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PROV Overview

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ET
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ET
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High
15.920
Open
15.920
VWAP
15.92
Vol
15.00
Mkt Cap
101.49M
Low
15.920
Amount
238.80
EV/EBITDA(TTM)
20.79
Total Shares
6.38M
EV
260.18M
EV/OCF(TTM)
18.02
P/S(TTM)
2.77
Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank include community banking, investment services and trustee services for real estate transactions. The Bank’s community banking operations include accepting deposits from customers within the communities surrounding its full-service offices and investing those funds in the origination of single-family, multi-family and commercial real estate loans and, to a lesser extent, construction, commercial business, consumer and other mortgage loans to be held for investment. It operates 12 full-service banking offices in Riverside County.
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Events Timeline

(ET)
2026-01-27
06:10:00
Q2 Net Interest Margin Rises to 3.03%, Book Value at $19.87
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2026-01-22 (ET)
2026-01-22
19:50:00
Provident Financial Authorizes 5% Stock Buyback
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2025-10-28 (ET)
2025-10-28
06:11:33
Provident Financial announces Q1 EPS of 25 cents, down from 28 cents a year ago.
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2025-07-28 (ET)
2025-07-28
06:28:33
Provident Financial reports Q4 EPS 24c vs. 28c last year
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2025-05-12 (ET)
2025-05-12
17:31:12
Provident Financial names Peter Fan as new CFO
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2025-04-28 (ET)
2025-04-28
06:06:41
Provident Financial reports Q3 EPS 28c vs. 22c last year
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2025-01-23 (ET)
2025-01-23
18:23:11
Provident Financial announces new stock repurchase plan for up 334.8K shares
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News

Newsfilter
8.5
01-28Newsfilter
Provident Bank Named One of America's Best Regional Banks by Newsweek
  • Customer Trust Recognition: Provident Bank's designation as one of America's Best Regional Banks by Newsweek in 2026 underscores the high level of trust customers place in its services, further solidifying its position within the community.
  • Rigorous Selection Criteria: The selection process evaluated 500 banks based on multiple standards, including Texas Ratio, net profitability, and loan size, demonstrating Provident Bank's competitive advantages in the industry.
  • Significant Asset Size: With approximately $1.2 billion in total assets, Provident Bank stands as the largest independent community bank in Riverside County, California, having served customer financial needs since 1956, which enhances its market influence.
  • Commitment to Community Engagement: Beyond financial services, Provident Bank actively participates in local initiatives, strengthening connections with customers and showcasing its role as a community partner.
seekingalpha
9.5
01-28seekingalpha
Provident Financial Holdings Reports Q2 2026 Earnings Insights
  • Loan Origination Growth: Provident Financial originated $42.1 million in loans during Q2 2026, a 42% increase from the previous quarter, indicating strong performance in the loan market and potential for sustainable growth.
  • Decrease in Nonperforming Assets: As of December 31, 2025, nonperforming assets fell to $990,000, or 8 basis points of total assets, demonstrating effective asset quality management and enhancing investor confidence.
  • Net Interest Margin Improvement: The net interest margin increased to 3.03% for the quarter, up 3 basis points from the prior quarter, reflecting success in reducing borrowing costs and expected to further drive profitability.
  • Capital Management Activities: The company executed $906,000 in dividends and $1.5 million in stock repurchases during the quarter, showcasing its commitment to shareholder returns while maintaining a robust capital structure to support future growth.
NASDAQ.COM
9.5
01-27NASDAQ.COM
Provident Financial Reports Increased Q2 Profit
  • Profit Growth: Provident Financial reported a Q2 profit of $1.44 million, or $0.22 per share, significantly up from $0.87 million and $0.13 per share last year, indicating improved profitability.
  • Revenue Increase: The company's Q2 revenue rose to $8.92 million, a 1.8% increase from $8.76 million last year, demonstrating its ability to maintain stable revenue growth in a competitive market.
  • Financial Health Indicators: The continuous profit and revenue growth enhance Provident Financial's financial health, improving its capacity for future investments and business expansion.
  • Increased Market Confidence: The dual growth in profit and revenue not only boosts investor confidence in the company but also helps attract more investor attention, potentially driving up the stock price.
seekingalpha
9.5
01-27seekingalpha
Provident Financial Reports Q2 Earnings Miss with Revenue Growth
  • Earnings Miss: Provident Financial's Q2 GAAP EPS of $0.22 fell short by $0.08, indicating pressure on profitability that could impact investor confidence moving forward.
  • Revenue Growth: The company reported revenue of $9.84 million for Q2, reflecting a modest 2.4% year-over-year increase, which, while lackluster, suggests some market resilience that may support future business development.
  • Decline in Loans and Deposits: As of December 31, 2025, loans held for investment totaled $1.04 billion, down 1% from June 30, 2025, while total deposits decreased by 2% to $872.4 million, highlighting challenges in liquidity management.
  • Improved Asset Quality: The non-performing assets to total assets ratio improved to 0.08% from 0.11% year-over-year, indicating positive progress in risk management that may bolster market confidence in the company's credit standing.
seekingalpha
8.0
01-23seekingalpha
Provident Financial (PROV) Announces Stock Buyback of 318,875 Shares
  • Buyback Program Initiation: Provident Financial has announced a stock repurchase program for up to 5% of its common stock, approximately 318,875 shares, aimed at enhancing shareholder value and boosting market confidence.
  • Cancellation of Previous Plan: The previously scheduled buyback program for January 2025 has been canceled effective January 23, 2026, with 16,825 shares no longer eligible for repurchase, thereby optimizing capital allocation.
  • Market Reaction Expectations: This buyback program is expected to positively impact the company's earnings per share, increasing investor confidence in the company's future financial performance.
  • Strategic Adjustment: By implementing the new buyback plan, Provident Financial aims to leverage current market conditions to strengthen its capital structure and lay the groundwork for future growth.
Globenewswire
9.5
01-20Globenewswire
Provident Financial Holdings to Announce Q2 2026 Earnings on January 27
  • Earnings Announcement: Provident Financial Holdings will release its Q2 2026 earnings report before the market opens on January 27, 2026, providing investors with updated financial performance data to assess the company's operational status.
  • Investor Conference Call: The company will host a conference call for institutional investors and bank analysts on January 28, 2026, at 9:00 a.m. (Pacific), aimed at discussing financial results and enhancing transparency and investor confidence.
  • Call Access Information: Investors can participate in the conference call by dialing 1-800-715-9871 and referencing Conference ID 7361828, ensuring timely information dissemination and interaction.
  • Replay Availability: An audio replay of the conference call will be available until February 4, 2026, allowing investors who could not attend live to access key information by dialing 1-800-770-2030 and using the same Conference ID.

Valuation Metrics

The current forward P/E ratio for Provident Financial Holdings Inc (PROV.O) is 12.89, compared to its 5-year average forward P/E of 13.23. For a more detailed relative valuation and DCF analysis to assess Provident Financial Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
13.23
Current PE
12.89
Overvalued PE
15.87
Undervalued PE
10.59

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.66
Current PS
2.51
Overvalued PS
3.12
Undervalued PS
2.20

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Frequently Asked Questions

What is Provident Financial Holdings Inc (PROV) stock price today?

The current price of PROV is 15.92 USD — it has increased 0

What is Provident Financial Holdings Inc (PROV)'s business?

Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank include community banking, investment services and trustee services for real estate transactions. The Bank’s community banking operations include accepting deposits from customers within the communities surrounding its full-service offices and investing those funds in the origination of single-family, multi-family and commercial real estate loans and, to a lesser extent, construction, commercial business, consumer and other mortgage loans to be held for investment. It operates 12 full-service banking offices in Riverside County.

What is the price predicton of PROV Stock?

Wall Street analysts forecast PROV stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PROV is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Provident Financial Holdings Inc (PROV)'s revenue for the last quarter?

Provident Financial Holdings Inc revenue for the last quarter amounts to 9.48M USD, increased 2.94

What is Provident Financial Holdings Inc (PROV)'s earnings per share (EPS) for the last quarter?

Provident Financial Holdings Inc. EPS for the last quarter amounts to 0.22 USD, increased 69.23

How many employees does Provident Financial Holdings Inc (PROV). have?

Provident Financial Holdings Inc (PROV) has 163 emplpoyees as of March 12 2026.

What is Provident Financial Holdings Inc (PROV) market cap?

Today PROV has the market capitalization of 101.49M USD.