Financial Services
Provident Financial Holdings, Inc.(PROV)
Live Price
Offline$16.84
-1.46% today
1Y Change
+7.77%
Window
Jun 23, 2025 โ Jun 5, 2026
- Market Cap
- $110.00M
- Revenue Growth
- +2.5%
- EPS Growth
- -12.3%
- Dividend Yield
- 3.3%
Coverage: 240 bars ยท Jun 23, 2025 โ Jun 5, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Provident Financial Holdings, Inc. (PROV) is a Financial Services stock with a market cap of $110.00M and listed on NASDAQ. The stock last traded around $16.84 and up 7.8% across the available one-year price window (Jun 23, 2025 โ Jun 5, 2026). Baseline metrics include revenue growth of +2.5%, EPS growth of -12.3%, a dividend yield of 3.3%. What stands out right now is revenue +2.5%, EPS -12.3%, free cash flow +99.1% with operating margin 15.2% and ROIC 0.5%. The dividend matters to the case here, with a current yield around 3.3%. Valuation is more restrained than many high-expectation growth names at P/E 17.9 and price/sales 1.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PROV price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+2.5% vs +3.4% peer median
Operating Margin
Above sector median
+15.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +2.5% and EPS is at -12.3%, with operating margin around 15.2%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.4% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | +0.8% | +0.5% | +1.1% |
2026 Jan 27, 2026 | -26.7% | +0.6% | +0.2% | +0.6% |
2025 Oct 28, 2025 | -13.8% | +0.6% | -1.9% | -3.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PROV
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PROV Max Drawdown
-6.19%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PROV and SPY.
Company Overview
Provident Financial Holdings, Inc.
NASDAQ Global Select
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.
- Leadership
- Donavon Ternes
- IPO Date
- Jun 28, 1996
- Employees
- 94
- Street Address
- 3756 Central Avenue
- Mailing
- Riverside, CA, 92506
- Region
- Riverside, CA, US
- Reporting Currency
- USD
- Investor Line
- 951 686 6060
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 17.9
- EV/EBITDA
- 22.0
- Price/Sales
- 1.8
- Price/Book
- 0.9
Growth
- Revenue
- +2.5%
- EPS
- -12.3%
- Free Cash Flow
- +99.1%
Profitability
- Gross Margin
- 67.1%
- Operating Margin
- 15.2%
- Net Margin
- 10.3%
- ROE
- 4.8%
- ROIC
- 0.5%
Balance Sheet
- Debt/Equity
- 1.45
- Current Ratio
- 0.68
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.