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Provident Financial Holdings, Inc. (PROV)

NASDAQ: PROV · USD

$18.3

+0.06 (+0.3%)· Recorded snapshot

Market cap	113.1M
Revenue (ttm)	40.6M
Net income (ttm)	6.7M
EPS (ttm)	$1.03
Shares out	6.2M
P/E (trailing)	17.7x
P/E (forward)	13.5x
Dividend	$0.56 (3.07%)
Volume	26,437
Beta	0.31

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35.9B	9.0x	1.9x	15.9%	+15.1%	+28.1%	Compra fuerte
AIG	American International Group Inc.	42.7B	13.0x	1.5x	7.9%	-10.3%	+5.5%	Compra fuerte
AIZ	Assurant, Inc.	15.3B	14.6x	1.1x	14.4%	+6.5%	+49.1%	Mantener

Metric	Value
Amount currency	USD
CIK code	0001010470
Company name	Provident Financial Holdings, Inc.
Country	United States
Country code	US
CUSIP number	743868101
Earnings date	2026-10-27
Earnings time	bmo
Employees	179
Employees change	-6
Employees growth	-3.24%
Enterprise value	$223M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	June
Founded	1956
Industry	Banks - Regional
IPO date	1996-06-28
Is primary listing	Yes
Is SPAC	No
ISIN number	US7438681014
Last 10-K release date	2026-09-02
Last earnings date	2026-10-27
Last refreshed	2026-11-04
Last stock split date	2004-02-03
Last stock split type	Forward
Market cap	$113.1M
Market cap category	Micro-Cap
Next earnings date	2027-01-26
Options	No
Price	$18.25
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-11-04
Symbol	PROV
U.S. state	California
Website	https://www.myprovident.com

Metric

Value

Amount currency

USD

CIK code

0001010470

Company name

Provident Financial Holdings, Inc.

Country

United States

Country code

CUSIP number

743868101

Earnings date

2026-10-27

Earnings time

bmo

Employees

179

Employees change

-6

Employees growth

-3.24%

Enterprise value

$223M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

June

Founded

1956

Industry

Banks - Regional

IPO date

1996-06-28

Is primary listing

Yes

Is SPAC

ISIN number

US7438681014

Last 10-K release date

2026-09-02

Last earnings date

2026-10-27

Last refreshed

2026-11-04

Last stock split date

2004-02-03

Last stock split type

Forward

Market cap

$113.1M

Market cap category

Micro-Cap

Next earnings date

2027-01-26

Options

Price

$18.25

Price currency

USD

Sector

Financials

SIC code

6035

Stock price date

2026-11-04

Symbol

PROV

U.S. state

California

Website

https://www.myprovident.com

Metric	Value
Adjusted P/E ratio	17.72x
Average P/E ratio (10Y)	24.05x
Average P/E ratio (3Y)	14.51x
Average P/E ratio (5Y)	13.49x
Earnings yield	5.64%
EV/Earnings	33.47x
EV/FCF	26.09x
EV/Sales	5.49x
FCF / EV yield	3.83%
FCF yield	7.57%
Forward EV/Sales	5.32x
Forward P/E	13.47x
Forward P/S	2.69x
Graham number	21.60961
Graham upside	18.73%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$5.15
Lynch upside	-71.7%
P/B ratio	0.9x
P/E ratio	17.72x
P/FCF ratio	13.21x
P/OCF ratio	12.58x
P/S ratio	2.78x
Price / tangible book value	0.89x
Sector forward P/E	13.72x
Sector P/E	15.79x

Metric

Value

Adjusted P/E ratio

17.72x

Average P/E ratio (10Y)

24.05x

Average P/E ratio (3Y)

14.51x

Average P/E ratio (5Y)

13.49x

Earnings yield

5.64%

EV/Earnings

33.47x

EV/FCF

26.09x

EV/Sales

5.49x

FCF / EV yield

3.83%

FCF yield

7.57%

Forward EV/Sales

5.32x

Forward P/E

13.47x

Forward P/S

2.69x

Graham number

21.60961

Graham upside

18.73%

Industry forward P/E

9.87x

Industry P/E

11.69x

Lynch fair value

$5.15

Lynch upside

-71.7%

P/B ratio

0.9x

P/E ratio

17.72x

P/FCF ratio

13.21x

P/OCF ratio

12.58x

P/S ratio

2.78x

Price / tangible book value

0.89x

Sector forward P/E

13.72x

Sector P/E

15.79x

Metric	Value
Effective tax rate	30.94%
FCF margin	21.03%
Operating margin	25.36%
Pretax margin	23.73%
Profit margin	16.39%
Profit per employee	$37,179
Profitable quarters	29
Profitable years	17
Revenue per employee	$226,855
ROA	0.54%
ROA (5Y)	0.61%
ROE	5.22%
ROE (5Y)	5.9%
SBC / revenue	1.48%
Tax / revenue	7.34%

Metric

Value

Effective tax rate

30.94%

FCF margin

21.03%

Operating margin

25.36%

Pretax margin

23.73%

Profit margin

16.39%

Profit per employee

$37,179

Profitable quarters

Profitable years

Revenue per employee

$226,855

ROA

0.54%

ROA (5Y)

0.61%

ROE

5.22%

ROE (5Y)

5.9%

SBC / revenue

1.48%

Tax / revenue

7.34%

Metric	Value
EPS growth	10.75%
EPS growth (Q)	41.61%
EPS growth (QoQ)	66.01%
EPS growth 10Y	1.59%
EPS growth 3Y	-4.7%
EPS growth 5Y	0.59%
EPS growth quarters	1
EPS growth years	1
FCF growth	4.7%
FCF growth (Q)	52.7%
FCF growth (QoQ)	89.63%
FCF growth 3Y	-18.17%
FCF growth 5Y	-5.53%
Net income growth	6.4%
Net income growth (Q)	34.32%
Net income growth (QoQ)	61.3%
Net income growth 3Y	-8.16%
Net income growth 5Y	-2.52%
Net income growth quarters	1
Net income growth years	1
OCF growth	3.28%
OCF growth (Q)	35.69%
OCF growth (QoQ)	78.04%
OCF growth 10Y	-15.4%
OCF growth 3Y	-18.09%
OCF growth 5Y	-4.97%
Revenue growth	2.37%
Revenue growth (Q)	10.34%
Revenue growth (QoQ)	11.93%
Revenue growth 10Y	-5.45%
Revenue growth 3Y	-0.06%
Revenue growth 5Y	2.48%
Revenue growth quarters	1
Revenue growth years	2

Metric

Value

EPS growth

10.75%

EPS growth (Q)

41.61%

EPS growth (QoQ)

66.01%

EPS growth 10Y

1.59%

EPS growth 3Y

-4.7%

EPS growth 5Y

0.59%

EPS growth quarters

EPS growth years

FCF growth

4.7%

FCF growth (Q)

52.7%

FCF growth (QoQ)

89.63%

FCF growth 3Y

-18.17%

FCF growth 5Y

-5.53%

Net income growth

6.4%

Net income growth (Q)

34.32%

Net income growth (QoQ)

61.3%

Net income growth 3Y

-8.16%

Net income growth 5Y

-2.52%

Net income growth quarters

Net income growth years

OCF growth

3.28%

OCF growth (Q)

35.69%

OCF growth (QoQ)

78.04%

OCF growth 10Y

-15.4%

OCF growth 3Y

-18.09%

OCF growth 5Y

-4.97%

Revenue growth

2.37%

Revenue growth (Q)

10.34%

Revenue growth (QoQ)

11.93%

Revenue growth 10Y

-5.45%

Revenue growth 3Y

-0.06%

Revenue growth 5Y

2.48%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-432,000
EPS	$1.03
FCF per share	$1.38
Financing cash flow	$-44.3M
Free cash flow	$8.5M
Gross profit	$40.6M
Income taxes	$3M
Investing cash flow	$31.5M
Net borrowing	$-56M
Net cash flow	$-3.9M
Net income	$6.7M
Operating income	$10.3M
Revenue	$40.6M
Stock-based compensation	$599,000

Metric

Value

Capital expenditures

$-432,000

EPS

$1.03

FCF per share

$1.38

Financing cash flow

$-44.3M

Free cash flow

$8.5M

Gross profit

$40.6M

Income taxes

$3M

Investing cash flow

$31.5M

Net borrowing

$-56M

Net cash flow

$-3.9M

Net income

$6.7M

Operating income

$10.3M

Revenue

$40.6M

Stock-based compensation

$599,000

Metric	Value
Book value per share	$20.15
Debt / equity	1.26
Debt / FCF	18.64
Net cash (debt)	$-109.9M
Net cash / market cap	-97.46%
Net debt / equity	0.87
Net debt / FCF	12.88
Piotroski F-Score	4
Property, plant and equipment	$9.2M
Shareholders' equity	$126.2M
Tangible book value	$126.2M
Tangible book value per share	$20.15
Total assets	$1.2B
Total cash	$49.2M
Total debt	$159.1M
Total liabilities	$1.1B
WACC	2.48%

Metric

Value

Book value per share

$20.15

Debt / equity

1.26

Debt / FCF

18.64

Net cash (debt)

$-109.9M

Net cash / market cap

-97.46%

Net debt / equity

0.87

Net debt / FCF

12.88

Piotroski F-Score

Property, plant and equipment

$9.2M

Shareholders' equity

$126.2M

Tangible book value

$126.2M

Tangible book value per share

$20.15

Total assets

$1.2B

Total cash

$49.2M

Total debt

$159.1M

Total liabilities

$1.1B

WACC

2.48%

Metric	Value
Working capital	$-968.5M

Metric

Value

Working capital

$-968.5M

Metric	Value
Buyback yield / dilution	4.11%
Dividend growth	0%
Dividend growth (10Y)	1.14%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0%
Dividend growth years	0
Dividend payment date	2026-12-03
Dividend payment years	25
Dividend payout frequency	Quarterly
Dividend per share	$0.56
Dividend yield	3.07%
Ex-dividend date	2026-11-12
FCF payout ratio	40.65%
Last dividend	$0.14
Payout ratio	54.37%
Shareholder yield	7.17%

Metric

Value

Buyback yield / dilution

4.11%

Dividend growth

Dividend growth (10Y)

1.14%

Dividend growth (3Y)

Dividend growth (5Y)

Dividend growth years

Dividend payment date

2026-12-03

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.56

Dividend yield

3.07%

Ex-dividend date

2026-11-12

FCF payout ratio

40.65%

Last dividend

$0.14

Payout ratio

54.37%

Shareholder yield

7.17%

Metric	Value
10Y price change	-4.2%
10Y return CAGR	3.1%
10Y total return	35.69%
150-day SMA	$17.62
15Y price change	99.56%
15Y return CAGR	8.01%
15Y total return	217.61%
1D price change	0.33%
1M price change	-0.38%
1M total return	-0.38%
1W price change	0.22%
1W total return	0.22%
1Y price change	17.45%
1Y return CAGR	21.5%
1Y total return	21.49%
20-day SMA	$18.19
200-day SMA	$17.24
20Y price change	-38.44%
20Y return CAGR	0.41%
20Y total return	8.62%
3M price change	1.9%
3M total return	2.7%
3Y price change	62.86%
3Y return CAGR	22.19%
3Y total return	82.46%
50-day SMA	$18.34
50-day SMA vs 200-day SMA	50over200
52-week high	$18.99
52-week high date	2026-11-04
52-week low	$14.95
52-week low date	2025-11-24
5Y price change	7.67%
5Y return CAGR	5.43%
5Y total return	30.28%
6M price change	6.36%
6M total return	8.08%
All-time high	$33.15
All-time high date	2006-04-05
All-time low	$2.43
All-time low date	2009-12-18
Average true range (ATR)	$0.20
Average volume	14.6K
Beta (1Y)	0.26
Beta (2Y)	0.39
Beta (5Y)	0.31
Change from 52-week high	-3.9%
Change from 52-week low	22.07%
Change from all-time high	-44.98%
Change from all-time low	650.62%
Change from open	0.16%
Day's gap	0.16%
Dollar volume	$482,475
High price	$18.99
Low price	$18.20
Monthly RSI	68.36
Open price	$18.22
Position in 52-week range	6.33%
Previous close	$18.19
Price vs 150-day SMA	3.55%
Price vs 20-day SMA	0.28%
Price vs 200-day SMA	5.79%
Price vs 50-day SMA	-0.55%
Relative volume	1.81
RSI	51.59
Sharpe ratio	1.33
Sharpe ratio (3Y)	0.7
Sharpe ratio (5Y)	0.16
Sortino ratio	2.67
Sortino ratio (3Y)	1.32
Sortino ratio (5Y)	0.52
Volume	26.4K
Weekly RSI	64.71
YTD price change	14.65%
YTD total return	17.51%

Metric

Value

10Y price change

-4.2%

10Y return CAGR

3.1%

10Y total return

35.69%

150-day SMA

$17.62

15Y price change

99.56%

15Y return CAGR

8.01%

15Y total return

217.61%

1D price change

0.33%

1M price change

-0.38%

1M total return

-0.38%

1W price change

0.22%

1W total return

0.22%

1Y price change

17.45%

1Y return CAGR

21.5%

1Y total return

21.49%

20-day SMA

$18.19

200-day SMA

$17.24

20Y price change

-38.44%

20Y return CAGR

0.41%

20Y total return

8.62%

3M price change

1.9%

3M total return

2.7%

3Y price change

62.86%

3Y return CAGR

22.19%

3Y total return

82.46%

50-day SMA

$18.34

50-day SMA vs 200-day SMA

50over200

52-week high

$18.99

52-week high date

2026-11-04

52-week low

$14.95

52-week low date

2025-11-24

5Y price change

7.67%

5Y return CAGR

5.43%

5Y total return

30.28%

6M price change

6.36%

6M total return

8.08%

All-time high

$33.15

All-time high date

2006-04-05

All-time low

$2.43

All-time low date

2009-12-18

Average true range (ATR)

$0.20

Average volume

14.6K

Beta (1Y)

0.26

Beta (2Y)

0.39

Beta (5Y)

0.31

Change from 52-week high

-3.9%

Change from 52-week low

22.07%

Change from all-time high

-44.98%

Change from all-time low

650.62%

Change from open

0.16%

Day's gap

0.16%

Dollar volume

$482,475

High price

$18.99

Low price

$18.20

Monthly RSI

68.36

Open price

$18.22

Position in 52-week range

6.33%

Previous close

$18.19

Price vs 150-day SMA

3.55%

Price vs 20-day SMA

0.28%

Price vs 200-day SMA

5.79%

Price vs 50-day SMA

-0.55%

Relative volume

1.81

RSI

51.59

Sharpe ratio

1.33

Sharpe ratio (3Y)

0.7

Sharpe ratio (5Y)

0.16

Sortino ratio

2.67

Sortino ratio (3Y)

1.32

Sortino ratio (5Y)

0.52

Volume

26.4K

Weekly RSI

64.71

YTD price change

14.65%

YTD total return

17.51%

Metric	Value
Float	4.3M
Float percentage	69.04%
Shares change (QoQ)	-1.76%
Shares change (YoY)	-4.11%
Shares held by insiders	9.96%
Shares held by institutions	46.81%
Shares outstanding	6.2M
Short % of float	0.51%
Short % of shares	0.35%
Short ratio	1.5 days

Metric

Value

Float

4.3M

Float percentage

69.04%

Shares change (QoQ)

-1.76%

Shares change (YoY)

-4.11%

Shares held by insiders

9.96%

Shares held by institutions

46.81%

Shares outstanding

6.2M

Short % of float

0.51%

Short % of shares

0.35%

Short ratio

1.5 days

Provident Financial Holdings, Inc. (PROV)

Price

Financial snapshot

Fair-value bridge

Latest news · PROV

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PROV indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PROV

Frequently asked questions