NASDAQ: PROVProvident Financial Holdings Inc Stock
$15.40-0.03 (-0.19%)
Updated Jun 13, 2025
PROV Price
$15.40
Fair Value Price
$6.81
Market Cap
$101.97M
52 Week Low
$12.01
52 Week High
$16.70
P/E
15.71x
P/B
0.79x
P/S
2.46x
PEG
N/A
Dividend Yield
2.73%
Revenue
$39.67M
Earnings
$6.58M
Gross Margin
100%
Operating Margin
23.51%
Profit Margin
16.6%
Debt to Equity
8.78
Operating Cash Flow
$5M
Beta
0.26
Next Earnings
Jul 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A
PROV Overview
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine PROV's potential to beat the market
- PROV doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
PROV
RankedUnranked of 296
RankedUnranked of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $34.81 | A | |
| $36.01 | B | |
| $14.40 | B |
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PROV News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how PROV scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
PROV ($15.40) is overvalued by 125.99% relative to our estimate of its Fair Value price of $6.81 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
PROV ($15.40) is not significantly undervalued (125.99%) relative to our estimate of its Fair Value price of $6.81 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
PROV is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more PROV due diligence checks available for Premium users.
Valuation
PROV fair value
Fair Value of PROV stock based on Discounted Cash Flow (DCF)
Price
$15.40
Fair Value
$6.81
Overvalued by
125.99%
PROV ($15.40) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PROV ($15.40) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PROV is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
PROV price to earnings (PE)
For valuing profitable companies with steady earnings
Company
15.71x
Industry
11.9x
Market
31.36x
PROV is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PROV is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
PROV price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.79x
Industry
1.15x
PROV is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PROV's financial health
Profit margin
Revenue
$10.5M
Net Income
$1.9M
Profit Margin
17.7%
PROV's Earnings (EBIT) of $9.33M... subscribe to Premium to read more.
Interest Coverage Financials
PROV's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.3B
Liabilities
$1.1B
Debt to equity
8.78
PROV's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
PROV's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$3.3M
Investing
-$10.0k
Financing
$2.1M
PROV's operating cash flow ($5.45M)... subscribe to Premium to read more.
Debt Coverage Financials
PROV vs Bank Stocks
Provident Financial Holdings Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.