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Provident Financial Holdings, Inc. PROV FINANCIAL

Financial Services · Banks - Regional · United States
https://www.myprovident.com
Company Profile ↓
$18.65
+24.38% 1Y
Mkt Cap$116.26M
P/E18.11
P/B0.92
Div. Yield3.01%
52W High$18.70
52W Low$14.64
Book Value$20.15
EPS (TTM)$1.03

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.2% per year over the last five years.

Healthy Margins

Maintains a net profit margin of 16.4%.

Dividend Income

Offers a dividend yield of 3.01%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Jun 2025 Revenue of $39.00M (+0.3% YoY); net profit $6.25M.
  • Trailing 12 Months Year-on-year growth — revenue +10.3%, earnings +41.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.4%, profit CAGR 12.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.41%
1 Year:10.30%

Compounded Profit Growth

5 Years:12.18%
1 Year:41.60%

Stock Price Performance

1 Year:+24.38%
6 Months:+18.23%
3 Months:+11.95%
1 Month:+4.83%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
$14.64 $18.70
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)78.16 · Overbought
Price Performance
1M+4.83%
3M+11.95%
6M+18.23%
1Y+24.38%
Valuation vs Sector

P/E of 18.11 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 12.2% over 5 years.
  • Attractive dividend yield of 3.01%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • RSI at 78 suggests overbought conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
18.11
Industry PE
12.89
Forward P/E
14.69
PEG Ratio
4.00
Book Value
$20.15
Price to Book
0.92
P/S
2.86
EV/EBITDA
-
Dividend Yield
3.01%

Growth (CAGR)

Revenue 5Y
2.41%
Profit 5Y
12.18%
Revenue (YoY)
10.30%
Earnings (YoY)
41.60%

Profitability & Returns

ROCE
-
ROE
5.22%
ROA
0.54%
Profit Margin
16.39%
Op Margin
29.02%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.35
EPS (TTM)
$1.03

Balance Sheet & Liquidity

Debt/Equity
1.66
Quick Ratio
-
Current Ratio
-
Debt
$159.15M
Total Assets
$1.22B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.91%
Chg in Prom Hold
0.10%
FII / Inst Holding
51.24%
Chg in FII Hold
0.25%

Financial Snapshot

Enterprise Value
$116.26M
Total Revenue (TTM)
$40.61M
EBITDA
-
Free Cash Flow
$8.15M
Operating Cash Flow
$8.97M
Shares Outstanding
6.23M
Gross Margin
0.00%
Payout Ratio
54.37%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PROV Provident Financial Holdings, Inc. FINANCIAL 18.65 18.11 $116.26M 3.01% - 5.22% 2.41% 12.18%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Sep 2019Dec 2019Mar 2020Sep 2020Dec 2020Mar 2021Sep 2021Dec 2021Mar 2022Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------10.12M9.76M9.74M9.84M9.88M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------5.22M5.22M5.22M5.03M4.70M-
Pretax Income ----------------------------------2.65M2.31M2.73M2.05M1.91M-
Tax Provision ----------------------------------797.00K680.00K1.05M614.00K557.00K-
Net Income 2.60M2.48M2.44M982.00K1.49M2.56M1.59M1.50M1.15M964.00K-225.00K-777.00K1.73M1.40M1.82M1.96M-151.00K2.56M2.40M1.15M1.49M1.18M1.56M2.67M2.26M1.70M2.09M2.37M2.32M1.76M2.14M1.50M1.90M872.00K1.86M1.63M1.68M1.44M1.35M-
Diluted EPS 0.290.280.280.110.180.310.200.180.140.12-0.03-0.100.230.180.240.26-0.020.330.310.150.200.160.210.350.300.230.290.330.330.250.310.220.280.13-0.240.250.220.210.35

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue ------------36.31M41.06M38.86M39.00M
Cost of Revenue ----------------
Gross Profit ----------------
Operating Expenses ----------------
Operating Income ----------------
EBITDA ----------------
Interest Expense ------------3.13M9.01M19.81M21.16M
Pretax Income ------------12.86M12.42M10.39M8.87M
Tax Provision ------------3.77M3.82M3.04M2.62M
Net Income 1.11M13.22M10.81M25.80M6.61M9.80M7.47M5.21M2.13M4.42M7.69M7.56M9.09M8.59M7.35M6.25M
Diluted EPS 0.131.160.962.380.651.070.880.640.280.581.011.001.221.191.06-

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets 1.31B1.26B1.21B1.11B1.17B1.17B1.20B1.18B1.08B1.18B1.18B1.19B1.33B1.27B1.25B
Current Assets ---------------
Cash & Equivalents 142.55M145.14M193.84M118.94M81.40M51.21M72.83M43.30M70.63M116.03M70.27M23.41M65.85M51.38M53.09M
Inventory ---------------
Receivables -----------2.97M3.71M4.29M4.21M
Total Liabilities 1.17B1.12B1.05B959.77M1.03B1.04B1.07B1.06B964.21M1.05B1.06B1.06B1.20B1.14B1.12B
Current Liabilities ---------------
Long Term Debt -----------85.00M235.01M238.50M213.00M
Total Debt -----------85.00M235.01M238.50M213.07M
Total Equity 140.92M144.78M159.97M145.86M141.14M133.45M128.23M120.46M120.64M123.98M127.28M128.65M129.69M129.94M128.54M
Shares Outstanding -----------18.23M18.23M18.23M18.23M

Cash Flows (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow 969.00K-2.41M-12.32M55.06M48.52M-57.77M47.79M83.44M27.99M107.09M7.95M11.57M11.79M16.32M5.68M8.69M
Investing Cash Flow 230.10M139.43M87.51M63.39M-12.14M-39.95M-63.92M-84.52M-27.30M17.29M-48.91M-55.87M-51.75M-109.90M45.06M26.46M
Financing Cash Flow -191.77M-90.67M-72.60M-69.75M-111.28M60.19M-14.06M22.69M-30.21M-97.05M86.36M-1.47M-6.90M136.01M-65.22M-33.43M
Capital Expenditure 395.00K-879.00K-2.60M-1.11M-715.00K-376.00K-1.52M-1.49M-2.91M-449.00K-229.00K-225.00K-165.00K-741.00K-1.59M-530.00K
Free Cash Flow 1.36M-3.29M-14.92M53.95M47.80M-58.15M46.27M81.95M25.08M106.64M7.72M11.35M11.63M15.58M4.10M8.15M
Net Change in Cash -------------46.86M42.44M-14.47M1.71M
Share Buybacks -06.69M8.96M17.18M12.68M13.04M8.71M7.35M1.41M1.28M2.34M4.30M4.65M2.60M4.45M
Dividends Paid -352.00K456.00K1.57M2.54M3.96M4.05M4.01M4.12M4.23M4.19M4.18M4.17M4.15M4.00M3.89M3.77M

Ratios (Annual)

Figures in %.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------------25.0%20.9%18.9%16.0%
ROE % -9.4%7.5%16.1%4.5%6.9%5.6%4.1%1.8%3.7%6.2%5.9%7.1%6.6%5.7%4.9%
ROCE % ----------------

Shareholding Pattern

Insiders
20.91%
Institutions
51.24%
Public Float
64.79%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dimensional Fund Advisors LP 7.87% 490.82K $9.13M
2 Raffles Associates Lp 6.27% 391.12K $7.28M
3 Fourthstone LLC 5.93% 369.97K $6.89M
4 Manufacturers Life Insurance Co. 4.87% 303.73K $5.65M
5 Blackrock Inc. 4.52% 281.66K $5.24M
6 Ameriprise Financial, Inc. 4.52% 281.95K $5.25M
7 Vanguard Capital Management LLC 3.85% 239.88K $4.46M
8 M3F, Inc. 3.84% 239.09K $4.45M
9 Renaissance Technologies, LLC 3.39% 211.35K $3.93M
10 Bridgeway Capital Management, LLC 1.12% 69.80K $1.30M

Analyst View

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Latest News

Recent headlines for PROV

Google News Wed, 02 Sep 2026

Provident Financial Holdings (PROV) Releases Quarterly Earnings: Revenue Up 1.6%, EPS Jumps 45.8% - Quiver Quantitative

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Google News Fri, 04 Sep 2026

Understanding the Setup: (PROV) and Scalable Risk - Stock Traders Daily

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Google News Sat, 30 May 2026

PROV - Provident Financial Holdings Inc Stock Price and Quote - Finviz

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Google News hu, 13 Aug 2026

Provident Financial (PROV) SVP has 601 shares withheld to cover tax obligations - Stock Titan

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Google News hu, 23 Jul 2026

Provident Financial Holdings Announces Quarterly Cash Dividend - finance.yahoo.com

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Google News hu, 22 Jan 2026

Hasbro CEO Cocks and Execs Sued for Alleged Securities Violations - Go Local Prov

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PROV — Frequently Asked Questions

What is the current share price of Provident Financial Holdings, Inc. (PROV)?

As of 2026-09-19 21:16 PDT, Provident Financial Holdings, Inc. (PROV) trades at $18.65 on NasdaqGS. Its 52-week range is $14.64 to $18.70.

What is the market capitalisation of PROV?

Provident Financial Holdings, Inc. (PROV) has a market capitalisation of $116.26M on NasdaqGS.

What is the P/E ratio of PROV?

PROV trades at a trailing price-to-earnings (P/E) ratio of 18.11. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.92.

Does PROV pay a dividend?

Provident Financial Holdings, Inc. (PROV) currently offers a dividend yield of 3.01%.

What is the return on equity (ROE) of PROV?

PROV has a return on equity (ROE) of 5.22%.

Is PROV a good stock to buy?

This page provides a data-driven analysis of Provident Financial Holdings, Inc. (PROV), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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