Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

PROV stock hub

Provident Financial Holdings, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

107.1M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

PROV

In the news

Latest news · PROV

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E14.5

P25 8.8P50 10.4P75 13.1

Trailing P/E18.4

P25 10.9P50 14.7P75 36.2

ROE4.8

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PROV market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

208

Groups with data

Currency

USD

Showing 208 of 208 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001010470
Company name	Provident Financial Holdings, Inc.
Country	United States
Country code	US
Cusip	743868101
Employees	185
Employees Change	25%
Employees Change Percent	15.63
Enterprise value	$234.1M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	1996-06-28
Isin	US7438681014
Last refreshed	2026-05-10
Market cap	$107.1M
Market cap category	Micro-Cap
Price	$17.13
Price currency	USD
Rev Per Employee	215,372.97x
Sector	Financials
Sic	6035
Symbol	PROV
Website	https://www.myprovident.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	5.69%
EV Earnings	38.39x
EV/Sales	5.87x
Forward P/E	14.52x
P/B ratio	0.86x
P/E ratio	18.41x
P/S ratio	2.69x
PE Ratio10 Y	24.14x
PE Ratio3 Y	14.03x
PE Ratio5 Y	13.54x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$39.8M
Net Income	$6.1M
Net Income Growth	-7.37%
Net Income Growth Q	-27.09%
Net Income Growth Years	0%
Net Income Growth3 Y	-12.96%
Net Income Growth5 Y	0.98%
Pretax Margin	22.59%
Profit Margin	15.3%
Profit Per Employee	$32,957
Profitable Years	16
ROA	0.49
Roa5y	0.63
ROE	4.77
Roe5y	6.06

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	2.84%
Cagr15y	8.35%
Cagr1y	17.3%
Cagr20y	0.02%
Cagr3y	14.4%
Cagr5y	5.13%
Div CAGR10	1.55%
Div CAGR3	0%
Div CAGR5	0%
EPS Growth	-4.11
EPS Growth Q	-24.46
EPS Growth Years	0
EPS Growth3 Y	-9.86
EPS Growth5 Y	3.88
Revenue Growth	-0.16x
Revenue Growth Q	-11.16x
Revenue Growth Years	1x
Revenue Growth3 Y	-0.41x
Revenue Growth5 Y	2.4x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$1.2B
Cash	$57.1M
Debt	$184.1M
Equity	$126.6M
Liabilities	$1.1B
Net Cash	$-126.9M
Net Cash By Market Cap	$-118
Net Debt Equity	$1
Tangible Book Value	$126.6M
Tangible Book Value Per Share	$20.02
WACC	2.23

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-924.1M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	3.76%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$0.56
Dividend Years	25
Dividend Yield	3.27%
Ex Div Date	2026-05-14
Last Dividend	$0.14
Payout Frequency	Quarterly
Payout Ratio	60.17%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	32.37%
1Y total return	17.28%
200-day SMA	15.91
3Y total return	49.72%
50-day SMA	16.56
50-day SMA vs 200-day SMA	50over200
5Y total return	28.43%
All Time High	33.15
All Time High Change	-48.33%
All Time High Date	2006-04-05
All Time Low	2.43
All Time Low Change	604.94%
All Time Low Date	2009-12-18
ATR	0.24
Beta	0.33
Beta1y	0.45
Beta2y	0.37
Ch YTD	7.67
High	17.3
High52	17.42
High52 Date	2026-04-28
High52ch	-1.66%
Low	17.1
Low52	14.85
Low52 Date	2025-05-23
Low52ch	15.35%
Ma50ch	3.43%
Price vs 200-day SMA	7.66%
RSI	62.64
RSI Monthly	64.73
RSI Weekly	68.19
Sharpe ratio	0.79x
Sortino ratio	1.62
Total Return	7.03%
Tr YTD	8.6
Tr15y	232.82%
Tr1m	3.63%
Tr1w	-0.12%
Tr3m	6.26%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Ratings	Hold
Earnings EPS Estimate	$0.31
Earnings EPS Estimate Growth	10.71
Earnings Revenue Estimate	2,000,000x
Earnings Revenue Estimate Growth	-80.97x
Operating Income	$9.9M
Operating margin	24.88
Price target	$16.25
Price Target Change	$-5.14

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	4,297,128%
Float Percent	68.71%
Shares Insiders	9.5%
Shares Institutions	48.94%
Shares Out	6,253,691
Shares Qo Q	-1.29%
Shares Yo Y	-3.76%
Short Float	0.79%
Short Ratio	2.95
Short Shares	0.54

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	7,460.35x
Bv Per Share	20.02
Ch10y	-6.29
Ch15y	111.5
Ch1m	3.63
Ch1w	-0.12
Ch1y	13.14
Ch20y	-42.71
Ch3m	5.35
Ch3y	32.89
Ch5y	6.13
Ch6m	12.62
Change	-0.17%
Change From Open	-0.12
Close	17.16
Days Gap	-0.06
Dollar Volume	236,719.5
Earnings Date	2026-04-28
Earnings Time	bmo
EPS	$0.93
F Score	2
Fiscal Year End	June
Founded	1,956
Graham Number	20.47372
Graham Upside	19.52
Income Tax	$2.9M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Date	2004-02-03
Last Split Type	Forward
Last10k Filing Date	2025-08-29
Lynch Fair Value	$4.65
Lynch Upside	-72.83
Ma150	16.06
Ma150ch	6.66%
Ma20	17.1
Ma20ch	0.16%
Next Earnings Date	2026-07-27
Open	17.15
Optionable	No
Payment Date	2026-06-04
Position In Range	15
Post Close	17.13
Postmarket Change Percent	-1.98
Postmarket Price	$16.79
Ppne	9,551,000
Price Date	2026-05-08
Ptbv Ratio	0.85
Relative Volume	1.85x
Revenue	39,844,000x
Tax By Revenue	7.29x
Tax Rate	32.27%
Tr20y	0.49%
Tr6m	14.64%
Us State	California
Volume	13,819

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PROV dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.3%

$0.56 annual per share

Payout ratio

+60.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

0.0%

0 consecutive years of growth

Total shareholder yield

+7.0%

Next ex-dividend date: 2026-05-14

Performance

PROV stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PROV?

Insider, institutional, and short-interest positioning.

Institutional ownership

+48.9%

Float: +68.7% of shares outstanding

Insider ownership

+9.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

PROV momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

62.6

Neutral momentum band

Price vs 200-day MA

+7.7%

50/200-day relationship not available

Beta (5Y)

0.33

Less volatile than the market

Sharpe ratio

0.79

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

PROV vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About PROV

Hub-level FAQ points readers to the deeper analysis pages.

What is the current PROV stock rating?

Provident Financial Holdings, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full PROV analysis?

The full report lives at /stocks/PROV/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for PROV?

The latest report frames PROV around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the PROV page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.