← Back to Screener
Provident Financial Hldgs (PROV)
Price$17.05
Favorite Metrics
Price vs S&P 500 (26W)-0.76%
Price vs S&P 500 (4W)-3.19%
Market Capitalization$108.63M
P/E Ratio (Annual)17.37x
Indicated Dividend Yield (Annual)3.29%
All Metrics
P/CF (Annual)12.51x
Book Value / Share (Quarterly)$19.87
P/TBV (Annual)0.61x
Indicated Dividend (Annual)$0.56
Revenue Growth (3Y)2.70%
Cash Flow / Share (Quarterly)$1.39
Payout Ratio (TTM)55.85%
Price vs S&P 500 (YTD)2.96%
Net Profit Margin (TTM)20.16%
EPS (TTM)$0.99
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$0.99
Revenue Growth (5Y)1.49%
EPS (Annual)$0.93
Dividend / Share (Annual)$0.56
ROI (Annual)4.86%
Net Profit Margin (5Y Avg)18.29%
Cash / Share (Quarterly)$8.27
P/E Basic Excl Extra (TTM)16.46x
Revenue Growth QoQ (YoY)34.79%
EPS Growth (5Y)-1.80%
P/E Normalized (Annual)17.37x
ROA (Last FY)0.50%
Revenue Growth TTM (YoY)37.77%
EBITD / Share (TTM)$2.00
ROE (5Y Avg)6.04%
Operating Margin (TTM)29.15%
Cash Flow / Share (Annual)$1.24
P/B Ratio0.85x
P/B Ratio (Quarterly)0.81x
Net Income / Employee (Annual)$0
ROA (TTM)0.53%
EPS Growth QoQ (YoY)71.26%
EV / EBITDA (TTM)8.20x
EPS Incl Extra (Annual)$0.93
3-Month Avg Trading Volume0.01M
52-Week Price Return20.59%
EV / Free Cash Flow (Annual)13.33x
P/E Incl Extra (TTM)16.46x
Tangible BV / Share (Quarterly)$18.44
P/S Ratio (Annual)1.92x
52-Week High$17.34
Operating Margin (5Y Avg)25.61%
EPS Excl Extra (Annual)$0.93
CapEx CAGR (5Y)21.52%
Tangible BV CAGR (5Y)1.49%
26-Week Price Return7.98%
13-Week Price Return6.43%
Total Debt / Equity (Annual)0.00x
Enterprise Value$108.69
Revenue / Share Growth (5Y)-5.45%
Book Value / Share Growth (5Y)3.14%
Revenue / Employee (Annual)$254,242
Pretax Margin (Annual)30.24%
Cash / Share (Annual)$9.35
3-Month Return Std Dev12.15%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-2.88%
EBITDA Interim CAGR (5Y)-0.56%
ROE (Last FY)4.87%
EPS Basic Excl Extra (Annual)$0.93
P/FCF (TTM)12.15x
EV / Free Cash Flow (TTM)12.15x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.99
ROI (TTM)5.14%
Dividend Growth Rate (5Y)-0.10%
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/E14.09x
Free OCF CAGR (5Y)0.89%
Price vs S&P 500 (52W)-14.50%
P/E Ratio (TTM)16.46x
EPS Growth TTM (YoY)9.92%
Year-to-Date Return7.10%
5-Day Price Return-0.64%
EPS Normalized (Annual)$0.93
ROA (5Y Avg)0.63%
Net Profit Margin (Annual)20.93%
Month-to-Date Return5.71%
Cash Flow / Share (TTM)$1.59
EBITD / Share (Annual)$1.83
EPS Growth (3Y)-9.05%
Operating Margin (Annual)30.24%
P/CF (TTM)11.41x
ROI (5Y Avg)6.04%
P/E Excl Extra (TTM)16.46x
EPS Basic Excl Extra (TTM)$0.99
P/TBV (Quarterly)0.61x
Payout Ratio (Annual)60.21%
P/B Ratio (Annual)0.79x
Dividend / Share (TTM)$0.56
Pretax Margin (TTM)29.15%
Book Value / Share (Annual)$19.54
Price vs S&P 500 (13W)3.57%
Net Margin Growth (5Y)25.38%
Dividend Yield (TTM)3.39%
Beta0.32x
P/FCF (Annual)13.32x
Revenue / Share (TTM)$5.75
ROE (TTM)5.14%
52-Week Low$14.02
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.29
2.29
2.17
2.17
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
PROVProvident Financial Hldgs | 0.81x | 5.14% | 0.53% | — | $17.05 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $91.59 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $98.97 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.97 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $15.05 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $47.34 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.84 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.41 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.72 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $45.47 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.85 |
About
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.