Provident Financial Hldgs (PROV) Stock Price

PROVStock

$18.15+16.27%52W

Market Cap$112.49M

P/E17.00x

PEG Ratio4.00

Div yield4.96%

Beta0.31

PROV Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-4.20%

Price vs S&P 500 (4W)-1.20%

PEG Ratio4.00

VGM Score47.55

P/E Ratio (Annual)17.00x

Indicated Dividend Yield (Annual)4.96%

P/CF (Annual)12.61x

Book Value / Share (Quarterly)$20.15

P/TBV (Annual)0.61x

Indicated Dividend (Annual)$0.56

Revenue Growth (3Y)2.70%

Cash Flow / Share (Quarterly)$1.36

Payout Ratio (TTM)53.97%

Price vs S&P 500 (YTD)2.15%

Net Profit Margin (TTM)20.16%

EPS (TTM)$1.03

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$1.03

Revenue Growth (5Y)1.49%

EPS (Annual)$1.03

Dividend / Share (Annual)$0.56

ROI (Annual)5.27%

Net Profit Margin (5Y Avg)18.29%

Cash / Share (Quarterly)$8.27

P/E Basic Excl Extra (TTM)17.00x

Revenue Growth QoQ (YoY)34.79%

EPS Growth (5Y)0.26%

P/E Normalized (Annual)17.00x

ROA (Last FY)0.55%

Revenue Growth TTM (YoY)37.77%

EBITD / Share (TTM)$3.17

ROE (5Y Avg)5.90%

Operating Margin (TTM)29.15%

Cash Flow / Share (Annual)$1.36

P/B Ratio0.90x

P/B Ratio (Quarterly)0.85x

Net Income / Employee (Annual)$40,800

ROA (TTM)0.54%

EPS Growth QoQ (YoY)41.24%

EV / EBITDA (TTM)8.33x

EPS Incl Extra (Annual)$1.03

3-Month Avg Trading Volume0.01M

52-Week Price Return16.27%

EV / Free Cash Flow (Annual)13.26x

P/E Incl Extra (TTM)17.00x

Tangible BV / Share (Quarterly)$18.44

P/S Ratio (Annual)1.92x

52-Week High$18.99

Operating Margin (5Y Avg)25.61%

EPS Excl Extra (Annual)$1.03

CapEx CAGR (5Y)16.65%

Tangible BV CAGR (5Y)1.49%

26-Week Price Return5.71%

13-Week Price Return5.46%

Total Debt / Equity (Annual)0.00x

Enterprise Value$113.19M

Revenue / Share Growth (5Y)-5.45%

Book Value / Share Growth (5Y)3.49%

Revenue / Employee (Annual)$254,241,500,000

Pretax Margin (Annual)30.24%

Cash / Share (Annual)$9.35

3-Month Return Std Dev10.08%

Net Income / Employee (TTM)$40,800

EBITDA CAGR (5Y)7.47%

EBITDA Interim CAGR (5Y)7.96%

ROE (Last FY)5.27%

EPS Basic Excl Extra (Annual)$1.03

P/FCF (TTM)13.25x

EV / Free Cash Flow (TTM)13.26x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.03

ROI (TTM)5.23%

Dividend Growth Rate (5Y)-0.16%

P/S Ratio (TTM)1.92x

Pretax Margin (5Y Avg)25.61%

Revenue / Share (Annual)$5.71

Tangible BV / Share (Annual)$18.41

Forward P/E13.97x

Free OCF CAGR (5Y)-5.62%

Price vs S&P 500 (52W)0.74%

P/E Ratio (TTM)17.00x

EPS Growth TTM (YoY)11.17%

Year-to-Date Return14.08%

5-Day Price Return0.00%

EPS Normalized (Annual)$1.03

ROA (5Y Avg)0.61%

Net Profit Margin (Annual)20.93%

Month-to-Date Return0.72%

Cash Flow / Share (TTM)$1.59

EBITD / Share (Annual)$1.83

EPS Growth (3Y)-4.92%

Operating Margin (Annual)30.24%

P/CF (TTM)12.61x

ROI (5Y Avg)5.90%

P/E Excl Extra (TTM)17.00x

EPS Basic Excl Extra (TTM)$1.03

P/TBV (Quarterly)0.61x

Payout Ratio (Annual)53.97%

P/B Ratio (Annual)0.85x

Dividend / Share (TTM)$0.56

Pretax Margin (TTM)29.15%

Book Value / Share (Annual)$20.15

Price vs S&P 500 (13W)2.78%

Net Margin Growth (5Y)25.38%

Dividend Yield (TTM)3.17%

Beta0.31x

P/FCF (Annual)13.25x

Revenue / Share (TTM)$5.75

ROE (TTM)5.23%

52-Week Low$14.95

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PROV Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 28, 2026	$0.28	$0.35	+27.27%(+$0.07)
Q1 2026	Apr 28, 2026	$0.29	$0.21	-27.59%(-$0.08)
Q4 2025	Jan 27, 2026	$0.30	$0.22	-26.67%(-$0.08)
Q3 2025	Oct 28, 2025	$0.29	$0.25	-13.79%(-$0.04)
Q2 2025	Jul 28, 2025	$0.28	$0.24	-15.79%(-$0.04)

PROV Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

2.17

2.29

Industry Peers — Savings Institutions(37)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
PROVProvident Financial Hldgs	C	D	C	0.9x	5.2%	0.5%	—	$18.15
HSBCHSBC Holdings PLC	B	C	C	1.7x	19.5%	1.1%	—	$94.57
AXAxos Financial, Inc. Common Stock	C	B	D	1.7x	16.4%	1.7%	—	$88.14
EBCEastern Bankshares, Inc. Common Stock	D	C	C	1.2x	9.0%	1.3%	—	$21.31
TFSLTFS Financial Corporation	F	C	C	2.5x	5.3%	0.6%	—	$16.33
BKUBankunited, Inc.	B	D	D	1.2x	9.0%	0.8%	—	$41.94
PFSProvident Financial Services, Inc.	B	C	C	1.1x	11.0%	1.2%	—	$22.23
CLBKColumbia Financial, Inc. Common Stock	F	D	B	1.8x	5.0%	0.5%	—	$10.67
CFFNCapitol Federal Financial, Inc.	C	D	C	1.1x	8.0%	0.8%	—	$8.17
HTBHomeTrust Bancshares, Inc.	C	C	C	1.4x	10.9%	1.4%	—	$47.08
KRNYKearny Financial Corporation	C	D	C	0.8x	4.8%	0.5%	—	$8.97
NRIMNorthrim BanCorp Inc	B	D	D	1.8x	20.7%	2.0%	—	$23.55
PDLBPonce Financial Group, Inc. Common Stock	C	A	B	0.9x	6.2%	1.0%	—	$20.13
FMAOFarmers & Merchants Bancorp, Inc.	C	B	A	1.1x	10.7%	1.2%	—	$35.32
WSBFWaterstone Financial, Inc.	B	D	B	1.1x	8.6%	1.3%	—	$19.91
FNRNFirst Northern Community Bancorp Common stock	D	D	C	1.0x	10.6%	1.1%	—	$16.75
WNEBWestern New England Bancorp, Inc.	D	D	D	1.2x	6.8%	0.6%	—	$13.57
BCBPBCB Bancorp Inc (NJ)	C	C	F	0.6x	-5.8%	-0.5%	—	$8.12
CZWICitizens Community Bancorp, Inc.	C	F	C	1.2x	6.8%	0.7%	—	$21.22
FCAPFirst Capital Inc	C	C	B	1.5x	13.4%	1.4%	—	$61.16
BVFLBV Financial, Inc. Common Stock	C	B	B	1.0x	7.1%	1.4%	—	$21.67
FNWDFinward Bancorp Common Stock	C	D	B	0.9x	5.7%	0.5%	—	$41.93
LSBKLake Shore Bancorp, Inc.	D	D	A	0.8x	6.3%	1.0%	—	$18.23
FGBIFIRST GUARANTY BANCSHARES INC	B	C	F	0.7x	-16.2%	-0.9%	—	$8.22
MGYRMagyar Bancorp, Inc.	B	B	B	0.9x	9.6%	1.1%	—	$19.84
RVSBRiverview Bancorp Inc	C	D	B	0.8x	-2.5%	-0.3%	—	$5.99
SFBCSound Financial Bancorp, Inc.	D	D	D	1.0x	7.0%	0.7%	—	$43.17
BYFCBroadway Financial Corp/Del	C	D	B	0.2x	-7.9%	-1.5%	—	$11.37
FDSBFifth District Bancorp, Inc. Common Stock	D	F	C	0.7x	1.3%	0.3%	—	$16.88
FSEAFirst Seacoast Bancorp, Inc. Common Stock	F	D	C	1.2x	0.1%	0.0%	—	$17.25
CPBICentral Plains Bancshares, Inc. Common Stock	D	D	B	0.9x	5.1%	0.8%	1.6x	$20.00
HFBLHome Federal Bancorp, Inc. of Louisiana	C	C	C	0.9x	10.4%	0.9%	—	$24.12
NSTSNSTS Bancorp, Inc. Common Stock	B	A	B	0.9x	-0.1%	-0.0%	—	$14.26
CLSTCatalyst Bancorp, Inc. Common Stock	D	D	C	0.8x	2.5%	0.7%	—	$16.99
KFFBKentucky First Federal Bancorp	D	A	B	0.7x	2.9%	0.4%	—	$5.40
IROQIF Bancorp, Inc.	D	D	D	1.0x	6.2%	0.6%	—	$0.00
NFBKNorthfield Bancorp, Inc.	C	D	B	0.8x	0.7%	0.1%	—	$0.00
SIFIHarbor Ares Systematic Multi-Sector Income ETF	—	—	D	—	—	—	—	$42.24

About Provident Financial Hldgs

Provident Financial Holdings Inc operates Provident Savings Bank, F.S.B., a community bank serving consumers and small to mid-sized businesses in Southern California's Inland Empire region. The company generates revenue through traditional banking services—deposits, residential and commercial real estate lending, and construction financing—as well as investment and trustee services. Income is derived primarily from interest on loans and investments, supplemented by community banking fees.