NASDAQ: PROV
Provident Financial Holdings Inc Stock

$15.65-0.07 (-0.45%)
Updated Jul 2, 2025
PROV Price
$15.65
Fair Value Price
$37.95
Market Cap
$103.62M
52 Week Low
$12.01
52 Week High
$16.70
P/E
15.97x
P/B
0.8x
P/S
2.46x
PEG
1.14x
Dividend Yield
2.68%
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
0.25
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

Zen Rating Component Grades

N/A
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
F
PROV
Ranked
Unranked of 295

Top Ranked Stocks in Industry

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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 ($15.65) is undervalued by 58.76% relative to our estimate of its Fair Value price of $37.95 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PROV ($15.65) is significantly undervalued by 58.76% relative to our estimate of its Fair Value price of $37.95 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
PROV ($15.65) is trading above... 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
$15.65
Fair Value
$37.95
Undervalued by
58.76%
PROV ($15.65) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PROV ($15.65) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PROV ($15.65) is trading above... 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
15.97x
Industry
12.66x
Market
31.27x
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
0.8x
Industry
1.23x
PROV is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PROV price to earnings growth (PEG)

For valuing profitable companies with growth potential

PROV is poor value relative... subscribe to Premium to read more.
PEG Value 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

TickerZen RatingMarket Cap1d %P/EP/B
PROV$103.62M-0.45%15.97x0.80x
BSBK$104.20M+2.69%-114.43x0.75x
MGYR$109.23M+1.63%11.64x0.96x
PNBKC$112.10M-2.00%-0.14x1.96x
FGBID$114.19M+7.79%68.15x0.45x

Provident Financial Holdings Stock FAQ

What is Provident Financial Holdings's quote symbol?

(NASDAQ: PROV) Provident Financial Holdings trades on the NASDAQ under the ticker symbol PROV. Provident Financial Holdings stock quotes can also be displayed as NASDAQ: PROV.

If you're new to stock investing, here's how to buy Provident Financial Holdings stock.

What is the 52 week high and low for Provident Financial Holdings (NASDAQ: PROV)?

(NASDAQ: PROV) Provident Financial Holdings's 52-week high was $16.70, and its 52-week low was $12.01. It is currently -6.29% from its 52-week high and 30.31% from its 52-week low.

How much is Provident Financial Holdings stock worth today?

(NASDAQ: PROV) Provident Financial Holdings currently has 6,621,150 outstanding shares. With Provident Financial Holdings stock trading at $15.65 per share, the total value of Provident Financial Holdings stock (market capitalization) is $103.62M.

Provident Financial Holdings stock was originally listed at a price of $9.72 in Dec 31, 1997. If you had invested in Provident Financial Holdings stock at $9.72, your return over the last 27 years would have been 60.94%, for an annualized return of 1.78% (not including any dividends or dividend reinvestments).

How much is Provident Financial Holdings's stock price per share?

(NASDAQ: PROV) Provident Financial Holdings stock price per share is $15.65 today (as of Jul 2, 2025).

What is Provident Financial Holdings's Market Cap?

(NASDAQ: PROV) Provident Financial Holdings's market cap is $103.62M, as of Jul 3, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Provident Financial Holdings's market cap is calculated by multiplying PROV's current stock price of $15.65 by PROV's total outstanding shares of 6,621,150.
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