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Provident Financial Holdings, Inc (PROV)
NASDAQ:PROV
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$12.98 - $16.64
Previous CloseN/A
Volume139.00
Average Volume (3M)8.84K
Market Cap
$102.00M
Enterprise Value$260.69M
Total Cash (Recent Filing)$153.27M
Total Debt (Recent Filing)$213.06M
Price to Earnings (P/E)16.1
Beta0.34
Next Earnings
May 04, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend Yield3.5%
Share Statistics
EPS (TTM)0.22
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 Cap2.56
Enterprise Value/Revenue4.33
Enterprise Value/Gross Profit6.39
Enterprise Value/Ebitda21.32
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.44
Revenue Forecast (FY)$40.50M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationFCF conversion near 96% of net income indicates high earnings quality and persistent internal funding. This durable cash generation supports dividends, buybacks, and organic investment without heavy external financing, improving resilience and optionality over the next several quarters.
Improving Asset QualityNPAs at 0.08%, a recovery to credit losses and no early delinquencies signal disciplined underwriting and low credit volatility. Sustained low problem assets reduces expected loan loss provisioning and preserves capital, supporting stable earnings through economic cycles.
Higher-yielding New ProductionNew loans earning materially higher yields than the legacy portfolio create a structural path to margin expansion as higher-yield production replaces lower-yield assets and management can reprice funding. This supports sustainable net interest income growth if originations persist.
Bears Say
Elevated LeverageDebt-to-equity near 1.67, up from ~0.66–0.79 previously, meaningfully reduces balance-sheet flexibility. Higher leverage constrains the bank's capacity to absorb shocks, raises funding sensitivity, and limits strategic optionality like significant organic growth or larger capital returns.
Payoffs Offsetting OriginationsElevated payoffs that exceeded originations reduced interest-earning assets and capped loan book growth. If payoff trends persist, recurring net interest income growth will be constrained and the bank may struggle to scale core lending revenues despite a healthy origination pipeline.
Capital Returns Exceed Quarterly EarningsDistributions at 170% of quarterly net income are shareholder-friendly but strain retained earnings and the capital buffer. Over several quarters, this pace could weaken loss absorbency or force reductions in buybacks/dividends if earnings soften, limiting long-term capital flexibility.
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 $12.98 and its highest was $16.64 in the past 12 months.
What is Provident Financial Holdings, Inc’s market cap?
Provident Financial Holdings, Inc’s market cap is $102.00M.
When is Provident Financial Holdings, Inc’s upcoming earnings report date?
Provident Financial Holdings, Inc’s upcoming earnings report date is May 04, 2026 which is in 64 days.
How were Provident Financial Holdings, Inc’s earnings last quarter?
Provident Financial Holdings, Inc released its earnings results on Jan 27, 2026. The company reported $0.22 earnings per share for the quarter, missing the consensus estimate of $0.35 by -$0.13.
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 $0.22 in its last earnings report, missing expectations of $0.35. Following the earnings report the stock price went down -0.125%.
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
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.20%
12-Months-Change
Fundamentals
Return on Equity
4.68%
Trailing 12-Months
Asset Growth
-2.11%
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 Company Deck
PROV Earnings Call
Q2 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
20.99% Mutual Funds
17.41% Other Institutional Investors
55.11% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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