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Provident Financial Hldgs (PROV)
Price$16.92
Value ScoreC
Growth ScoreD
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)2.45%
Price vs S&P 500 (4W)-1.22%
VGM Score36.68
Market Capitalization$105.81M
P/E Ratio (Annual)16.92x
Indicated Dividend Yield (Annual)3.31%
All Metrics
P/CF (Annual)12.18x
Book Value / Share (Quarterly)$20.02
P/TBV (Annual)0.61x
Indicated Dividend (Annual)$0.56
Revenue Growth (3Y)2.70%
Cash Flow / Share (Quarterly)$1.17
Payout Ratio (TTM)59.73%
Price vs S&P 500 (YTD)-1.81%
Net Profit Margin (TTM)20.16%
EPS (TTM)$0.93
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$0.93
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)17.35x
Revenue Growth QoQ (YoY)34.79%
EPS Growth (5Y)-1.80%
P/E Normalized (Annual)16.92x
ROA (Last FY)0.50%
Revenue Growth TTM (YoY)37.77%
EBITD / Share (TTM)$3.17
ROE (5Y Avg)6.04%
Operating Margin (TTM)29.15%
Cash Flow / Share (Annual)$1.24
P/B Ratio0.84x
P/B Ratio (Quarterly)0.81x
Net Income / Employee (Annual)$38,400
ROA (TTM)0.50%
EPS Growth QoQ (YoY)-23.86%
EV / EBITDA (TTM)8.33x
EPS Incl Extra (Annual)$0.93
3-Month Avg Trading Volume0.01M
52-Week Price Return11.24%
EV / Free Cash Flow (Annual)12.98x
P/E Incl Extra (TTM)17.35x
Tangible BV / Share (Quarterly)$18.44
P/S Ratio (Annual)1.92x
52-Week High$17.42
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 Return10.37%
13-Week Price Return4.96%
Total Debt / Equity (Annual)0.00x
Enterprise Value$105.87M
Revenue / Share Growth (5Y)-5.45%
Book Value / Share Growth (5Y)3.14%
Revenue / Employee (Annual)$254,241,500,000
Pretax Margin (Annual)30.24%
Cash / Share (Annual)$9.35
3-Month Return Std Dev9.51%
Net Income / Employee (TTM)$37,400
EBITDA CAGR (5Y)7.47%
EBITDA Interim CAGR (5Y)7.96%
ROE (Last FY)4.87%
EPS Basic Excl Extra (Annual)$0.93
P/FCF (TTM)14.31x
EV / Free Cash Flow (TTM)14.31x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.93
ROI (TTM)4.77%
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/E13.07x
Free OCF CAGR (5Y)0.89%
Price vs S&P 500 (52W)-13.12%
P/E Ratio (TTM)17.35x
EPS Growth TTM (YoY)-3.76%
Year-to-Date Return6.35%
5-Day Price Return-0.18%
EPS Normalized (Annual)$0.93
ROA (5Y Avg)0.63%
Net Profit Margin (Annual)20.93%
Month-to-Date Return-0.18%
Cash Flow / Share (TTM)$1.59
EBITD / Share (Annual)$1.83
EPS Growth (3Y)-9.05%
Operating Margin (Annual)30.24%
P/CF (TTM)13.09x
ROI (5Y Avg)6.04%
P/E Excl Extra (TTM)17.35x
EPS Basic Excl Extra (TTM)$0.93
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)-3.29%
Net Margin Growth (5Y)25.38%
Dividend Yield (TTM)3.44%
Beta0.32x
P/FCF (Annual)12.98x
Revenue / Share (TTM)$5.75
ROE (TTM)4.77%
52-Week Low$14.95
vGradeC
gGradeD
mGradeD
vgmGradeD
Show chart for
Earnings Surprise History
Q3 260.21est. 0.32
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
2.17
2.17
2.17
2.17
Industry Peers — Savings Institutions(37)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
PROVProvident Financial Hldgs | C | D | D | $16.92 |
| HSBCHSBC Holdings PLC | C | D | B | $90.80 |
| AXAxos Financial, Inc. Common Stock | C | B | D | $87.81 |
| TFSLTFS Financial Corporation | F | D | B | $16.42 |
| EBCEastern Bankshares, Inc. Common Stock | C | B | C | $19.85 |
| BKUBankunited, Inc. | C | D | C | $47.14 |
| PFSProvident Financial Services, Inc. | B | C | B | $22.50 |
| CLBKColumbia Financial, Inc. Common Stock | F | D | B | $20.27 |
| CFFNCapitol Federal Financial, Inc. | C | D | B | $7.85 |
| HTBHomeTrust Bancshares, Inc. | C | B | C | $47.22 |
| NFBKNorthfield Bancorp, Inc. | C | D | C | $14.35 |
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.