Provident Financial Holdings Inc PROV

FinancialsBanking ServicesUnited States of America

Last close 18.17 USD on Nov 1, 2026, +17.0% year to date

Quant rating

Quant rating A Rank 111 of 799 in Financials

Growth B 236 of 799
Valuation C 322 of 799
Quality C 334 of 799
Revisions A 14 of 799
Momentum C 396 of 799

Wall Street consensus Hold (3.00)Average target 18.50 USD +1.8%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 113M
Enterprise value: 63M
52-week range: 14.96 – 18.89
3-year range: 10.91 – 18.89
Dividend yield: 3.08%
Beta (5 years): 0.32
Shares outstanding: 6.2M
Next earnings: Jan 27, 2027

About the company

Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank include community banking, investment services and trustee services for real estate transactions. The Bank’s community banking operations include accepting deposits from customers within the communities surrounding its full-service offices and investing those funds in the origination of single-family, multi-family and commercial real estate loans and, to a lesser extent, construction, commercial business, consumer and other mortgage loans to be held for investment. It operates 12 full-service banking offices in Riverside County.

Growth and profitability

Growth and profitability by fiscal year
	2026	2025	2024	2023	2022	5Y avg
Revenue (mil)	55.9	56.6	54.7	46.0	34.7	–
Revenue growth	−1.3%	3.5%	19.0%	32.4%	−1.3%	9.7%
EPS (basic, normalized)	1.04	0.93	1.06	1.20	1.23	–
EPS growth	11.4%	−12.0%	−12.0%	−2.1%	21.2%	0.5%
Gross margin	–	–	–	–	–	–
Net margin	11.9%	11.0%	13.4%	18.7%	26.2%	16.2%
ROE	505.0%	4.8%	5.6%	6.6%	7.1%	105.8%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	19.4%
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	126
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2026 actual	55.9	−1.3%	1.1x	20.15	–	0.9x	1.03	+10.8%	17.6x
2027	41.4	−25.9%	1.5x	20.85	+3.5%	0.9x	1.35	+31.6%	13.4x
2028	41.5	+0.2%	1.5x	21.54	+3.3%	0.8x	1.55	+14.8%	11.7x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2027	41.4	0.0%	+4.8%	–	1.35	+0.7%	+8.0%	+3.4%
2028	41.5	0.0%	+5.6%	–	1.55	+22.4%	+44.0%	–
2029	–	–	–	–	–	–	–	–

Earnings surprises EPS beat in 1 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	9.4	9.9	9.5	9.6	10.1	9.8	9.7	9.5	9.9	10.6
Sales mean (mil)	9.7	9.4	9.5	9.7	9.9	–	10.2	–	–	10.0
Surprise	−3.3%	+5.2%	+0.5%	−1.4%	+2.6%	–	−4.5%	–	–	+5.9%
EPS reported	0.22	0.28	0.28	0.13	0.28	0.24	0.25	0.22	0.21	0.35
EPS mean	0.23	0.23	0.24	0.29	0.30	0.28	0.30	0.38	0.31	0.28
Surprise	−6.4%	+21.7%	+14.3%	−55.2%	−6.7%	−15.8%	−16.7%	−42.1%	−32.3%	+27.3%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
PROV Provident Financial Holdings Inc	113M	19.4%	11.9%	0.88x	13.4x	11.7x	0.9x	0.8x
SAN Banco Santander S.A.	164.6B	15.7%	12.3%	1.14x	9.7x	8.0x	1.3x	1.2x
NAB National Australia Bank Limited	91.0B	13.6%	12.0%	0.94x	19.7x	17.0x	2.0x	2.0x
WBC Westpac Banking Corp	88.5B	14.3%	12.6%	0.91x	18.0x	17.3x	1.8x	1.7x
BNPP BNP Paribas SA	105.5B	15.5%	16.1%	1.23x	7.4x	6.6x	0.8x	0.7x
EWBC East West Bancorp, Inc.	17.9B	15.4%	30.9%	1.20x	12.1x	11.1x	1.9x	1.7x
Mean		15.7%	16.0%	1.05x	13.4x	12.0x	1.4x	1.4x
Median		15.4%	12.5%	1.04x	12.8x	11.4x	1.5x	1.5x

Technical analysis

1M−0.5%
3M+4.0%
1Y+19.4%
3Y+66.0%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Provident Financial Holdings Inc, fiscal years, most recent first
	2026	2025	2024	2023	2022	2021
Interest income	55.9	56.6	54.7	46.0	34.7	35.2
Total interest expense	19.6	21.2	19.8	9.0	3.1	4.6
Net interest income	36.3	35.5	34.9	37.0	31.6	30.6
Loan loss provision	−0.6	−0.7	−0.1	0.4	−2.5	−0.7
Net interest income after loan loss provision	36.9	36.1	35.0	36.6	34.1	31.3
Non-interest income	3.7	3.5	3.9	4.1	4.7	4.6
Non-interest expense	−31.0	−30.8	−28.5	−28.3	−25.9	−25.7
Net income before taxes	9.6	8.9	10.4	12.4	12.9	10.2
Provision for taxes	3.0	2.6	3.0	3.8	3.8	2.6
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	6.7	6.3	7.4	8.6	9.1	7.6
Extraordinary items	–	–	–	–	–	–
Net income	6.7	6.3	7.4	8.6	9.1	7.6
Basic weighted average shares (mil)	6.4	6.7	6.9	7.1	7.4	7.5
Diluted weighted average shares (mil)	6.5	6.8	7.0	7.2	7.4	7.5
Basic EPS excluding extraordinary items	1.04	0.93	1.06	1.20	1.23	1.01
Basic EPS, normalized	1.04	0.93	1.06	1.20	1.23	1.01

Balance sheet in millions of USD, fiscal years

Balance sheet, Provident Financial Holdings Inc, fiscal years, most recent first
	2026	2025	2024	2023	2022	2021
Assets
Cash & due from banks	49.2	53.1	51.4	65.8	23.4	70.3
Other earning assets	101	121	142	166	197	235
Net loans	1,033	1,045	1,053	1,077	940	851
Property, plant & equipment	9.2	9.3	9.3	9.2	8.8	9.4
Goodwill	–	–	–	–	–	–
Intangibles	–	–	–	–	–	–
Long-term investments	–	–	–	–	–	–
Other long-term assets	−1.2	−0.8	0.6	0.2	1.4	2.5
Other assets	17.2	17.3	16.0	14.2	16.8	15.6
Total assets	1,208	1,246	1,272	1,333	1,187	1,184
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	12.4	13.5	14.0	15.5	15.9	15.2
Accrued expenses	2.1	1.7	1.4	2.2	2.0	2.2
Total deposits	910	889	888	951	956	938
Other bearing liabilities	157	213	238	235	85.0	101
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0.1	0	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	0	0	0	0	0	0
Total liabilities	1,082	1,117	1,142	1,203	1,058	1,056
Shareholders' equity
Preferred stock	–	0	0	0	0	0
Common stock	0.2	0.2	0.2	0.2	0.2	0.2
Additional paid-in capital	99.8	99.1	98.5	99.5	98.8	98.0
Retained earnings (accumulated deficit)	215	212	210	207	203	198
Treasury stock	−189	−183	−179	−177	−173	−169
Other equity	0	0	0	0	0	0.1
Total equity	126	129	130	130	129	127
Total liabilities & shareholders' equity	1,208	1,246	1,272	1,333	1,187	1,184

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Provident Financial Holdings Inc, fiscal years, most recent first
	2026	2025	2024	2023	2022	2021
Operating activities
Net income	6.7	6.3	7.4	8.6	9.1	7.6
Depreciation, depletion & amortization	3.9	3.5	3.2	3.2	4.8	6.3
Deferred taxes	0.3	1.4	−0.1	1.2	1.1	0.5
Non-cash items	0.3	0.4	−0.3	1.2	0.8	1.3
Changes in working capital	−2.2	−2.8	−4.5	2.1	−4.1	−4.0
Cash from operations	9.0	8.7	5.7	16.3	11.8	11.6
Investing activities
Capital expenditures	−0.4	−0.5	−1.6	−0.7	−0.2	−0.2
Other investing cash flows	31.9	27.0	46.7	−109	−51.6	−55.6
Cash from investing	31.5	26.5	45.1	−110	−51.7	−55.9
Financing activities
Financing cash flow items	−34.8	−25.2	−58.7	145	1.5	4.1
Cash dividends paid	−3.6	−3.8	−3.9	−4.0	−4.1	−4.2
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−6.0	−4.4	−2.6	−4.6	−4.3	−1.4
Cash from financing	−44.3	−33.4	−65.2	136	−6.9	−1.5
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−3.9	1.7	−14.5	42.4	−46.9	−45.8
Free cash flow	8.5	8.2	4.1	15.6	11.6	11.3

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.