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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 - $16.36
Previous CloseN/A
Volume139.00
Average Volume (3M)8.84K
Market Cap
$104.49M
Enterprise Value$263.25M
Total Cash (Recent Filing)$49.66M
Total Debt (Recent Filing)$213.07M
Price to Earnings (P/E)16.2
Beta0.32
Next Earnings
May 04, 2026EPS Estimate
0.37Next Dividend Ex-DateN/A
Dividend Yield3.5%
Share Statistics
EPS (TTM)0.22
Shares Outstanding6,474,230
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 Cap2.52
Enterprise Value/Revenue4.38
Enterprise Value/Gross Profit6.61
Enterprise Value/Ebitda21.38
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Net Interest Margin ExpansionA rising net interest margin indicates the core lending business is earning more on assets than it pays on funding. Sustained NIM expansion improves recurring net interest income and cash generation, supporting profitability even if loan growth is modest, given prudent underwriting.
Strong Free Cash Flow GenerationRobust free cash flow growth and a high conversion ratio show the bank reliably turns accounting earnings into distributable cash. That strengthens capital allocation flexibility for dividends, buybacks, or balance sheet strengthening over multiple quarters.
Solid Capital And Active Capital ReturnsA strong CET1 ratio provides a capital buffer versus regulatory minima, while the board's resumed buyback and steady dividend signal management confidence and disciplined capital allocation. This combination supports resilience and shareholder returns through cycles.
Bears Say
High Leverage On The Balance SheetElevated leverage increases sensitivity to funding and interest-rate stress, constraining strategic flexibility. With a relatively low equity base, earnings shocks or higher provisioning could quickly erode capital cushions and limit the bank's ability to expand lending or absorb losses.
Declining Lending And Deposit VolumesContraction in loans and deposits reduces scale for net interest income and fee income, making margin gains harder to sustain long term. Persistent shrinkage limits balance-sheet leverage to generate earnings, placing more reliance on margin improvement and cost control.
Rising Nonperforming AssetsAn uptick in nonperforming assets indicates emerging credit stress that can require higher provisions and impair earnings. Coupled with elevated leverage, worsening asset quality could pressure capital and constrain growth initiatives until credit trends stabilize.
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 $16.36 in the past 12 months.
What is Provident Financial Holdings, Inc’s market cap?
Provident Financial Holdings, Inc’s market cap is $104.49M.
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 89 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 0.37.
How many shares outstanding does Provident Financial Holdings, Inc have?
Provident Financial Holdings, Inc has 6,474,230 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 -0.124%.
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
1.00% Insiders
20.66% Mutual Funds
16.56% Other Institutional Investors
56.42% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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