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Provident Financial Holdings, Inc.

PROV Financial Banks Regional

Provident Financial Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $59.6 million, down 0.90% from fiscal 2025.

Revenue
+1.58%
EPS
+40.0%
Free cash flow
+52.7%
Total debt
−26.3%

Quarter to June 2026, against a year earlier

18.12 0.07 −0.38%
Market cap
$112.7M
P/E
17.5×
Fwd P/E
14.9×
Dividend yield
3.08%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.13
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — 4 — — — — —
Insider Ownership 24.25%

Capital & Financial Ratios $m

Size
Market Cap 112.74
Revenue ttm 59.62
Net income ttm 6.66
Free cash flow ttm 8.54
Net debt Q 107.84
Valuation
P/E 17.46
Forward P/E 14.90
Price / sales 1.95
Forward P/S Powerpack
Price / FCF 13.65
Price / book 0.92
Financial health
Current ratio Q 1.17
Debt / equity Q 1.24
Interest coverage Q —
Growth
Revenue growth Q +1.58% (above 0%: growing)
Operating income growth Q +27.49% (above 0%: growing)
EPS, this year +31.55% (at or above 15%: strong)
EPS, next year A +4.80%
Revenue, next year A −30.55% (below 0%: weak)
EPS, past 5 yrs +0.59%
EPS, next 5 yrs A +5.11%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 53.03%
10-year low 10-year high
P/S against its own 10 years 38.10%
10-year low 10-year high
P/B against its own 10 years 48.00%
10-year low 10-year high

Dividends

Yield
3.08%
Annual rate
0.56
Payout ratio
54.4%
Growth, 2018–26
0.00%/yr
  1. 0.56 ’18
  2. 0.56 ’19 +0
  3. 0.56 ’20 +0
  4. 0.56 ’21 +0
  5. 0.56 ’22 +0
  6. 0.56 ’23 +0
  7. 0.56 ’24 +0
  8. 0.56 ’25 +0
  9. 0.56 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

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

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%)

Earnings Trends EPS, adjusted, against the consensus

Q1 FY27 Estimate 0.32 Actual 0.25

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY26 0.30 0.22 Miss by 0.08
Q3 FY26 0.29 0.21 Miss by 0.08
Q4 FY26 0.28 0.35 Beat by 0.07
Q1 FY27 0.32 0.25 Miss by 0.07
Q2 FY27 0.31 — Reports 26 January 2027

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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 73 65 57 47 40 39 50 59 60 60 (2.3%) 41 42 — (16.6%)
Gross margin, % 90.88 90.08 89.09 87.11 88.53 92.05 82.01 66.24 64.83 67.19 (23.7) pt
EBT 9 6 6 11 10 13 12 10 9 10 +1.0%
EBT margin, % 12.04 8.55 10.41 23.21 25.61 32.60 24.80 17.70 14.75 16.16 +4.1 pt
Net income 5 2 4 8 8 9 9 7 6 7 +2.8%
Per share, $
Per share, $ Revenue 9.25 8.57 7.60 6.29 5.33 5.33 7.01 8.45 8.96 9.29 +0.1%
Earnings 0.66 0.28 0.59 1.03 1.01 1.23 1.20 1.06 0.93 1.04 +5.2%
Cash flow 10.54 3.71 14.31 1.07 1.55 1.59 2.29 0.82 1.29 1.40 (20.1%)
Capex 0.12 (0.04) 0.06 (0.03) (0.03) (0.02) (0.10) (0.23) (0.08) (0.07) n/m
Free cash flow 10.65 3.67 14.37 1.03 1.52 1.57 2.18 0.59 1.21 1.33 (20.6%)
Book value 16.19 15.97 16.12 16.60 17.05 17.38 18.16 18.72 19.14 19.67 +2.2%
Shares, m 8 8 7 7 7 7 7 7 7 6 (2.3%)
Valuation, ×
Valuation, × P/E 29.62 66.34 36.42 13.15 17.10 12.16 10.54 11.59 16.49 16.54 23.0
P/S 2.08 2.25 2.83 2.13 3.24 2.78 1.82 1.45 1.73 1.85 2.2
P/B 1.19 1.20 1.33 0.81 1.01 0.85 0.70 0.66 0.81 0.87 0.9
EV/Sales 2.81 3.53 3.36 2.66 4.01 4.34 5.20 4.64 4.39 3.66 3.9
EV/FCF 2.44 8.23 1.78 16.20 14.07 14.74 16.70 66.52 32.38 25.56 19.9
Cash, $m
Cash, $m Operating cash flow 83 28 107 8 12 12 16 6 9 9 (21.9%)
Capex 1 0 0 0 0 0 (1) (2) (1) 0 n/m
Free cash flow 84 28 108 8 11 12 16 4 8 9 (22.5%)
Balance, $m
Balance, $m Working capital 151 117 91 110 (31) (7) 179 205 199 161 +0.7%
Net debt 53 83 30 25 31 62 169 187 160 108 +8.1%
Shareholders’ equity 128 120 121 124 127 129 130 130 129 126 (0.2%)
Returns, %
Returns, % ROA 0.44 0.18 0.39 0.68 0.64 0.77 0.68 0.56 0.50 0.54 +0.1 pt
ROIC 3.03 1.70 2.45 4.57 4.03 4.22 2.60 2.05 1.92 2.57 (0.5) pt
ROE 3.98 1.71 3.66 6.29 6.02 7.11 6.65 5.66 4.84 5.22 +1.2 pt
People
People Employees 464 376 187 178 161 179 161 160 185 179 (10.0%)
Revenue/emp, $m 0.16 0.17 0.30 0.26 0.25 0.22 0.31 0.37 0.33 0.33 +8.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Provident Financial Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSBK Bogota Financial Corporation $119.9M 44.8× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00%
UNB Union Bankshares, Inc. $112.5M 8.6× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.5× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $109.2M 12.0× 10.9× +8.85% +25.77% +46.04% 62.78% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 October 2026

Ownership

Directors and executive officers, together 10.90%
Provident Savings Bank, F.S.B. Employee Stock Ownership Plan Trust 9.85%
Dimensional Fund Advisors LP 8.03%
Raffles Associates, L.P. 6.31%
Fourthstone LLC 5.68%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Provident Financial Holdings, Inc. (PROV) Latest News

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