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Provident Financial Holdings, Inc. logo

Provident Financial Holdings, Inc.

PROV

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$17.98

+$0.08 · +0.45%

Aug 21, 4:00 PM ET

Pre-market

$19.00

+$1.02 · +5.67%

Aug 24, 4:57 AM ET

PROV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

71

Undervalued

Momentum

43

Neutral

Sentiment

42

Mixed

Risk resilience

86

Low Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Donavon Ternes
Listed since
Jun 28, 1996
Employees
163

Market position

Day range

Current $17.98

52-week range

Current $17.98

Open
$18.06
Previous close
$17.90
Volume
6.6K
0.88× average
Average volume
7.51K
Average daily volume
Market cap
112.44M USD
Beta
0.32
Market reference 1
50-day average
$17.4306
+3.15% above average
200-day average
$16.546
+8.67% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
217.35M USD
P/E (TTM)
17.46×
P/B (TTM)
0.91×
P/S (TTM)
1.89×
EV / EBITDA
22.56×
Earnings yield
6.08%
Free cash flow yield
0.00%
Dividend yield
3.11%

Profitability & efficiency

Gross margin
68.12%
Operating margin
16.16%
Net margin
11.16%
Return on equity
5.27%
Return on assets
0.55%
Return on invested capital
0.55%

Financial health

Debt / equity
1.24×
Current ratio
0.48×
Altman Z-score
0.33
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%72%37%2%Gross margin, FY2022: 98.29%Gross margin, FY2023: 81.26%Gross margin, FY2024: 66.35%Gross margin, FY2025: 65.94%Gross margin, FY2026: 68.12%Operating margin, FY2022: 32.60%Operating margin, FY2023: 24.80%Operating margin, FY2024: 17.70%Operating margin, FY2025: 14.75%Operating margin, FY2026: 16.16%Net margin, FY2022: 23.05%Net margin, FY2023: 17.16%Net margin, FY2024: 12.53%Net margin, FY2025: 10.40%Net margin, FY2026: 11.16%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 98.29%. Gross margin FY2023 81.26%. Gross margin FY2024 66.35%. Gross margin FY2025 65.94%. Gross margin FY2026 68.12%. Operating margin FY2022 32.60%. Operating margin FY2023 24.80%. Operating margin FY2024 17.70%. Operating margin FY2025 14.75%. Operating margin FY2026 16.16%. Net margin FY2022 23.05%. Net margin FY2023 17.16%. Net margin FY2024 12.53%. Net margin FY2025 10.40%. Net margin FY2026 11.16%.

Income trends

Revenue

59.62M USD-0.90%

Operating income

9.64M USD+8.60%

Net income

6.66M USD+6.39%
Income trends across reported periods65.55M USD43.99M USD22.43M USD865K USDRevenue, FY2022: 39.45M USDRevenue, FY2023: 50.07M USDRevenue, FY2024: 58.67M USDRevenue, FY2025: 60.16M USDRevenue, FY2026: 59.62M USDOperating income, FY2022: 12.86M USDOperating income, FY2023: 12.42M USDOperating income, FY2024: 10.39M USDOperating income, FY2025: 8.87M USDOperating income, FY2026: 9.64M USDNet income, FY2022: 9.09M USDNet income, FY2023: 8.59M USDNet income, FY2024: 7.35M USDNet income, FY2025: 6.26M USDNet income, FY2026: 6.66M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 39.45M USD. Revenue FY2023 50.07M USD. Revenue FY2024 58.67M USD. Revenue FY2025 60.16M USD. Revenue FY2026 59.62M USD. Operating income FY2022 12.86M USD. Operating income FY2023 12.42M USD. Operating income FY2024 10.39M USD. Operating income FY2025 8.87M USD. Operating income FY2026 9.64M USD. Net income FY2022 9.09M USD. Net income FY2023 8.59M USD. Net income FY2024 7.35M USD. Net income FY2025 6.26M USD. Net income FY2026 6.66M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue59.62M USD60.16M USD58.67M USD50.07M USD39.45M USD
Cost of goods sold19.01M USD20.49M USD19.74M USD9.38M USD673K USD
Gross profit40.61M USD39.67M USD38.93M USD40.69M USD38.77M USD
Selling, general, and administrative24.58M USD20.46M USD19.13M USD19.02M USD17.02M USD
Operating expenses30.97M USD30.79M USD28.54M USD28.27M USD25.92M USD
Interest income55.89M USD56.62M USD54.73M USD45.99M USD34.73M USD
Interest expense19.56M USD21.16M USD19.81M USD9.01M USD3.14M USD
Depreciation and amortization—3.49M USD3.16M USD3.19M USD4.85M USD
Operating income9.64M USD8.87M USD10.39M USD12.42M USD12.86M USD
Net income6.66M USD6.26M USD7.35M USD8.59M USD9.09M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
-5.32%
11 comparable reports
Latest EPS result
0.35
Estimate 0.29 · Beat by 20.69%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.390.30.20.11Q1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 0.13, estimate 0.29, surprise -55.17%, Miss. Q2 2025, reported Apr 28, 2025: actual 0.28, estimate 0.24, surprise +16.67%, Beat. Q3 2025, reported Jul 28, 2025: actual 0.24, estimate 0.29, surprise -17.24%, Miss. Q4 2025, reported Oct 28, 2025: actual 0.25, estimate 0.29, surprise -13.79%, Miss. Q1 2026, reported Jan 26, 2026: actual 0.22, estimate 0.3, surprise -26.67%, Miss. Q2 2026, reported Apr 28, 2026: actual 0.21, estimate 0.29, surprise -27.59%, Miss. Q3 2026, reported Jul 28, 2026: actual 0.35, estimate 0.29, surprise +20.69%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 0.32, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates11.02M10.41M9.79M9.18MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 28, 2025: actual 9.6M USD, estimate 10.03M USD, surprise -4.25%, Miss. Q2 2025, reported Apr 28, 2025: actual 10.12M USD, estimate 10.06M USD, surprise +0.59%, Beat. Q3 2025, reported Jul 28, 2025: actual 9.76M USD, estimate 10.5M USD, surprise -7.03%, Miss. Q4 2025, reported Oct 28, 2025: actual 9.74M USD, estimate 10.5M USD, surprise -7.21%, Miss. Q1 2026, reported Jan 26, 2026: actual 9.84M USD, estimate 10.1M USD, surprise -2.56%, Miss. Q2 2026, reported Apr 28, 2026: actual 9.88M USD, estimate 10.1M USD, surprise -2.22%, Miss. Q3 2026, reported Jul 28, 2026: actual 10.59M USD, estimate 10M USD, surprise +5.94%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 10.3M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$18.00

0.11% upside
Past 12 months12-month forecastHigh $18.00Average $18.00Low $18.00

Rating distribution

10 ratings
Strong buy00%
Buy220%
Hold880%
Sell00%
Strong sell00%

Recent analyst actions

1 institution

PROV news

seekingalpha.com

Provident Financial Holdings, Inc. (PROV) Q4 2026 Earnings Call Transcript

Provident Financial Holdings, Inc. (PROV) Q4 2026 Earnings Call Transcript

Read source
marketbeat.com

Provident Financial Q4 Earnings Call Highlights

Provident Financial NASDAQ: PROV reported modest loan growth in its fiscal fourth quarter ended June 30, 2026, as higher loan originations and lower prepayments supported expansion in its single-family loan portfolio,…

Read source
zacks.com

Compared to Estimates, Provident Financial (PROV) Q4 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Provident Financial (PROV) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall…

Read source
zacks.com

Provident Financial (PROV) Beats Q4 Earnings and Revenue Estimates

Provident Financial (PROV) came out with quarterly earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.28 per share. This compares to earnings of $0.24 per share a year ago.

Read source
globenewswire.com

Provident Financial Holdings Reports Fourth Quarter And Fiscal 2026 Results

Net Income of $2. 18 million in the June 2026 Quarter, Up 61% from the Sequential Quarter and Up 34% from the Comparable Quarter Last Year Net Interest Margin of 3. 21% in the June 2026 Quarter, Up Eight Basis Points…

Read source
globenewswire.com

Provident Financial Holdings Reports Fourth Quarter And Fiscal 2026 Results

Net Income of $2.18 million in the June 2026 Quarter, Up 61% from the Sequential Quarter and Up 34% from the Comparable Quarter Last Year Net Interest Margin of 3.21% in the June 2026 Quarter, Up Eight Basis Points from…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.56

2025 complete year0.0% since 2021

2026 partial: $0.42

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 13, 2026

$0.14

Quarterly

Record Aug 13, 2026 · Payment Sep 3, 2026

Dividend

Ex-dividend May 14, 2026

$0.14

Quarterly

Record May 14, 2026 · Payment Jun 4, 2026

Dividend

Ex-dividend Feb 12, 2026

$0.14

Quarterly

Record Feb 12, 2026 · Payment Mar 5, 2026

Dividend

Ex-dividend Nov 13, 2025

$0.14

Quarterly

Record Nov 13, 2025 · Payment Dec 4, 2025

Dividend

Ex-dividend Aug 14, 2025

$0.14

Quarterly

Record Aug 14, 2025 · Payment Sep 4, 2025

Dividend

Ex-dividend May 15, 2025

$0.14

Quarterly

Record May 15, 2025 · Payment Jun 5, 2025

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ETFs holding PROV

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
3.1M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
1.14M
Weight
0.01%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.04M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
620K
Weight
0.03%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
613.19K
Weight
0.00%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
377.56K
Weight
0.00%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
331.56K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
119.89K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%

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