Provident Financial Holdings, Inc. (PROV)

NMS – Real Time Price. Currency in USD

18.00

+0.05 (0.28%)

Market open: Aug 12, 2026, 2:41 PM EDT

17.95

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 18.045$
Day's range: 18.03 - 18.1$
52-week range: 14.95 - 18.47$
Volume: 1 533
Average volume: 8 572
Beta: 0.22
EPS (TTM): 1.04
PE ratio (TTM): 17.55
Forward P/E: 13.42
Market cap: 112 847 853
Shares outstanding: 6 253 691
Dividend yield: $3.12 (3.12%)
Next earnings date: 2026-10-27
Sector: Financials
Industry: Banks - Regional

About the company

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,... read more

CEO: Donavon Ternes
Country: United States
IPO Date: 1996-06-28
Employees: 185
Fiscal Year End: July - June
Website: https://www.myprovident.com

Revenue Breakdown

Provident Bank / 100.00%

News

No Data

There are no news for this stock.

Chart: PROV

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Overall Score

4.3 / 1043%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $157.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.2) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.24	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.24	0.05	6.0
Debt to Assets	0.13	0.09	8.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2023	2024	2025	2026	TTM
Total Revenue	50M	59M	60M	60M	60M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	12M	10M	9M	10M	10M
Net Income	9M	7M	6M	7M	7M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	27.75	0.44	10
Net margin %	20.62	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.51	1.46	2.0
ROE	4.96	14.94	4.0
ROIC	3.13	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	5.72	28	7.5
Next quarter	5.68	52.27	7.5
Current year	3.36	30.58	7.0
Next year	0.24	-5.58	1.5
Weighted average score			5.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.93	61.3	66.67	69.09	8.5
Y/Y	1.58	34.32	45.83	-47	6.0
3y average	15.55	-11.6	-8.53	19.8	5.0
5y average	6.1	-3.23	-0.91	21.76	4.3
Weighted average score					6.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	17.66	11.16	4.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.94	3.37	4.8
P/B	0.90	1.53	8.4
Weighted average score			4.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR1.07%

FCF 5 year CAGR4

Fair value18.94$

Stock price17.95$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.61	3.61	8.0
Payout ratio	40.14	40.14	7.0
5-year dividend growth rate	0.00	0.00	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			4.3

Fair Value

$18.94

UndervaluedStock priceOvervalued

$17.95

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Donavon Ternes

Country

United States

IPO Date

1996-06-28

Employees

185

Fiscal Year End

July - June

Website

https://www.myprovident.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.24

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.24

0.05

6.0

Debt to Assets

0.13

0.09

8.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2023

2024

2025

2026

TTM

Total Revenue

50M

59M

60M

Gross Profit

N/A

Operating Income

12M

10M

Net Income

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

27.75

0.44

Net margin %

20.62

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.51

1.46

2.0

ROE

4.96

14.94

4.0

ROIC

3.13

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

5.72

7.5

Next quarter

5.68

52.27

7.5

Current year

3.36

30.58

7.0

Next year

0.24

-5.58

1.5

Weighted average score

5.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.93

61.3

66.67

69.09

8.5

Y/Y

1.58

34.32

45.83

-47

6.0

3y average

15.55

-11.6

-8.53

19.8

5.0

5y average

6.1

-3.23

-0.91

21.76

4.3

Weighted average score

6.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

17.66

11.16

4.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.94

3.37

4.8

P/B

0.90

1.53

8.4

Weighted average score

4.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.61

8.0

Payout ratio

40.14

7.0

5-year dividend growth rate

0.00

1.0

Years of dividend increase

0.00

1.0

Weighted average score

4.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Provident Financial Holdings, Inc. (PROV)

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Provident Financial Holdings, Inc. (PROV)

Stock details

About the company

Revenue Breakdown

News

Chart: PROV

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$18.94

$17.95

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: PROV

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$18.94

$17.95

Economic Moat