report date is Aug 03, 2026 which is in 94 days.
How were Provident Financial Holdings, Inc’s earnings last quarter?
Provident Financial Holdings, Inc released its earnings results on Apr 28, 2026. The company reported $0.21 earnings per share for the quarter, missing the consensus estimate of $0.31 by -$0.1.
Is Provident Financial Holdings, Inc overvalued?
According to Wall Street analysts Provident Financial Holdings, Inc’s price is currently Overvalued.
Does Provident Financial Holdings, Inc pay dividends?
Provident Financial Holdings, Inc pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 3.5%. See more information on Provident Financial Holdings, Inc dividends here
What is Provident Financial Holdings, Inc’s EPS estimate?
Provident Financial Holdings, Inc’s EPS estimate is 0.31.
How many shares outstanding does Provident Financial Holdings, Inc have?
Provident Financial Holdings, Inc has 6,375,020 shares outstanding.
What happened to Provident Financial Holdings, Inc’s price movement after its last earnings report?
Provident Financial Holdings, Inc reported an EPS of $0.21 in its last earnings report, missing expectations of $0.31. Following the earnings report the stock price went up 0.764%.
Which hedge fund is a major shareholder of Provident Financial Holdings, Inc?
Currently, no hedge funds are holding shares in PROV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Provident Financial Holdings Stock Smart Score
Underperform
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10
Hedge Fund Trend
Decreased
By 67.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.20%
12-Months-Change
Fundamentals
Return on Equity
4.77%
Trailing 12-Months
Asset Growth
-2.16%
Trailing 12-Months
Company Description
Provident Financial Holdings, Inc
Provident Financial Holdings, Inc. (PROV) is a financial services company primarily engaged in the banking sector. The company operates through its wholly-owned subsidiary, Provident Savings Bank, which offers a range of financial products and services, including residential and commercial real estate loans, consumer loans, and deposit accounts. Headquartered in Riverside, California, PROV serves a diverse customer base and focuses on providing personalized banking solutions while maintaining a commitment to community involvement and support.
PROV Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted several positive operational and financial trends — stronger loan originations, improved asset quality, slightly higher net interest margin, lower funding costs, and solid capital positions with ongoing shareholder returns. These positives were partially offset by elevated loan payoffs that reduced quarter-end loan balances and pressured NIM through accelerated deferred cost amortization, a modest rise in operating expenses (including a settlement), and some uncertainty around loan repricing in June 2026 that could affect growth. On balance, the company appears fundamentally stable with opportunities for margin improvement, but near-term growth is subject to payoff and repricing dynamics.View all PROV earnings summariesTechnical Analysis
Auburn National Bancorporation
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Magyar Bancorp
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Pathfinder Bancorp
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Riverview Bancorp
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Union Bankshares
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Ownership Overview
1.02% Insiders
20.94% Mutual Funds
4.47% Other Institutional Investors
68.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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