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
$107.00M
Enterprise Value$236.18M
Total Cash (Recent Filing)$57.13M
Total Debt (Recent Filing)$186.31M
Price to Earnings (P/E)18.9
Beta0.38
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 Cap2.21
Enterprise Value/Revenue3.98
Enterprise Value/Gross Profit5.93
Enterprise Value/Ebitda21.97
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
Asset QualityVery low nonperforming assets and absence of early delinquencies indicate durable credit quality, reducing expected credit losses and provisioning volatility. For a community bank, sustained low NPAs supports steady earnings, capital preservation, and continued lending capacity over the next several quarters.
Funding Repricing OpportunityMaturing wholesale funding at higher rates gives management a structural opportunity to lower funding costs and expand NIM if market rates permit. Lower ongoing funding expenses can sustainably boost net interest income and margin, improving core profitability over the coming 2–6 months.
Cash Generation & DeleveragingFree cash flow closely tracking net income demonstrates real cash conversion of reported profits, supporting dividends and buybacks without stressing liquidity. Combined with falling leverage, this strengthens financial flexibility and lowers balance-sheet risk for sustained capital returns.
Bears Say
Modest ReturnsLow ROE and materially compressed margins versus prior years signal limited profitability power relative to peers. Persistently modest returns constrain retained earnings growth and capital accumulation, limiting ability to scale lending, absorb shocks, or sustainably lift dividend/share repurchase levels over time.
High Loan PayoffsElevated principal payoffs that outpace originations create structural volatility in loan balances and interest income. If payoffs persist, balance-sheet growth stalls, fee opportunities decline, and NIM suffers via deferred cost amortization, limiting durable loan-driven revenue expansion.
Elevated LeverageWhile improving, remaining elevated leverage increases sensitivity to interest costs and asset shocks. Higher debt levels reduce capital cushion, constrain risk-taking capacity, and can pressure funding flexibility if economic or credit conditions worsen, posing a lasting constraint on strategic initiatives.
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 $107.00M.
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 74 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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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
-3.38%
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
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
0.56% Insiders
21.34% Mutual Funds
17.76% Other Institutional Investors
53.71% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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