Symbols / PROV Stock $17.01 -0.53% Provident Financial Holdings, Inc.

Financial Services • Banks - Regional • United States • NMS
PROV (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Donavon P. Ternes
Exch · Country NMS · United States
Market Cap 108.44M
Enterprise Value 269.53M
Income 6.60M
Sales 40.80M
FCF (ttm) —
Book/sh 19.88
Cash/sh 8.53
Employees 95
Insider 10d —
IPO Jun 28, 1996
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 56.57%
P/E 17.18
Forward P/E 12.98
PEG 4.00
P/S 2.66
P/B 0.86
P/C —
EV/EBITDA —
EV/Sales 6.61
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.99
EPS next Y 1.31
EPS Growth 70.20%
Revenue Growth 10.90%
EPS Gr Q/Q 64.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-01-27
ROA 0.53%
ROE 5.15%
ROIC —
Gross Margin 0.00%
Oper. Margin 24.41%
Profit Margin 16.17%
Shs Outstand 6.38M
Shs Float 4.42M
Insider Own 20.21%
Instit Own 50.07%
Short Float 0.68%
Short Ratio 2.95
Short Interest 33.83K
52W High 17.35
vs 52W High -1.96%
52W Low 14.85
vs 52W Low 14.55%
Beta 0.28
Impl. Vol. —
Rel Volume 1.55
Avg Volume 8.53K
Volume 13.19K
Target (mean) $16.00
Tgt Median $16.00
Tgt Low $16.00
Tgt High $16.00
# Analysts 1
Recom None
Prev Close $17.10
Price $17.01
Change -0.53%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$16.00
Mean price target
2. Current target
$17.01
Latest analyst target
3. DCF / Fair value
$14.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$17.01
Low
$16.00
High
$16.00
Mean
$16.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-10-30 main Piper Sandler Neutral → Neutral $16
2025-01-29 main Piper Sandler Neutral → Neutral $16
2024-10-30 main Piper Sandler Neutral → Neutral $16
2024-07-31 main Piper Sandler Neutral → Neutral $14
2024-05-01 main Piper Sandler Neutral → Neutral $14
2021-01-29 down Janney Montgomery Scott Buy → Neutral —
2020-10-01 main Piper Sandler — → Overweight $14
2020-05-05 up Piper Sandler Neutral → Overweight $16
2020-02-11 init Piper Sandler — → Neutral $23
2020-01-29 up Janney Montgomery Scott Neutral → Buy $25
2019-02-05 up FIG Partners Market Perform → Outperform —
2016-07-29 main Keefe, Bruyette & Woods — → Market Perform $19
2015-12-17 down Piper Sandler Buy → Hold —
2015-05-01 main Keefe, Bruyette & Woods — → Market Perform $17
2015-04-30 down Compass Point Buy → Neutral $18
2015-01-28 main Keefe, Bruyette & Woods — → Market Perform $17
2014-08-06 up Raymond James Underperform → Market Perform —
2014-05-08 down Raymond James Market Perform → Underperform —
2014-05-01 main Compass Point — → Buy $16
2014-04-10 init Keefe, Bruyette & Woods — → Market Perform $16
News
RSS: Latest PROV news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-11-12 WERTZ GWENDOLYN L Officer — 4,800 $15.64 $75,072
2025-06-10 WERTZ GWENDOLYN L Officer — 1,940 $15.40 $29,876
2025-05-22 FAN PETER CHAI Chief Financial Officer — 7,500 $0.00 $0
2024-12-19 DEMIRDJIAN AVEDIS Officer — 5,000 $0.00 $0
2024-11-21 HARRIS GLEE ANN Officer — 5,000 $0.00 $0
2024-10-31 BLUNDEN CRAIG G Chairman of the Board — 1,059 $15.57 $16,489
2024-05-23 BRUNNER-SALTER LILIAN N Officer — 9,000 $0.00 $0
2024-05-23 TERNES DONAVON P Chief Executive Officer — 18,000 $0.00 $0
2024-05-23 WERTZ GWENDOLYN L Officer — 9,000 $0.00 $0
2024-05-23 WEIANT DAVID S Officer — 9,000 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Revenue
39.00
+0.35%
38.86
-5.35%
41.06
+13.08%
36.31
Operating Revenue
39.00
+0.35%
38.86
-5.35%
41.06
+13.08%
36.31
Selling General And Administration
20.46
+6.95%
19.13
+0.60%
19.02
+11.74%
17.02
Selling And Marketing Expense
0.71
+0.71%
0.71
+13.99%
0.62
-3.12%
0.64
Salaries And Wages
19.01
+7.73%
17.64
-0.54%
17.74
+12.03%
15.83
Reconciled Depreciation
3.49
+10.49%
3.15
-1.04%
3.19
-34.25%
4.85
Net Income
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Pretax Income
8.87
-14.58%
10.39
-16.34%
12.42
-3.44%
12.86
Net Interest Income
35.47
+1.56%
34.92
-5.58%
36.98
+17.06%
31.59
Interest Expense
21.16
+6.81%
19.81
+119.91%
9.01
+187.30%
3.13
Interest Income
56.62
+3.46%
54.73
+19.00%
45.99
+32.43%
34.73
Tax Provision
2.62
-13.77%
3.04
-20.61%
3.82
+1.57%
3.77
Tax Rate For Calcs
0.00
+1.05%
0.00
-5.19%
0.00
+5.12%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Net Income From Continuing Operation Net Minority Interest
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Net Income From Continuing And Discontinued Operation
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Net Income Continuous Operations
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Normalized Income
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Net Income Common Stockholders
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Diluted EPS
—
1.06
-10.92%
1.19
-2.46%
1.22
Basic EPS
—
1.06
-11.67%
1.20
-2.44%
1.23
Basic Average Shares
—
6.94
-2.80%
7.14
-3.52%
7.40
Diluted Average Shares
—
6.96
-3.23%
7.19
-3.45%
7.45
Diluted NI Availto Com Stockholders
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Insurance And Claims
0.74
-5.13%
0.78
+18.72%
0.66
+20.99%
0.54
Occupancy And Equipment
5.18
+5.74%
4.89
+6.44%
4.60
+2.86%
4.47
Other Non Interest Expense
3.58
+19.91%
2.98
-4.91%
3.14
+4.36%
3.01
Professional Expense And Contract Services Expense
1.58
+3.20%
1.53
+0.86%
1.52
+6.91%
1.42
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Assets
1,245.61
-2.09%
1,272.20
-4.56%
1,332.95
+12.29%
1,187.04
Cash And Cash Equivalents
53.09
+3.34%
51.38
-21.98%
65.85
+181.24%
23.41
Other Short Term Investments
0.07
-96.27%
1.85
-14.20%
2.15
-19.47%
2.68
Receivables
4.21
-1.68%
4.29
+15.52%
3.71
+25.12%
2.97
Accounts Receivable
4.21
-1.68%
4.29
+15.52%
3.71
+25.12%
2.97
Prepaid Assets
—
—
10.53
-30.63%
15.18
Net PPE
9.32
+0.12%
9.31
+0.89%
9.23
+4.59%
8.83
Gross PPE
24.08
+0.28%
24.02
+0.71%
23.85
+2.32%
23.31
Accumulated Depreciation
-14.76
-0.38%
-14.70
-0.60%
-14.62
-0.93%
-14.48
Land And Improvements
2.85
+0.00%
2.85
+0.00%
2.85
+0.00%
2.85
Buildings And Improvements
10.18
+0.45%
10.14
-1.70%
10.31
+4.19%
9.90
Machinery Furniture Equipment
5.71
+4.71%
5.46
+4.44%
5.23
-3.70%
5.43
Other Properties
1.89
+25.85%
1.50
-35.21%
2.32
+8.75%
2.14
Leases
3.44
-15.38%
4.07
+29.67%
3.13
+4.64%
3.00
Investments And Advances
111.01
-15.84%
131.90
-15.71%
156.49
-16.95%
188.42
Total Liabilities Net Minority Interest
1,117.07
-2.21%
1,142.26
-5.07%
1,203.26
+13.69%
1,058.39
Payables And Accrued Expenses
—
—
17.68
-1.14%
17.88
Payables
—
—
17.68
-1.14%
17.88
Accounts Payable
—
—
17.68
-1.14%
17.88
Long Term Debt And Capital Lease Obligation
213.07
-10.66%
238.50
+1.49%
235.01
+176.48%
85.00
Long Term Debt
213.00
-10.69%
238.50
+1.49%
235.01
+176.48%
85.00
Long Term Capital Lease Obligation
0.07
—
—
—
Stockholders Equity
128.54
-1.07%
129.94
+0.20%
129.69
+0.81%
128.65
Common Stock Equity
128.54
-1.07%
129.94
+0.20%
129.69
+0.81%
128.65
Capital Stock
0.18
+0.00%
0.18
+0.00%
0.18
+0.00%
0.18
Common Stock
0.18
+0.00%
0.18
+0.00%
0.18
+0.00%
0.18
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
18.23
+0.00%
18.23
+0.00%
18.23
+0.00%
18.23
Ordinary Shares Number
6.58
-3.94%
6.85
-2.77%
7.04
-3.32%
7.29
Treasury Shares Number
11.65
+2.37%
11.38
+1.75%
11.19
+2.21%
10.94
Additional Paid In Capital
99.15
+0.63%
98.53
-0.98%
99.50
+0.69%
98.83
Retained Earnings
212.40
+1.19%
209.91
+1.27%
207.27
+2.27%
202.68
Gains Losses Not Affecting Retained Earnings
0.02
+666.67%
-0.00
+92.11%
-0.04
-2000.00%
0.00
Treasury Stock
183.21
+2.53%
178.69
+0.82%
177.24
+2.42%
173.04
Other Equity Adjustments
0.02
+666.67%
-0.00
+92.11%
-0.04
-2000.00%
0.00
Total Equity Gross Minority Interest
128.54
-1.07%
129.94
+0.20%
129.69
+0.81%
128.65
Total Capitalization
341.55
-7.30%
368.44
+1.03%
364.70
+70.70%
213.65
Invested Capital
341.55
-7.30%
368.44
+1.03%
364.70
+70.70%
213.65
Total Debt
213.07
-10.66%
238.50
+1.49%
235.01
+176.48%
85.00
Net Debt
159.91
-14.54%
187.12
+10.62%
169.16
+174.67%
61.59
Capital Lease Obligations
0.07
—
—
—
Net Tangible Assets
128.54
-1.07%
129.94
+0.20%
129.69
+0.81%
128.65
Tangible Book Value
128.54
-1.07%
129.94
+0.20%
129.69
+0.81%
128.65
Available For Sale Securities
1.61
—
—
—
Cash Cash Equivalents And Federal Funds Sold
53.09
+3.34%
51.38
-21.98%
65.85
+181.24%
23.41
Held To Maturity Securities
109.33
-15.93%
130.05
-15.74%
154.34
-16.91%
185.75
Line Item Trend 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow
8.69
+52.77%
5.68
-65.18%
16.32
+38.43%
11.79
Cash Flow From Continuing Operating Activities
8.69
+52.77%
5.68
-65.18%
16.32
+38.43%
11.79
Net Income From Continuing Operations
6.25
-14.91%
7.35
-14.44%
8.59
-5.51%
9.09
Depreciation Amortization Depletion
3.49
+10.49%
3.15
-1.04%
3.19
-34.25%
4.85
Depreciation And Amortization
3.49
+10.49%
3.15
-1.04%
3.19
-34.25%
4.85
Stock Based Compensation
0.54
+126.25%
0.24
-79.75%
1.19
+48.50%
0.80
Deferred Tax
1.43
+2565.52%
-0.06
-104.71%
1.23
+7.98%
1.14
Deferred Income Tax
1.43
+2565.52%
-0.06
-104.71%
1.23
+7.98%
1.14
Unrealized Gain Loss On Investment Securities
-0.19
+64.81%
-0.54
0.00
—
Change In Working Capital
-2.17
+50.61%
-4.40
-350.71%
1.75
+208.00%
-1.62
Change In Prepaid Assets
-0.27
+86.71%
-2.00
-222.46%
1.63
+177.48%
-2.11
Change In Payables And Accrued Expense
-1.91
+20.51%
-2.40
-2082.64%
0.12
-75.00%
0.48
Change In Payable
-1.91
+20.51%
-2.40
-2082.64%
0.12
-75.00%
0.48
Change In Account Payable
-1.91
+20.51%
-2.40
-2082.64%
0.12
-75.00%
0.48
Investing Cash Flow
26.46
-41.28%
45.06
+141.00%
-109.90
-112.38%
-51.75
Cash Flow From Continuing Investing Activities
26.46
-41.28%
45.06
+141.00%
-109.90
-112.38%
-51.75
Net PPE Purchase And Sale
-0.53
+66.65%
-1.59
-114.44%
-0.74
-349.09%
-0.17
Purchase Of PPE
-0.53
+66.65%
-1.59
-114.44%
-0.74
-349.09%
-0.17
Sale Of PPE
—
—
—
—
Capital Expenditure
-0.53
+66.65%
-1.59
-114.44%
-0.74
-349.09%
-0.17
Net Investment Purchase And Sale
20.55
-14.76%
24.11
-22.43%
31.08
-15.59%
36.82
Purchase Of Investment
-0.98
0.00
0.00
+100.00%
-19.12
Sale Of Investment
21.53
-10.69%
24.11
-22.43%
31.08
-44.44%
55.94
Net Other Investing Changes
—
-0.06
+95.02%
-1.27
-1407.14%
-0.08
Financing Cash Flow
-33.43
+48.74%
-65.22
-147.95%
136.01
+2070.24%
-6.90
Cash Flow From Continuing Financing Activities
-33.43
+48.74%
-65.22
-147.95%
136.01
+2070.24%
-6.90
Net Issuance Payments Of Debt
-25.51
-830.79%
3.49
-97.67%
150.01
+1038.55%
-15.98
Issuance Of Debt
87.00
+1.75%
85.50
+31.54%
65.00
+1200.00%
5.00
Repayment Of Debt
-112.51
-37.19%
-82.01
-173.36%
-30.00
-42.97%
-20.98
Long Term Debt Issuance
87.00
+1.75%
85.50
+31.54%
65.00
0.00
Long Term Debt Payments
-77.51
-158.30%
-30.01
-0.03%
-30.00
-42.97%
-20.98
Net Long Term Debt Issuance
9.49
-82.90%
55.49
+58.55%
35.00
+266.80%
-20.98
Short Term Debt Issuance
—
—
115.01
+2200.18%
5.00
Short Term Debt Payments
-35.00
+32.69%
-52.00
—
—
Net Short Term Debt Issuance
-35.00
+32.69%
-52.00
-145.21%
115.01
+2200.18%
5.00
Net Common Stock Issuance
-4.45
-71.01%
-2.60
+44.04%
-4.65
-7.97%
-4.30
Common Stock Payments
-4.45
-71.01%
-2.60
+44.04%
-4.65
-7.97%
-4.30
Common Stock Dividend Paid
-3.77
+3.11%
-3.89
+2.78%
-4.00
+3.57%
-4.15
Cash Dividends Paid
-3.77
+3.11%
-3.89
+2.78%
-4.00
+3.57%
-4.15
Repurchase Of Capital Stock
-4.45
-71.01%
-2.60
+44.04%
-4.65
-7.97%
-4.30
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
-0.13
—
-0.42
—
Changes In Cash
1.71
+111.84%
-14.47
-134.11%
42.44
+190.56%
-46.86
Beginning Cash Position
51.38
-21.98%
65.85
+181.24%
23.41
-66.68%
70.27
End Cash Position
53.09
+3.34%
51.38
-21.98%
65.85
+181.24%
23.41
Free Cash Flow
8.15
+99.10%
4.10
-73.72%
15.58
+34.02%
11.63
Interest Paid Supplemental Data
21.40
+8.30%
19.76
+164.20%
7.48
+135.89%
3.17
Income Tax Paid Supplemental Data
1.92
-37.99%
3.09
+13.39%
2.73
+0.00%
2.73
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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