Want to see PROV full AI Analyst Report?
PROV Stock Chart & Stats
$18.34
<$0.01(0.06%)
At close: 4:00 PM EDT
$18.34
<$0.01(0.06%)
Day’s Range― - ―
52-Week Range$14.95 - $18.99
Previous Close$17.22
Volume4.91K
Average Volume (3M)17.16K
Market Cap
$113.83M
Enterprise Value$218.88M
Total Cash (Recent Filing)$49.21M
Total Debt (Recent Filing)$157.05M
Price to Earnings (P/E)17.8
Beta0.39
Next Earnings
Oct 27, 2026EPS Estimate
0.32Next Dividend Ex-DateN/A
Dividend Yield3.07%
Share Statistics
EPS (TTM)1.03
Shares Outstanding6,233,958
10 Day Avg. Volume14,484
30 Day Avg. Volume17,158
Financial Highlights & Ratios
PEG Ratio1.40
Price to Book (P/B)0.87
Price to Sales (P/S)1.84
P/FCF Ratio12.83
Enterprise Value/Market Cap1.92
Enterprise Value/Revenue3.67
Enterprise Value/Gross Profit5.39
Enterprise Value/Ebitda17.32
Forecast
1Y Price Target
$18.00Price Target Upside-1.85% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.26
Revenue Forecast (FY)$39.50M
Bulls Say, Bears Say
Bulls Say
Improving Net Interest MarginHigher loan production yields and scheduled repricing provide a tangible path to sustain or improve net interest income. This gives the bank an earnings-supporting asset-yield catalyst over the next several quarters, although funding costs remain important.
Strong Asset Quality And CapitalizationVery low nonperforming assets, no early-stage delinquencies, and substantial capital cushions reduce the risk that credit losses disrupt earnings or constrain lending. This strengthens resilience and supports continued balance-sheet management through changing conditions.
Reliable Cash GenerationConsistent positive free cash flow and one-to-one conversion with net income indicate that reported profitability is supported by cash generation. That provides flexibility for dividends, repurchases, loan growth, and ongoing investment while reinforcing financial durability.
Bears Say
Sustained Margin CompressionThe sharp decline in net and operating margins shows that revenue growth has not translated proportionally into earnings. Unless loan-yield gains outweigh expense, credit, and funding pressures, the lower profitability base could limit earnings growth over the medium term.
Higher Leverage Than Earlier YearsLeverage remains materially above earlier levels despite improving from its peak, while equity has stayed broadly stable. This reduces financial flexibility relative to the prior balance-sheet structure and can make future funding costs more consequential for returns.
Funding-cost And Loan-growth PressureModest balance-sheet expansion limits the volume contribution to future earnings, while competitive deposits and wholesale maturities threaten to raise funding costs. Together, these pressures could offset higher loan yields and restrain net interest margin improvement.
Provident Financial Holdings News
PROV FAQ
What was Provident Financial Holdings, Inc’s price range in the past 12 months?
Provident Financial Holdings, Inc lowest stock price was $14.95 and its highest was $18.99 in the past 12 months.
What is Provident Financial Holdings, Inc’s market cap?
Provident Financial Holdings, Inc’s market cap is $113.83M.
When is Provident Financial Holdings, Inc’s upcoming earnings report date?
Provident Financial Holdings, Inc’s upcoming earnings report date is Oct 27, 2026 which is in 16 days.
How were Provident Financial Holdings, Inc’s earnings last quarter?
Provident Financial Holdings, Inc released its earnings results on Jul 28, 2026. The company reported $0.35 earnings per share for the quarter, beating the consensus estimate of $0.29 by $0.06.
Is Provident Financial Holdings, Inc overvalued?
According to Wall Street analysts Provident Financial Holdings, Inc’s price is currently Overvalued.
Does Provident Financial Holdings, Inc pay dividends?
Provident Financial Holdings, Inc pays a Quarterly dividend of $0.14 which represents an annual dividend yield of 3.07%. See more information on Provident Financial Holdings, Inc dividends here
What is Provident Financial Holdings, Inc’s EPS estimate?
Provident Financial Holdings, Inc’s EPS estimate is 0.32.
How many shares outstanding does Provident Financial Holdings, Inc have?
Provident Financial Holdings, Inc has 6,233,958 shares outstanding.
What happened to Provident Financial Holdings, Inc’s price movement after its last earnings report?
Provident Financial Holdings, Inc reported an EPS of $0.35 in its last earnings report, beating expectations of $0.29. Following the earnings report the stock price went up 1.974%.
Which hedge fund is a major shareholder of Provident Financial Holdings, Inc?
Currently, no hedge funds are holding shares in PROV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Provident Financial Holdings Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$18.00 (-1.85% Downside)
$18.00 (-1.85% Downside)
Blogger Sentiment
Neutral
PROV Sentiment 50%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 45.5K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.76%
12-Months-Change
Fundamentals
Return on Equity
5.23%
Trailing 12-Months
Asset Growth
-3.00%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Provident Financial Holdings, Inc
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
PROV Company Deck
PROV Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a broadly positive operating and financial picture: net interest margin expanded, loan yields and originations rose, asset quality strengthened (nonperforming assets declined and no early delinquencies), and the franchise remains well-capitalized with active capital returns. Offsetting risks include modest absolute loan growth, competitive deposit costs and upcoming wholesale funding repricing that may pressure funding costs, and some volatility from prepayment-related amortization. On balance the positives (margin expansion, improving yields, strong credit metrics, and capital actions) outweigh the headwinds.View all PROV earnings summariesPROV Stock 12 Month Forecast
Average Price Target
$18.00
▼(-1.85% Downside)
Technical Analysis
Auburn National Bancorporation
―
Magyar Bancorp
―
Pathfinder Bancorp
―
Riverview Bancorp
―
Union Bankshares
―
Ownership Overview
9.86% Insiders
21.45% Mutual Funds
17.17% Other Institutional Investors
40.18% Public Companies and
Individual Investors