PROV Relative Valuation
PROV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PROV is overvalued; if below, it's undervalued.
Historical Valuation
Provident Financial Holdings Inc (PROV) is now in the Fair zone, suggesting that its current forward PE ratio of 12.89 is considered Fairly compared with the five-year average of 13.47. The fair price of Provident Financial Holdings Inc (PROV) is between 13.35 to 19.15 according to relative valuation methord.
Relative Value
Fair Zone
13.35-19.15
Current Price：16.19
Fair
12.89
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Provident Financial Holdings Inc. (PROV) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Provident Financial Holdings Inc. (PROV) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
2.51
PS
Provident Financial Holdings Inc. (PROV) has a current PS of 2.51. The 5-year average PS is 2.68. The thresholds are as follows: Strongly Undervalued below 1.75, Undervalued between 1.75 and 2.22, Fairly Valued between 3.14 and 2.22, Overvalued between 3.14 and 3.60, and Strongly Overvalued above 3.60. The current Forward PS of 2.51 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Provident Financial Holdings Inc. (PROV) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Provident Financial Holdings Inc. (PROV) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Provident Financial Holdings Inc (PROV) has a current Price-to-Book (P/B) ratio of 0.81. Compared to its 3-year average P/B ratio of 0.75 , the current P/B ratio is approximately 8.50% higher. Relative to its 5-year average P/B ratio of 0.82, the current P/B ratio is about -1.13% higher. Provident Financial Holdings Inc (PROV) has a Forward Free Cash Flow (FCF) yield of approximately 7.94%. Compared to its 3-year average FCF yield of 9.90%, the current FCF yield is approximately -19.78% lower. Relative to its 5-year average FCF yield of 9.79% , the current FCF yield is about -18.88% lower.
0.81
P/B
Median3y
0.75
Median5y
0.82
7.94
FCF Yield
Median3y
9.90
Median5y
9.79
Competitors Valuation Multiple
The average P/S ratio for PROV's competitors is 0.72, providing a benchmark for relative valuation. Provident Financial Holdings Inc Corp (PROV) exhibits a P/S ratio of 2.51, which is 246.3% above the industry average. Given its robust revenue growth of 3.53%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PROV increased by 1.58% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 15.80 to 17.78.
The secondary factor is the Revenue Growth, contributed 3.53%to the performance.
Overall, the performance of PROV in the past 1 year is driven by P/E Change. Which is more unsustainable.
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Frequently Asked Questions
Is Provident Financial Holdings Inc (PROV) currently overvalued or undervalued?
Provident Financial Holdings Inc (PROV) is now in the Fair zone, suggesting that its current forward PE ratio of 12.89 is considered Fairly compared with the five-year average of 13.47. The fair price of Provident Financial Holdings Inc (PROV) is between 13.35 to 19.15 according to relative valuation methord.
What is Provident Financial Holdings Inc (PROV) fair value?
PROV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Provident Financial Holdings Inc (PROV) is between 13.35 to 19.15 according to relative valuation methord.
How does PROV's valuation metrics compare to the industry average?
The average P/S ratio for PROV's competitors is 0.72, providing a benchmark for relative valuation. Provident Financial Holdings Inc Corp (PROV) exhibits a P/S ratio of 2.51, which is 246.30% above the industry average. Given its robust revenue growth of 3.53%, this premium appears unsustainable.
What is the current P/B ratio for Provident Financial Holdings Inc (PROV) as of Jan 07 2026?
As of Jan 07 2026, Provident Financial Holdings Inc (PROV) has a P/B ratio of 0.81. This indicates that the market values PROV at 0.81 times its book value.
What is the current FCF Yield for Provident Financial Holdings Inc (PROV) as of Jan 07 2026?
As of Jan 07 2026, Provident Financial Holdings Inc (PROV) has a FCF Yield of 7.94%. This means that for every dollar of Provident Financial Holdings Inc’s market capitalization, the company generates 7.94 cents in free cash flow.
What is the current Forward P/E ratio for Provident Financial Holdings Inc (PROV) as of Jan 07 2026?
As of Jan 07 2026, Provident Financial Holdings Inc (PROV) has a Forward P/E ratio of 12.89. This means the market is willing to pay $12.89 for every dollar of Provident Financial Holdings Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Provident Financial Holdings Inc (PROV) as of Jan 07 2026?
As of Jan 07 2026, Provident Financial Holdings Inc (PROV) has a Forward P/S ratio of 2.51. This means the market is valuing PROV at $2.51 for every dollar of expected revenue over the next 12 months.