Provident Financial Holdings, Inc. PROV

18.42 0.05 0.27% as of 25 Sep
Market cap
$114.5M
P/E
17.7×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.21
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 — — — — — — 4 — — —
Insider Ownership 23.78%

Capital & Financial Ratios

Market Cap 114.52
Revenue 59.62
Net Income 6.66
Free Cash Flow 8.54
Net Debt 107.84
Current Ratio 1.17
Debt/Equity 1.24
P/E ratio 17.71
P/S ratio 1.98
P/B ratio 0.94
Past 5Y EPS Growth 12.68%
This Y EPS Growth 30.58%
Next Y EPS Growth (5.58%)
Next 5Y EPS Growth 5.11%
in millions of $

Dividends

Payout Ratio 0.47
Annual Dividend Rate 0.56
Annual Dividend Yield 3.92%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.56
0.14
0.14
0.14
2025 0.56
0.14
0.14
0.14
0.14
2024 0.56
0.14
0.14
0.14
0.14
2023 0.56
0.14
0.14
0.14
0.14
2022 0.56
0.14
0.14
0.14
0.14
2021 0.56
0.14
0.14
0.14
0.14
2020 0.56
0.14
0.14
0.14
0.14
2019 0.56
0.14
0.14
0.14
0.14
2018 0.56
0.14
0.14
0.14
0.14
2017 0.54
0.13
0.13
0.14
0.14
2016 0.50
0.12
0.12
0.13
0.13
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 2026
Cash 66 51 53 49
Receivables — — — —
Inventory — — — —
Other — — — —
1,147 1,109 1,103 1,086
2023 2024 2025 2026
Payables 968 904 904 925
ST’ Debt — — — —
Other — — — —
968 904 904 925
in millions of $

Compound Annual Growth

10y 5y 3y
Sales (2.45%) 8.43% 5.99%
Cash Flow (15.40%) (4.97%) (18.09%)
Earnings (1.15%) (2.52%) (8.16%)
Book Value (0.56%) (0.17%) (0.90%)

Revenue

Sep Dec Mar Jun Year
’26 — — — — —
’26 15 15 15 15 60
’25 15 15 15 15 60
’24 14 15 15 15 59
’23 11 12 13 14 50
’22 10 10 9 10 39
’21 11 10 10 10 40
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’26 2 1 2 3 9
’25 3 0 3 2 9
’24 3 0 3 (1) 6
’23 2 3 7 4 16
’22 3 3 2 4 12
’21 3 4 2 3 12
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — — — —
’26 2 1 2 3 9
’25 2 0 3 2 8
’24 3 0 3 (1) 4
’23 2 3 6 4 16
’22 3 3 2 4 12
’21 3 4 2 3 11
in millions of $ · fiscal quarters ending in the months shown

EPS

Sep Dec Mar Jun Year
’26 — — — — —
’26 0.25 0.22 0.21 0.35 1.03
’25 0.28 0.13 0.28 0.24 0.93
’24 0.25 0.31 0.22 0.28 1.06
’23 0.29 0.33 0.33 0.26 1.19
’22 0.35 0.30 0.23 0.34 1.22
’21 0.20 0.16 0.21 0.44 1.00
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
17.62 14.67 15.26 11.40 14.50 13.29 10.16 12.01 12.98 15.55

Analyst estimates 2027–2029

Powerpack
Low Price
20.35 19.78 22.99 22.84 18.48 17.37 14.98 16.70 16.36 18.99
High Price
464 376 187 178 161 179 161 160 185 179
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
73 65 57 47 40 39 50 59 60 60
Revenue
90.88% 90.08% 89.09% 87.11% 88.53% 92.05% 82.01% 66.24% 64.83% 67.19%
Gross Margin
9 6 6 11 10 13 12 10 9 10
EBT
12.04% 8.55% 10.41% 23.21% 25.61% 32.60% 24.80% 17.70% 14.75% 16.16%
EBT Margin
5 2 4 8 8 9 9 7 6 7
Net Income
3 3 3 3 6 5 3 3 3 4
Depreciation
9.25 8.57 7.60 6.29 5.33 5.33 7.01 8.45 8.96 9.29
Revenue/Sh
0.66 0.28 0.59 1.03 1.01 1.23 1.20 1.06 0.93 1.04
Earnings/Sh
10.54 3.71 14.31 1.07 1.55 1.59 2.29 0.82 1.29 1.40
Cash Flow/Sh
0.12 (0.04) 0.06 (0.03) (0.03) (0.02) (0.10) (0.23) (0.08) (0.07)
Capex/Sh
10.65 3.67 14.37 1.03 1.52 1.57 2.18 0.59 1.21 1.33
Free CF/Sh
16.19 15.97 16.12 16.60 17.05 17.38 18.16 18.72 19.14 19.67
Book Value/Sh
8 8 7 7 7 7 7 7 7 6
Shares
29.62 66.34 36.42 13.15 17.10 12.16 10.54 11.59 16.49 16.54
PE Ratio
2.08 2.25 2.83 2.13 3.24 2.78 1.82 1.45 1.73 1.85
PS Ratio
1.19 1.20 1.33 0.81 1.01 0.85 0.70 0.66 0.81 0.87
PB Ratio
2.81 3.53 3.36 2.66 4.01 4.34 5.20 4.64 4.39 3.66
EV/Sales
2.44 8.23 1.78 16.20 14.07 14.74 16.70 66.52 32.38 25.56
EV/FCF
83 28 107 8 12 12 16 6 9 9
Op' Cash Flow
1 0 0 0 0 0 (1) (2) (1) 0
Capex
84 28 108 8 11 12 16 4 8 9
FCF
151 117 91 110 (31) (7) 179 205 199 161
Working Cap'
126 126 101 141 101 85 235 239 213 157
Total Debt
53 83 30 25 31 62 169 187 160 108
Net Debt
128 120 121 124 127 129 130 130 129 126
Sh' Equity
0.44% 0.18% 0.39% 0.68% 0.64% 0.77% 0.68% 0.56% 0.50% 0.54%
ROA
3.03% 1.70% 2.45% 4.57% 4.03% 4.22% 2.60% 2.05% 1.92% 2.57%
ROIC
3.98% 1.71% 3.66% 6.29% 6.02% 7.11% 6.65% 5.66% 4.84% 5.22%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Provident Financial Holdings, Inc. (PROV) key facts

  • Provident Financial Holdings, Inc. (PROV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Provident Financial Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $59.6 million, down 0.90% from fiscal 2025.
  • Net income was $6.7 million, or $1.04 per share (basic), a net margin of 11.2%.
  • As of September 25, 2026, PROV traded at $18.42, a market capitalization of $114.5 million.
  • At that price the stock trades at 17.7× trailing-twelve-month earnings and 2.0× sales.
  • Provident Financial Holdings, Inc. pays an annual dividend of $0.56 per share, a yield of 3.92%, with a payout ratio of 47.1%.
  • Return on equity was 5.22% and debt-to-equity 1.24.

Source: company filings (standardised) and stockrow calculations.

Provident Financial Holdings, Inc. (PROV) Latest News

News by impact score

Fine-tune

5 Aug

3 transcript

Provident Financial Holdings Inc (PROV) Q4 2026 earnings call highlighted net interest margin performance and related metrics. Earnings call focus on net interest margin signals moderate effects on financial performance outlook.

29 Jul

3

Provident Financial Holdings reported Q4 earnings call highlights covering financial results, operational updates and outlook. Quarterly earnings data can influence near-term stock sentiment and valuation but rarely shift long-term company trajectory.

3 transcript

Provident Financial Holdings reported Q4 2026 results in its earnings call, covering revenue, net income, loan volumes, deposit trends, net interest margin, credit quality metrics and management outlook. Quarterly earnings updates supply performance data that moderately shifts near-term investor sentiment and valuation.

20 Jul

3

Provident Financial Holdings, Inc. (PROV) anticipates earnings growth, prompting assessment of whether the stock is a buy. Expected earnings growth carries moderately noticeable influence on PROV valuation and investor sentiment but lacks transformative details.

29 Apr

4

Provident Financial Holdings, Inc. (PROV) released Q3 earnings call highlights, covering financial results, operational updates, and forward guidance. Q3 earnings highlights reveal financial performance and strategic outlook, significantly impacting stock valuation and investor confidence.

28 Apr

3

Provident Financial Holdings, Inc. (PROV) reported third quarter fiscal 2026 results. Quarterly earnings disclosure affects financial performance and market sentiment moderately.

28 Jan

4 transcript

Provident Financial Holdings, Inc. (PROV) reported strong loan growth in its Q2 2026 earnings call, highlighting increased demand for its lending products and improved financial performance. The company emphasized its strategic initiatives aimed at enhancing customer service and expanding its market presence. Management expressed optimism about future growth prospects, driven by a robust economic environment and effective risk management practices. Strong loan growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

3 transcript

Provident Financial Holdings, Inc. reported its Q2 earnings, highlighting key financial metrics and operational updates. The company showcased growth in loan originations and improvements in net interest margins. Management discussed strategic initiatives aimed at enhancing customer experience and expanding market reach. The earnings call also addressed challenges faced in the current economic environment, including interest rate fluctuations and competitive pressures. Overall, the outlook remains cautiously optimistic as the company navigates these dynamics. The earnings call revealed moderate growth and strategic initiatives that may influence financial performance but are balanced by external challenges.

3

Provident Bank has been recognized as one of America’s Best Regional Banks for 2026 by Newsweek, highlighting its commitment to customer service and community engagement. This accolade reflects the bank's strong performance and reputation in the financial sector, contributing to its growth and customer loyalty. Recognition as a top regional bank can enhance customer trust and potentially attract new clients, positively influencing financial performance.

27 Jan

4

Provident Financial Holdings, Inc. (PROV) reported its fiscal Q2 earnings, showcasing a notable increase in net income and total assets. The company highlighted improvements in loan origination and deposit growth, contributing to a stronger financial position. Additionally, management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. Overall, the results reflect a positive trend in the company's financial health and operational performance. Significant improvements in net income and asset growth indicate a strong potential for future performance and investor sentiment.

3

Provident Financial Holdings, Inc. (PROV) reported its financial results for the second quarter of fiscal 2026, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced an increase in total assets and deposits, reflecting strong operational performance. Management expressed optimism about future growth and strategic initiatives aimed at enhancing shareholder value. The reported financial results indicate moderate growth and operational stability, which may influence investor sentiment and market performance.

22 Jan

3

Provident Financial Holdings, Inc. (PROV) has announced a new stock repurchase plan, allowing the company to buy back up to 1 million shares of its common stock. This initiative aims to enhance shareholder value and reflects the company's confidence in its financial position. The repurchase program is set to be executed in accordance with market conditions and applicable regulations. The stock repurchase plan is expected to moderately influence investor sentiment and financial performance.

3

Provident Financial Holdings, Inc. (PROV) has declared a quarterly cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

4 Nov

3 transcript

Provident Financial Holdings, Inc. (PROV) reported its Q1 2026 earnings, highlighting strategies to navigate loan growth amidst a challenging economic environment. The company emphasized its focus on maintaining asset quality while expanding its lending portfolio. Management discussed the impact of interest rate fluctuations and competitive pressures on their operations, outlining plans to enhance customer engagement and streamline processes. Overall, the earnings call reflected a cautious yet optimistic outlook for the upcoming quarters. The company's strategies to manage loan growth and asset quality are expected to moderately influence its financial performance.

30 Oct

3

Provident Financial Holdings, Inc. (PROV) is facing challenges due to a decline in margins, which raises concerns about its premium valuation and dividend sustainability. The company's financial performance may be adversely affected, leading to potential shifts in investor sentiment as the market evaluates its ability to maintain profitability and shareholder returns. Margin decline is expected to moderately influence financial performance and investor sentiment.

28 Oct

3

Institutional investors hold a significant 46% stake in Provident Financial Holdings, Inc. (NASDAQ:PROV), indicating strong institutional interest and potential influence on the company's governance and strategic decisions. The substantial institutional ownership may moderately influence the company's financial performance and market sentiment.

3

Provident Financial Holdings, Inc. (PROV) reported its Q1 earnings, highlighting key metrics that were compared against analysts' estimates. The results showed variations in revenue and net income, with specific attention to loan growth and asset quality. The performance indicators suggest a stable financial position, although market reactions may vary based on broader economic conditions. Earnings results indicate moderate influence on financial performance and market sentiment.

3

Provident Financial Holdings, Inc. (PROV) reported disappointing Q1 earnings and revenue, falling short of analysts' expectations. The company's earnings per share and total revenue figures were below forecasts, raising concerns about its financial performance and market position. This underperformance may impact investor sentiment and future growth prospects. Earnings and revenue misses can moderately influence financial performance and investor confidence.

3

Provident Financial Holdings, Inc. (PROV) reported its fiscal Q1 earnings, highlighting a net income of $1.2 million, or $0.12 per share, compared to $1.1 million, or $0.11 per share, in the same quarter last year. The company's total assets increased to $1.1 billion, driven by growth in loans and deposits. Non-performing assets remained stable, indicating effective asset management. The bank's focus on community lending and strategic growth initiatives contributed to its positive performance, despite challenges in the broader economic environment. Earnings growth and asset stability indicate moderate influence on financial performance.

3

Provident Financial Holdings, Inc. (PROV) reported its financial results for the first quarter of fiscal 2026, highlighting key metrics such as net income, total assets, and loan growth. The company experienced an increase in net interest income and a reduction in non-performing loans, indicating improved financial health. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The financial results indicate moderate improvements in key metrics, which may positively influence market sentiment and operational aspects.

9 Sep

3

Provident Financial Holdings, Inc. (NASDAQ:PROV) has delivered notable returns of 53% to its investors over the past five years, reflecting the company's strong performance and growth in the financial sector. This increase highlights the effectiveness of its strategies and market positioning, contributing positively to investor sentiment. The significant return over five years indicates a moderately noticeable influence on investor sentiment and financial performance.

30 Jul

3

Provident Financial Holdings, Inc. (PROV) reported its full-year earnings for 2025, which fell short of market expectations. The company's financial performance was impacted by various factors, leading to a decline in investor confidence. Analysts had anticipated stronger results, but the actual figures revealed challenges that may affect future growth prospects. Earnings miss indicates potential challenges in financial performance and investor sentiment.

3 transcript

Provident Financial Holdings, Inc. (PROV) reported its Q4 2025 earnings, highlighting challenges in navigating loan demand and interest rate fluctuations. The company emphasized its strategic focus on enhancing customer relationships and optimizing its loan portfolio. Management discussed efforts to improve operational efficiency and maintain financial stability amid a competitive landscape. Future growth strategies were outlined, aiming to adapt to changing market conditions and customer needs. The earnings call indicates moderate influences on financial performance and strategic positioning due to market challenges and operational adjustments.

28 Jul

3

Provident Financial Holdings, Inc. (PROV) reported its Q4 earnings, revealing key metrics that were compared against analysts' estimates. The results highlighted various financial performance indicators, including revenue and net income figures, which showed a mixed performance relative to expectations. The company also provided insights into its operational strategies and market positioning moving forward. The earnings report indicates moderate influences on financial performance and market sentiment but does not suggest a fundamental shift in the company's trajectory.

3

Provident Financial (PROV) reported Q4 earnings of $0.24 per share, missing the Zacks Consensus Estimate of $0.29, and revenues of $9.76 million, also below expectations. This marks a -17.24% earnings surprise and a decline from $0.28 per share a year ago. The company has surpassed EPS estimates twice in the last four quarters but has only topped revenue estimates once. Provident shares have decreased by 2.6% year-to-date, contrasting with the S&P 500's 8.6% gain. The current Zacks Rank for the stock is #3 (Hold), indicating expected performance in line with the market. Future earnings outlook remains uncertain, with consensus estimates of $0.30 EPS and $10.6 million in revenues for the next quarter. Earnings and revenue misses indicate potential challenges in financial performance, but the overall impact is expected to be somewhat limited.

3

Provident Financial Holdings, Inc. (PROV) reported its fiscal Q4 earnings, highlighting key financial metrics and performance indicators. The results reflect the company's operational efficiency and market positioning, providing insights into its future outlook. Investors are keenly observing these developments as they may influence stock performance and strategic decisions moving forward. Earnings results indicate moderate influence on financial performance and market sentiment.

3

Provident Financial Holdings, Inc. reported a net income of $1.63 million for the fourth quarter of fiscal year 2025, a decrease of 12% from the previous quarter and 17% from the same quarter last year. The decline was primarily due to a decrease in non-interest income and an increase in non-interest expenses, despite an increase in net interest income and credit loss recoveries. The company's net interest margin improved to 2.94%, and non-performing assets decreased significantly. Provident Financial Holdings continues to repurchase shares and maintain a consistent dividend, with optimism for fiscal 2026 due to stable economic conditions and potential yield curve improvements. The financial results indicate moderate challenges and improvements that may affect Provident Financial Holdings' performance but are balanced by positive outlooks and strategic actions.

11 Jul

3

Provident Financial Holdings, Inc. has a market cap of $103.75 million and operates as the holding company for Provident Savings Bank, F.S.B. It offers a stable dividend history with a yield of 3.52% and a payout ratio of 57.7%. Recent inclusion in multiple Russell indices may enhance visibility, while leadership changes and share buybacks indicate strategic adjustments. However, future dividend coverage remains uncertain due to insufficient data. Recent strategic adjustments and market visibility could moderately influence future performance.

6 Jun

3

As the S&P 500 reaches 6,000 points, investors are focusing on dividend stocks for steady income. Among the highlighted stocks, Provident Financial Holdings, Inc. has a dividend yield of 3.7% and a stable payout history, despite a lower yield compared to top-tier payers. The company reported growth in net interest income and net income for Q3 2025, although nine-month earnings were slightly lower than the previous year. Its payout ratio stands at 57.7%, indicating reliable earnings coverage. Recent valuation reports suggest that its share price may be overly optimistic. Recent financial performance shows growth in net income, but overall earnings are slightly down, indicating a balanced impact on future performance.

12 May

3

Provident Financial Holdings, Inc. announced the appointment of Peter C. Fan as Senior Vice President, Chief Financial Officer, and Corporate Secretary, effective May 12, 2025. Fan previously held senior finance roles at Royal Business Bank and Pacific Western Bank. CEO Donavon P. Ternes welcomed Fan, highlighting his extensive financial leadership experience. Fan holds an MBA from UCLA and a Bachelor of Science in Accounting from USC, and is a Certified Public Accountant in California (Inactive). Provident, with over $1.3 billion in assets and 13 retail banking centers, has been serving Riverside County since 1956. The appointment of a new CFO may moderately influence the company's financial performance and strategic direction.

stockrow.com/PROV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com