COMPANY SUMMARY
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
Financial Summary
| Share Statistics |
PROV |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$111.1 |
$716.9 |
22% |
|
| Shares Out (Mil) |
6.4 |
15.7 |
16% |
|
| Institutional Ownership |
83.6% |
83.0% |
52% |
|
| Float (Mil) |
4.3 |
21.2 |
11% |
|
| Beta |
0.32 |
0.48 |
18% |
|
| Avg Daily Volume (000s) |
6 |
53 |
14% |
|
Price Change (52-week) |
16.9% |
96.7% |
59% |
|
| Growth |
PROV |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
(0.1%) |
7.6% |
17% |
|
| Net Income (5yr) |
(3.9%) |
11.1% |
35% |
|
| EPS (5yr) |
(1.6%) |
10.1% |
29 |
|
| Dividends (5yr) |
0.0% |
3.6% |
70% |
|
| Cash Flow (5yr) |
(46.8%) |
(17.0%) |
8% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
1 |
1 |
1 |
| Current EPS |
$0.330 |
$1.040 |
$1.080 |
| Month Ago EPS |
$0.275 |
$1.040 |
$1.080 |
| # Rev Up |
0 |
0 |
na |
| # Rev Down |
1 |
1 |
na |
| Three Months Ago EPS |
$0.300 |
na |
na |
| Year/Year Chg |
57.1% |
11.8% |
na |
| Financials |
PROV |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$40 |
$190 |
18% |
|
| Net Income (TTM) (Mil) |
$6 |
$51 |
44% |
|
| EPS (TTM) |
$0.938 |
$2.500 |
60% |
|
| Operating Cash Flow (TTM) (Mil) |
$8 |
$34 |
37% |
|
| Net Cash Flow (TTM) (Mil) |
$6 |
$1 |
54% |
|
| Long-Term Debt (Q1) (Mil) |
$96 |
$100 |
44% |
|
| Enterprise Value (Q1) (Mil) |
na |
$0 |
na |
|
| Valuation |
PROV |
Industry Median |
Percentile (All Stocks) |
| P/B |
0.89 |
1.27 |
19% |
|
| P/E |
19.1 |
12.9 |
48% |
|
| Dividend Yield |
3.2% |
2.2% |
86% |
|
| PEG (5yr hist) |
na |
1.1 |
na |
|
| Ratios |
PROV |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
na |
68.8% |
na |
|
| Net Margin |
16.4% |
28.9% |
75% |
|
| ROA |
0.5% |
1.0% |
42% |
|
| ROE |
4.8% |
11.1% |
44% |
|
| Liabilities to Assets |
89.6% |
89.8% |
85% |
|
| F-Score |
5 |
4 |
51% |
|
Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
PROV meetings the criteria of 1 screen:
Stock Screen
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.