Provident Financial Holdings, Inc. (PROV)

NASDAQ: PROV · USD

$18.2

+0.02 (+0.1%)· Recorded snapshot

Market cap	112.7M
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)	13.4x
Dividend	$0.56 (3.08%)
Volume	14,690
Beta	0.31

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 40.6M
Net income (ttm): 6.7M
EPS (ttm): $1.03
P/E (trailing): 17.7x
P/E (forward): 13.4x
Market cap: 112.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Zdecydowanie kupuj
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Trzymaj

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/E13.4

P25 n/aP50 n/aP75 n/a

Trailing P/E17.7

P25 n/aP50 n/aP75 n/a

ROE5.2

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PROV indicators

Market & fundamental data

Available fields

248

Groups with data

Currency

USD

Showing 248 of 248 available metrics for this ticker.

Profile and market data

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

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	$222.7M
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	$112.7M
Market cap category	Micro-Cap
Next earnings date	2027-01-26
Options	No
Price	$18.19
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-11-03
Symbol	PROV
U.S. state	California
Website	https://www.myprovident.com

Valuation

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

Metric	Value
Adjusted P/E ratio	17.66x
Average P/E ratio (10Y)	24.05x
Average P/E ratio (3Y)	14.51x
Average P/E ratio (5Y)	13.49x
Earnings yield	5.66%
EV/Earnings	33.46x
EV/FCF	26.08x
EV/Sales	5.48x
FCF / EV yield	3.83%
FCF yield	7.57%
Forward EV/Sales	5.32x
Forward P/E	13.42x
Forward P/S	2.69x
Graham number	21.60961
Graham upside	18.8%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$5.15
Lynch upside	-71.69%
P/B ratio	0.9x
P/E ratio	17.66x
P/FCF ratio	13.2x
P/OCF ratio	12.57x
P/S ratio	2.78x
Price / tangible book value	0.89x
Sector forward P/E	13.72x
Sector P/E	15.79x

Profitability

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

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%

Growth

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

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

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

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	-97.52%
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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-968.5M

Dividends and buybacks

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

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	3.08%
Ex-dividend date	2026-11-12
FCF payout ratio	40.65%
Last dividend	$0.14
Payout ratio	54.37%
Shareholder yield	7.19%

Performance and technicals

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

Metric	Value
10Y price change	-4.16%
10Y return CAGR	3.1%
10Y total return	35.74%
150-day SMA	$17.60
15Y price change	100.77%
15Y return CAGR	8.05%
15Y total return	219.54%
1D price change	0.11%
1M price change	-0.66%
1M total return	-0.66%
1W price change	-0.05%
1W total return	-0.05%
1Y price change	16.01%
1Y return CAGR	20.01%
1Y total return	19.99%
20-day SMA	$18.19
200-day SMA	$17.23
20Y price change	-38.32%
20Y return CAGR	0.42%
20Y total return	8.84%
3M price change	2.42%
3M total return	3.22%
3Y price change	61.69%
3Y return CAGR	21.9%
3Y total return	81.15%
50-day SMA	$18.34
50-day SMA vs 200-day SMA	50over200
52-week high	$18.99
52-week high date	2026-09-04
52-week low	$14.95
52-week low date	2025-11-24
5Y price change	8.66%
5Y return CAGR	5.63%
5Y total return	31.48%
6M price change	6.06%
6M total return	7.78%
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)	$0.15
Average volume	14.1K
Beta (1Y)	0.26
Beta (2Y)	0.39
Beta (5Y)	0.31
Change from 52-week high	-4.21%
Change from 52-week low	21.67%
Change from all-time high	-45.13%
Change from all-time low	648.56%
Change from open	-0.05%
Day's gap	0.17%
Dollar volume	$267,211
High price	$18.20
Low price	$18.13
Monthly RSI	68.07
Open price	$18.20
Position in 52-week range	85.71%
Previous close	$18.17
Price vs 150-day SMA	3.34%
Price vs 20-day SMA	-0.02%
Price vs 200-day SMA	5.57%
Price vs 50-day SMA	-0.83%
Relative volume	1.04
RSI	47.81
Sharpe ratio	1.28
Sharpe ratio (3Y)	0.68
Sharpe ratio (5Y)	0.16
Sortino ratio	2.6
Sortino ratio (3Y)	1.3
Sortino ratio (5Y)	0.51
Volume	14.7K
Weekly RSI	63.71
YTD price change	14.33%
YTD total return	17.19%

Ownership and float

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

Metric	Value
Float	4.3M
Float percentage	69.63%
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	0.5%
Short % of shares	0.35%
Short ratio	1.5 days

Deeper analysis on PROV

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PROV report

Is a complete PROV research report available?

No complete published report is available for Provident Financial Holdings, Inc. (PROV) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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