Provident Financial Holdings, Inc.

Provident Financial Holdings, Inc.

PROV
Provident Financial Holdings, Inc.US flagNASDAQ
17.11
USD
-0.10
- -
107.00MMarket Cap
Provident Financial Holdings, Inc.
PROV
(NASDAQ)

Recent

price

17.11

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.93
6.41
7.09
10.24
6.29
8.19
8.31
8.41
7.72
6.77
5.48
4.72
4.9
5.75
5.6
- -
6.03
Revenue per Share
0.12
1.16
0.96
2.43
0.67
1.09
0.9
0.66
0.28
0.59
1.03
1.01
1.23
1.2
1.06
- -
0.94
Basic EPS, GAAP
0.06
-0.29
-1.32
5.09
4.82
-6.46
5.54
10.35
3.32
14.24
1.03
1.52
1.57
2.18
0.59
- -
1.14
Free Cash Flow per Basic Share
0.04
0.04
0.14
0.24
0.4
0.45
0.48
0.52
0.56
0.56
0.56
0.56
0.56
0.56
0.56
- -
0.56
Dividend per Share
15.2
13.02
13.92
16.98
18.4
20.94
22.98
24.37
25.3
25.52
26.06
26.51
27.4
29.04
30.26
- -
32.98
Book Value per Share
14.32
12.45
12.86
15.09
14.69
15.69
15.99
16.19
15.97
16.11
16.61
17.05
17.38
18.16
18.72
- -
19.47
Tangible Book Value per Share
9
11
11
11
10
9
8
8
8
7
7
7
7
7
7
- -
6
Basic Weighted Avg Shares
62
73
80
109
62
74
69
67
58
51
41
35
36
41
39
39
39
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
1
1
2
2
2
2
3
3
3
3
6
5
3
3
3
4
Depreciation Expense
1
13
11
26
7
10
7
5
2
4
8
8
9
9
7
6
6
Net Income, GAAP
39.89
43.19
42.31
39.6
43.1
42.61
41.82
40.94
61.44
25.39
29.47
25.78
29.28
30.8
29.23
29.51
32.27
Effective Tax Rate (%)
1.8
18.11
13.53
23.76
10.59
13.31
10.77
7.82
3.66
8.72
18.79
21.47
25.04
20.93
18.91
16.04
15.54
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
310
207
127
106
41
91
91
126
126
101
141
101
85
235
238
213
184
LT Debt
128
142
145
160
146
141
133
128
120
121
124
127
129
130
130
129
127
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.83
9.31
7.09
15.32
3.64
5.28
3.93
2.71
1.11
2.31
3.99
3.85
4.54
4.19
3.52
2.96
2.86
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
213
213
184
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
6
6
Market Capitalization
105
105
105

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
50
55
58
Accounts Receivable, Net
4
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.88%
0.74%
-1.07%
Free Cash Flow
16.94%
21.75%
99.1%
Net Income, GAAP
5.19%
-3.25%
-14.91%
Sales/Revenue/Turnover
-5.74%
-0.55%
0.35%
Total Cash Common Dividend
-0.71%
-2.07%
-3.11%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
10
9
10
39
2025
10
10
10
10
39
2026
10
10
10
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.31
0.22
0.28
1.06
2025
0.28
0.13
0.28
0.25
- -
2026
0.26
0.22
0.21
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.14
0.14
0.14
0.56
2025
0.14
0.14
0.14
0.14
- -
2026
0.14
0.14
0.14
- -
- -
Business
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., a federally chartered savings bank primarily serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company offers a broad range of financial products and services including deposit accounts; single-family, multi-family, commercial real estate, construction, commercial business, consumer, and mortgage loans; investment services; trustee services for real estate transactions; and wealth management and fiduciary services. It also provides insurance products through its subsidiaries. Founded in 1996 and headquartered in Riverside, California, Provident Financial focuses on community banking with a commitment to maintaining strong credit and interest rate risk management practices. In recent years, Provident Financial Holdings has emphasized growth through a strategic repricing of its loan portfolio and has experienced net interest margin expansion beginning in fiscal 2025, alongside consistent dividend payments and a common stock repurchase program. The company has reported steady increases in loan and deposit balances for consecutive quarters and improvements in credit quality. Recent operational focus includes prudently managing expenses and maintaining a sound balance sheet amid an evolving interest rate environment. Provident continues to strengthen its position through active community engagement and enhancement of its financial services platform aimed at supporting its target market in Southern California. Provident Financial Holdings remains a regionally focused financial institution with core business activities centered on community banking, investment management, trustee services, and insurance offerings, with an operational emphasis on serving the financial needs of its local consumer and business clientele while maintaining a disciplined, conservative growth strategy aligned with market conditions and regulatory guidelines. Its key financial and operational developments in the last 1-2 years indicate a stable growth trajectory supported by consistent earnings performance and shareholder returns.

Company News

APIChatGPT
  • Provident Bank Celebrates 70 Years of Community Impact with Over $984,000 Donated to Local Nonprofits Since 2006 Through Its Community Partnership Program

  • Provident Financial Holdings, Inc. (PROV) Q3 2026 Earnings Call Transcript

  • Provident Financial Holdings Reports Third Quarter of Fiscal 2026 Results

  • Provident Financial Holdings Announces Quarterly Cash Dividend

  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call

  • First Niles Financial (OTCMKTS:FNFI) vs. Provident Financial (NASDAQ:PROV) Financial Survey

  • Provident Financial (NASDAQ:PROV) Shares Pass Above 200 Day Moving Average – Time to Sell?

  • Provident Bank Named One of America's Best Regional Banks for 2026 by Newsweek

  • Provident Financial Holdings, Inc. (PROV) Q2 2026 Earnings Call Transcript

  • Provident Financial Holdings Announces New Stock Repurchase Plan

  • Provident Financial Holdings Announces Quarterly Cash Dividend

  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call

  • Provident Financial (NASDAQ:PROV) Shares Pass Above 200 Day Moving Average – Here’s Why

  • Provident Financial (NASDAQ:PROV) Stock Passes Above 200-Day Moving Average – Here’s What Happened

  • Provident Financial (NASDAQ:PROV) vs. WSFS Financial (NASDAQ:WSFS) Financial Comparison

  • Provident Financial Holdings, Inc. (PROV) Shareholder/Analyst Call Prepared Remarks Transcript

  • Provident Financial Holdings, Inc. (PROV) Q1 2026 Earnings Call Transcript

  • Provident Financial (PROV) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Provident Financial (PROV) Misses Q1 Earnings and Revenue Estimates

  • Provident Financial Holdings Reports First Quarter of Fiscal 2026 Results