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PROV Stock Chart & Stats
$17.22
<$0.01(0.06%)
At close: 4:00 PM EDT
$17.22
<$0.01(0.06%)
Day’s Range― - ―
52-Week Range$14.95 - $18.00
Previous Close$17.22
Volume4.91K
Average Volume (3M)8.84K
Market Cap
$111.07M
Enterprise Value$216.77
Total Cash (Recent Filing)$57.13M
Total Debt (Recent Filing)$186.31M
Price to Earnings (P/E)17.2
Beta0.39
Next Earnings
Oct 27, 2026EPS Estimate
0.3Next Dividend Ex-DateN/A
Dividend Yield3.15%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$17.00Price Target Upside-1.28% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.18
Revenue Forecast (FY)$39.50M
Bulls Say, Bears Say
Bulls Say
Asset QualityExtremely low NPAs and a healthy allowance indicate limited credit deterioration risk, reducing provisioning volatility and supporting predictable earnings and capital retention. Strong credit metrics underpin durable profitability and regulatory capital stability over the next several quarters.
Loan Yield TailwindsA concentrated tranche of repricing and new production carrying higher rates create a structural lift to interest yields and NIM as loans roll to higher coupons. This dynamic supports sustained net interest income growth over the coming 2–6 months even as funding costs evolve.
Capital Strength & ReturnsMaintaining dividends and buybacks while remaining well-capitalized signals consistent capital generation and management confidence. High capital buffers provide regulatory flexibility to support lending, absorb shocks, and sustain shareholder distributions over the medium term.
Bears Say
Modest Loan GrowthVery limited balance-sheet expansion constrains the company's ability to scale net interest income and fee revenue. Even with strong originations, weak aggregate loan growth limits operating leverage and revenue momentum, capping medium-term earnings upside.
Elevated LeverageLeverage remains materially above historical norms despite improvement, increasing sensitivity to funding stress and interest-rate moves. Elevated debt-to-equity can constrain strategic flexibility, raise funding costs under stress, and limit appetite for loan growth or large capital returns.
Funding Repricing RiskConcentrated near-term wholesale maturities and a competitive deposit market create tangible upward pressure on funding costs. If repricing outpaces loan yield gains, NIM expansion may be eroded, making net interest income gains less durable across upcoming quarters.
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 $18.00 in the past 12 months.
What is Provident Financial Holdings, Inc’s market cap?
Provident Financial Holdings, Inc’s market cap is $111.07M.
When is Provident Financial Holdings, Inc’s upcoming earnings report date?
Provident Financial Holdings, Inc’s upcoming earnings report date is Oct 27, 2026 which is in 86 days.
How were Provident Financial Holdings, Inc’s earnings last quarter?
Provident Financial Holdings, Inc released its earnings results on Jul 28, 2026. The company reported $0.35 earnings per share for the quarter, beating the consensus estimate of $0.29 by $0.06.
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 3.15%. 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 0.3.
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 $0.35 in its last earnings report, beating expectations of $0.29. Following the earnings report the stock price went up 1.97%.
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
Analyst Consensus
Hold
Average Price Target:
$17.00 (-1.28% Downside)
$17.00 (-1.28% Downside)
Blogger Sentiment
Neutral
PROV Sentiment 100%
Sector Average 57%
Sector Average 57%
Hedge Fund Trend
Decreased
By 15.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.20%
12-Months-Change
Fundamentals
Return on Equity
3.15%
Trailing 12-Months
Asset Growth
-3.41%
Trailing 12-Months
Company Description
Provident Financial Holdings, Inc
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
PROV Company Deck
PROV Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a broadly positive operating and financial picture: net interest margin expanded, loan yields and originations rose, asset quality strengthened (nonperforming assets declined and no early delinquencies), and the franchise remains well-capitalized with active capital returns. Offsetting risks include modest absolute loan growth, competitive deposit costs and upcoming wholesale funding repricing that may pressure funding costs, and some volatility from prepayment-related amortization. On balance the positives (margin expansion, improving yields, strong credit metrics, and capital actions) outweigh the headwinds.View all PROV earnings summariesPROV Stock 12 Month Forecast
Average Price Target
$17.00
▼(-1.28% Downside)
Technical 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
1.18% Insiders
21.39% Mutual Funds
<0.01% Other Institutional Investors
70.58% Public Companies and
Individual Investors