Pricing Log in Create free account
Saturday 17 October 2026 Export PROV’s income statement to Excel — free account

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. In the quarter to June 2026, revenue grew 1.58%, EPS grew 40.0%, free cash flow grew 52.7% and total debt fell 26.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.

18.11 0.00 0.00%
Market cap
$112.9M
P/E
17.4×
Fwd P/E
13.1×
Dividend yield
3.09%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.21
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 — — — — — — 4 — — — —
Insider Ownership 23.78%

Capital & Financial Ratios $m

Market Cap 112.90
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 17.41
Fwd P/E 13.10
P/S ratio 1.95
P/B ratio 0.92
Past 5Y EPS Growth 0.59%
This Y EPS Growth 30.58% (at or above 15%: strong)
Next Y EPS Growth (5.58%) (below 0%: weak)
Next Y revenue growth (30.55%) (below 0%: weak)
Next 5Y EPS Growth 5.11%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 52.78%
10-year low 10-year high
P/S against its own 10 years 37.34%
10-year low 10-year high
P/B against its own 10 years 47.92%
10-year low 10-year high

Dividends

Payout Ratio 0.54
Annual Dividend Rate 0.56
Annual Dividend Yield 3.09%
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 special payouts not included in total or ratios

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%)

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.

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

Ten years at a glance Fiscal years to June

Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 2027e 2028e 2029e
Price, $
Price, $ Low 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
High 20.35 19.78 22.99 22.84 18.48 17.37 14.98 16.70 16.36 18.99
People
People Employees 464 376 187 178 161 179 161 160 185 179
Revenue/emp, $m 0.16 0.17 0.30 0.26 0.25 0.22 0.31 0.37 0.33 0.33
Income, $m
Income, $m Revenue 73 65 57 47 40 39 50 59 60 60
Gross margin, % 90.88 90.08 89.09 87.11 88.53 92.05 82.01 66.24 64.83 67.19
EBT 9 6 6 11 10 13 12 10 9 10
EBT margin, % 12.04 8.55 10.41 23.21 25.61 32.60 24.80 17.70 14.75 16.16
Net income 5 2 4 8 8 9 9 7 6 7
Depreciation 3 3 3 3 6 5 3 3 3 4
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
Earnings 0.66 0.28 0.59 1.03 1.01 1.23 1.20 1.06 0.93 1.04
Cash flow 10.54 3.71 14.31 1.07 1.55 1.59 2.29 0.82 1.29 1.40
Capex 0.12 (0.04) 0.06 (0.03) (0.03) (0.02) (0.10) (0.23) (0.08) (0.07)
Free cash flow 10.65 3.67 14.37 1.03 1.52 1.57 2.18 0.59 1.21 1.33
Book value 16.19 15.97 16.12 16.60 17.05 17.38 18.16 18.72 19.14 19.67
Shares, m 8 8 7 7 7 7 7 7 7 6
Valuation, ×
Valuation, × P/E 29.62 66.34 36.42 13.15 17.10 12.16 10.54 11.59 16.49 16.54
P/S 2.08 2.25 2.83 2.13 3.24 2.78 1.82 1.45 1.73 1.85
P/B 1.19 1.20 1.33 0.81 1.01 0.85 0.70 0.66 0.81 0.87
EV/Sales 2.81 3.53 3.36 2.66 4.01 4.34 5.20 4.64 4.39 3.66
EV/FCF 2.44 8.23 1.78 16.20 14.07 14.74 16.70 66.52 32.38 25.56
Cash, $m
Cash, $m Operating cash flow 83 28 107 8 12 12 16 6 9 9
Capex 1 0 0 0 0 0 (1) (2) (1) 0
Free cash flow 84 28 108 8 11 12 16 4 8 9
Balance, $m
Balance, $m Working capital 151 117 91 110 (31) (7) 179 205 199 161
Total debt 126 126 101 141 101 85 235 239 213 157
Net debt 53 83 30 25 31 62 169 187 160 108
Shareholders’ equity 128 120 121 124 127 129 130 130 129 126
Returns, %
Returns, % ROA 0.44 0.18 0.39 0.68 0.64 0.77 0.68 0.56 0.50 0.54
ROIC 3.03 1.70 2.45 4.57 4.03 4.22 2.60 2.05 1.92 2.57
ROE 3.98 1.71 3.66 6.29 6.02 7.11 6.65 5.66 4.84 5.22
Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Charts ten years each

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
RVSB Riverview Bancorp Inc $119.1M — (loss-making) 17.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $116.5M 43.4× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
WSBK Winchester Bancorp, Inc. $116.0M 26.4× — +16.83% (above 0%: growing) — −44.14% (below 0%: shrinking) 52.64% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $113.0M 5.6× 6.5× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.9M 17.4× 13.1× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00%
UNB Union Bankshares, Inc. $112.6M 8.8× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $111.8M 13.9× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
BYFC Broadway Financial Corporation $107.2M — (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. $106.5M — (loss-making) — +9.22% (above 0%: growing) n/m +155.06% (above 0%: growing) 60.96% 0.00% Compare
Median of peers $112.8M 13.9× 17.7× +8.85% +29.03% +99.73% 62.38% 0.00%

All 323 Banks Regional stocks →

Provident Financial Holdings, Inc. (PROV) key facts

  • Concern: Provident Financial Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $59.6 million, down 0.90% from fiscal 2025.
  • Strength: Net income was $6.7 million, or $1.04 per share (basic), a net margin of 11.2%.
  • Provident Financial Holdings, Inc. (PROV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, PROV traded at $18.11, a market capitalization of $112.9 million.
  • At that price the stock trades at 17.4× trailing-twelve-month earnings and 1.9× sales; its P/E is higher than 53% of its own readings over the past ten years.
  • Provident Financial Holdings, Inc. pays an annual dividend of $0.56 per share, a yield of 3.09%, with a payout ratio of 54.4%.
  • Return on equity was 5.22% and debt-to-equity 1.24.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.

Provident Financial Holdings, Inc. (PROV) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/PROV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com