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$14.95 - $17.42
Previous CloseN/A
Volume139.00
Average Volume (3M)8.84K
Market Cap
$106.69M
Enterprise Value$235.18M
Total Cash (Recent Filing)$57.13M
Total Debt (Recent Filing)$186.31M
Price to Earnings (P/E)17.8
Beta0.37
Next Earnings
Aug 03, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend Yield3.5%
Share Statistics
EPS (TTM)0.94
Shares Outstanding6,253,691
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 Cap2.20
Enterprise Value/Revenue3.96
Enterprise Value/Gross Profit5.90
Enterprise Value/Ebitda21.88
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
Cash GenerationProvident converts nearly all reported earnings into free cash flow (TTM FCF ~$7.8M; FCF ≈96% of net income). This durable cash conversion underpins dividend and repurchase capacity, funds loan originations or loss absorption, and strengthens financial flexibility over coming quarters.
Asset QualityReported non-performing assets are extremely low (0.08% of assets), reflecting disciplined underwriting and portfolio management. Low credit stress reduces the need for large provisions, stabilizes net income, and supports capital retention through economic cycles.
Capital Return PolicyA declared quarterly dividend signals consistent capital returns and management confidence in earnings and liquidity. A durable dividend policy supports investor trust, imposes capital discipline, and complements buybacks as a mechanism to allocate excess capital over time.
Bears Say
Margin And Revenue DeteriorationRevenue decline and marked margin compression (TTM net margin ~10.3% versus ~17–23% historically) reduce internal earnings power. Persisting weaker top-line and margins will constrain reinvestment, slow capital build, and limit improvements in ROE over the medium term.
Elevated LeverageBalance-sheet leverage remains elevated compared with earlier years despite recent deleveraging. Higher debt-to-equity increases sensitivity to funding costs and regulatory constraints, reducing strategic flexibility and leaving less cushion for credit or market stress over coming quarters.
Loan Growth And Deposit Mix PressureReported loan contraction and a customer shift into higher-yielding time deposits limit growth of earning assets while increasing funding costs. This structural mix pressure can blunt NIM and loan-driven revenue growth, making margin recovery and sustainable profit expansion more difficult.
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 $14.95 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 $106.69M.
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 53 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 6,253,691 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 0.765%.
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
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.20%
12-Months-Change
Fundamentals
Return on Equity
4.77%
Trailing 12-Months
Asset Growth
-3.38%
Trailing 12-Months
Company Description
Provident Financial Holdings, Inc
Provident Financial Holdings, Inc. functions as the parent entity for Provident Savings Bank, F.S.B., a community-focused financial institution. This bank offers a full spectrum of services to individuals and small to mid-sized enterprises across Southern California's Inland Empire region. Its deposit offerings include typical checking, savings, and money market accounts, in addition to certificates of deposit. The lending portfolio is diverse, covering financing for single and multi-family homes, commercial properties, construction ventures, general business needs, and personal loans. Furthermore, the company extends its services to include investment advice, distributing products like annuities and mutual funds, and facilitates real estate dealings through trustee services. Provident Financial conducts its operations from 13 full-service branch locations: 12 are situated in Riverside County, and one is in San Bernardino County. The company was founded in 1956 and has its main offices in Riverside, California.
PROV Company Deck
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
0.84% Insiders
21.34% Mutual Funds
17.76% Other Institutional Investors
53.41% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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