PROV
Provident Financial Holdings, Inc.
Price Chart
Latest Quote
$16.84
-0.25 (-1.46%)
Current Price
| Previous Close | $17.09 |
| Open | $17.09 |
| Day High | $17.25 |
| Day Low | $16.84 |
| Volume | 10,988 |
Stock Information
| Quarterly Dividend / Yield | $0.56 / 3.33% |
| Shares Outstanding | 6.25M |
| Quarterly Dividend Yield | 3.33% |
| Quarterly Dividend | $0.56 |
| Total Debt | $186.56M |
| Cash Equivalents | $57.13M |
| Revenue | $39.60M |
| Net Income | $6.10M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $105.31M |
| P/E Ratio | 18.11 |
| EPS (TTM) | $0.93 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $234.74M |
| Sales | $39.60M |
| Income | $6.10M |
| Book/sh | $20.02 |
| Cash/sh | $9.13 |
| Employees | 95 |
Financial Ratios
| EPS Growth TTM | -27.10% |
Returns & Margins
| ROA | 0.49% |
| ROE | 4.77% |
| Operating Margin | 21.65% |
| Profit Margin | 15.39% |
Ownership
| Insider Ownership | 20.52% |
| Institutional Ownership | 51.72% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 12.85 |
| PEG | 4.00 |
| P/S | 2.66 |
| P/B | 0.84 |
Analyst Data
| Recommendation | hold |
| Target Price | $16.50 |
Technical Indicators
| SMA20 | $17.03 |
| SMA50 | $16.99 |
| SMA200 | $15.92 |
| RSI | 45.13 |
| ATR | 0.3221 |
| Shares Float | 4.28M |
| Short Float | 0.80% |
| Short Ratio | 5.67 |
| Volatility | 0.33 |
| Rel Volume | 1.35 |
Performance History
| Week | -0.77% |
| Month | -0.94% |
| Quarter | +5.46% |
| 6 Months | +6.38% |
| YTD | +7.18% |
| Year | +13.33% |
| 3 Years | +53.01% |
| 5 Years | +17.81% |
| 10 Years | +32.96% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $16.84 | 11,000 |
| 2026-06-17 | $17.09 | 4,800 |
| 2026-06-16 | $17.02 | 4,100 |
| 2026-06-15 | $17.01 | 7,700 |
| 2026-06-12 | $17.11 | 5,400 |
| 2026-06-11 | $16.97 | 6,400 |
| 2026-06-10 | $17.06 | 9,800 |
| 2026-06-09 | $17.06 | 8,400 |
| 2026-06-08 | $16.79 | 12,300 |
| 2026-06-05 | $16.92 | 12,900 |
| 2026-06-04 | $16.92 | 12,700 |
| 2026-06-03 | $16.90 | 6,200 |
| 2026-06-02 | $16.91 | 12,200 |
| 2026-06-01 | $16.95 | 10,000 |
| 2026-05-29 | $16.95 | 11,500 |
| 2026-05-28 | $17.11 | 8,300 |
| 2026-05-27 | $17.25 | 1,300 |
| 2026-05-26 | $17.20 | 6,400 |
| 2026-05-22 | $17.23 | 4,100 |
| 2026-05-21 | $17.22 | 7,900 |
| 2026-05-20 | $17.11 | 8,400 |
| 2026-05-19 | $17.00 | 2,400 |
About Provident Financial Holdings, Inc.
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.
đ° Latest News
Why It Might Not Make Sense To Buy Provident Financial Holdings, Inc. (NASDAQ:PROV) For Its Upcoming Dividend
Simply Wall St. âĸ 2026-05-11T11:12:51Z
Provident Financial Q3 Earnings Call Highlights
MarketBeat âĸ 2026-04-29T20:30:27Z
Provident Financial Holdings, Inc. (NASDAQ:PROV) Stock Goes Ex-Dividend In Just Two Days
Simply Wall St. âĸ 2026-02-09T10:17:10Z
Provident Financial Q2 Earnings Call Highlights
MarketBeat âĸ 2026-01-29T01:00:06Z
Provident Financial Holdings Inc (PROV) Q2 2026 Earnings Call Highlights: Strong Loan ...
GuruFocus.com âĸ 2026-01-28T23:01:24ZProvident Financial: Fiscal Q2 Earnings Snapshot
Associated Press Finance âĸ 2026-01-27T11:09:06ZProvident Financial Holdings Inc (PROV) Q1 2026 Earnings Call Highlights: Navigating Loan ...
GuruFocus.com âĸ 2025-11-05T01:09:58ZProvident Financial Holdings (PROV) Margin Decline Challenges Premium Valuation and Dividend Narrative
Simply Wall St. âĸ 2025-10-30T09:15:09Z
Institutional investors own a significant stake of 46% in Provident Financial Holdings, Inc. (NASDAQ:PROV)
Simply Wall St. âĸ 2025-10-28T14:42:25Z
Provident Financial (PROV) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2025-10-28T13:30:05Z
Period:
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Income Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $39,000,000 | $38,864,000 | $41,060,000 | $36,311,000 |
| Operating Revenue | $39,000,000 | $38,864,000 | $41,060,000 | $36,311,000 |
| Expenses | ||||
| Interest Expense | $21,155,000 | $19,807,000 | $9,007,000 | $3,135,000 |
| Selling And Marketing Expense | $714,000 | $709,000 | $622,000 | $642,000 |
| Professional Expense And Contract Services Expense | $1,579,000 | $1,530,000 | $1,517,000 | $1,419,000 |
| Other Non Interest Expense | $3,578,000 | $2,984,000 | $3,138,000 | $3,007,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Interest Income | $35,469,000 | $34,923,000 | $36,985,000 | $31,595,000 |
| Interest Income | $56,624,000 | $54,730,000 | $45,992,000 | $34,730,000 |
| Normalized Income | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Income From Continuing And Discontinued Operation | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Income Common Stockholders | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Income | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Income Including Noncontrolling Interests | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Net Income Continuous Operations | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Pretax Income | $8,873,000 | $10,387,000 | $12,416,000 | $12,858,000 |
| Per Share | ||||
| Diluted EPS | - | $1.06 | $1.19 | $1.22 |
| Basic EPS | - | $1.06 | $1.20 | $1.23 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $3,486,000 | $3,155,000 | $3,188,000 | $4,849,000 |
| Diluted NI Availto Com Stockholders | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Tax Provision | $2,618,000 | $3,036,000 | $3,824,000 | $3,765,000 |
| Selling General And Administration | $20,460,000 | $19,131,000 | $19,016,000 | $17,018,000 |
| Insurance And Claims | $740,000 | $780,000 | $657,000 | $543,000 |
| Salaries And Wages | $19,006,000 | $17,642,000 | $17,737,000 | $15,833,000 |
| Occupancy And Equipment | $5,176,000 | $4,895,000 | $4,599,000 | $4,471,000 |
| Diluted Average Shares | - | $6,959,143 | $7,191,685 | $7,449,004 |
| Basic Average Shares | - | $6,942,918 | $7,143,273 | $7,404,089 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $128,545,000 | $129,941,000 | $129,687,000 | $128,650,000 |
| Total Assets | $1,245,613,000 | $1,272,200,000 | $1,332,948,000 | $1,187,038,000 |
| Receivables | $4,215,000 | $4,287,000 | $3,711,000 | $2,966,000 |
| Accounts Receivable | $4,215,000 | $4,287,000 | $3,711,000 | $2,966,000 |
| Cash And Cash Equivalents | $53,090,000 | $51,376,000 | $65,849,000 | $23,414,000 |
| Cash Cash Equivalents And Federal Funds Sold | $53,090,000 | $51,376,000 | $65,849,000 | $23,414,000 |
| Prepaid Assets | - | - | $10,531,000 | $15,180,000 |
| Debt | ||||
| Net Debt | $159,910,000 | $187,124,000 | $169,160,000 | $61,586,000 |
| Total Debt | $213,073,000 | $238,500,000 | $235,009,000 | $85,000,000 |
| Long Term Debt And Capital Lease Obligation | $213,073,000 | $238,500,000 | $235,009,000 | $85,000,000 |
| Long Term Debt | $213,000,000 | $238,500,000 | $235,009,000 | $85,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,117,068,000 | $1,142,259,000 | $1,203,261,000 | $1,058,388,000 |
| Payables And Accrued Expenses | - | - | $17,681,000 | $17,884,000 |
| Payables | - | - | $17,681,000 | $17,884,000 |
| Accounts Payable | - | - | $17,681,000 | $17,884,000 |
| Equity | ||||
| Common Stock Equity | $128,545,000 | $129,941,000 | $129,687,000 | $128,650,000 |
| Total Equity Gross Minority Interest | $128,545,000 | $129,941,000 | $129,687,000 | $128,650,000 |
| Stockholders Equity | $128,545,000 | $129,941,000 | $129,687,000 | $128,650,000 |
| Gains Losses Not Affecting Retained Earnings | $17,000 | $-3,000 | $-38,000 | $2,000 |
| Other Equity Adjustments | $17,000 | $-3,000 | $-38,000 | $2,000 |
| Retained Earnings | $212,403,000 | $209,914,000 | $207,274,000 | $202,680,000 |
| Other | ||||
| Treasury Shares Number | $11,651,897 | $11,381,794 | $11,186,445 | $10,944,431 |
| Ordinary Shares Number | $6,577,718 | $6,847,821 | $7,043,170 | $7,285,184 |
| Share Issued | $18,229,615 | $18,229,615 | $18,229,615 | $18,229,615 |
| Tangible Book Value | $128,545,000 | $129,941,000 | $129,687,000 | $128,650,000 |
| Invested Capital | $341,545,000 | $368,441,000 | $364,696,000 | $213,650,000 |
| Capital Lease Obligations | $73,000 | - | - | - |
| Total Capitalization | $341,545,000 | $368,441,000 | $364,696,000 | $213,650,000 |
| Treasury Stock | $183,207,000 | $178,685,000 | $177,237,000 | $173,041,000 |
| Additional Paid In Capital | $99,149,000 | $98,532,000 | $99,505,000 | $98,826,000 |
| Capital Stock | $183,000 | $183,000 | $183,000 | $183,000 |
| Common Stock | $183,000 | $183,000 | $183,000 | $183,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $73,000 | - | - | - |
| Investments And Advances | $111,006,000 | $131,900,000 | $156,492,000 | $188,421,000 |
| Held To Maturity Securities | $109,330,000 | $130,051,000 | $154,337,000 | $185,745,000 |
| Available For Sale Securities | $1,607,000 | - | - | - |
| Net PPE | $9,324,000 | $9,313,000 | $9,231,000 | $8,826,000 |
| Accumulated Depreciation | $-14,760,000 | $-14,704,000 | $-14,617,000 | $-14,482,000 |
| Gross PPE | $24,084,000 | $24,017,000 | $23,848,000 | $23,308,000 |
| Leases | $3,440,000 | $4,065,000 | $3,135,000 | $2,996,000 |
| Other Properties | $1,894,000 | $1,505,000 | $2,323,000 | $2,136,000 |
| Machinery Furniture Equipment | $5,715,000 | $5,458,000 | $5,226,000 | $5,427,000 |
| Buildings And Improvements | $10,182,000 | $10,136,000 | $10,311,000 | $9,896,000 |
| Land And Improvements | $2,853,000 | $2,853,000 | $2,853,000 | $2,853,000 |
| Other Short Term Investments | $69,000 | $1,849,000 | $2,155,000 | $2,676,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $8,155,000 | $4,096,000 | $15,584,000 | $11,628,000 |
| Operating Activities | ||||
| Operating Cash Flow | $8,685,000 | $5,685,000 | $16,325,000 | $11,793,000 |
| Cash Flow From Continuing Operating Activities | $8,685,000 | $5,685,000 | $16,325,000 | $11,793,000 |
| Investing Activities | ||||
| Capital Expenditure | $-530,000 | $-1,589,000 | $-741,000 | $-165,000 |
| Investing Cash Flow | $26,459,000 | $45,062,000 | $-109,896,000 | $-51,746,000 |
| Cash Flow From Continuing Investing Activities | $26,459,000 | $45,062,000 | $-109,896,000 | $-51,746,000 |
| Net Other Investing Changes | - | $-63,000 | $-1,266,000 | $-84,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,448,000 | $-2,601,000 | $-4,648,000 | $-4,305,000 |
| Financing Cash Flow | $-33,430,000 | $-65,220,000 | $136,006,000 | $-6,903,000 |
| Cash Flow From Continuing Financing Activities | $-33,430,000 | $-65,220,000 | $136,006,000 | $-6,903,000 |
| Net Other Financing Charges | $-128,000 | - | $-424,000 | - |
| Cash Dividends Paid | $-3,766,000 | $-3,887,000 | $-3,998,000 | $-4,146,000 |
| Common Stock Dividend Paid | $-3,766,000 | $-3,887,000 | $-3,998,000 | $-4,146,000 |
| Net Common Stock Issuance | $-4,448,000 | $-2,601,000 | $-4,648,000 | $-4,305,000 |
| Other | ||||
| Repayment Of Debt | $-112,512,000 | $-82,009,000 | $-30,000,000 | $-20,983,000 |
| Issuance Of Debt | $87,000,000 | $85,500,000 | $65,000,000 | $5,000,000 |
| Interest Paid Supplemental Data | $21,403,000 | $19,762,000 | $7,480,000 | $3,171,000 |
| Income Tax Paid Supplemental Data | $1,916,000 | $3,090,000 | $2,725,000 | $2,725,000 |
| End Cash Position | $53,090,000 | $51,376,000 | $65,849,000 | $23,414,000 |
| Beginning Cash Position | $51,376,000 | $65,849,000 | $23,414,000 | $70,270,000 |
| Changes In Cash | $1,714,000 | $-14,473,000 | $42,435,000 | $-46,856,000 |
| Common Stock Payments | $-4,448,000 | $-2,601,000 | $-4,648,000 | $-4,305,000 |
| Net Issuance Payments Of Debt | $-25,512,000 | $3,491,000 | $150,009,000 | $-15,983,000 |
| Net Short Term Debt Issuance | $-35,000,000 | $-52,000,000 | $115,009,000 | $5,000,000 |
| Short Term Debt Payments | $-35,000,000 | $-52,000,000 | - | - |
| Net Long Term Debt Issuance | $9,488,000 | $55,491,000 | $35,000,000 | $-20,983,000 |
| Long Term Debt Payments | $-77,512,000 | $-30,009,000 | $-30,000,000 | $-20,983,000 |
| Long Term Debt Issuance | $87,000,000 | $85,500,000 | $65,000,000 | $0 |
| Net Investment Purchase And Sale | $20,552,000 | $24,110,000 | $31,081,000 | $36,823,000 |
| Sale Of Investment | $21,533,000 | $24,110,000 | $31,081,000 | $55,943,000 |
| Purchase Of Investment | $-981,000 | $0 | $0 | $-19,120,000 |
| Net PPE Purchase And Sale | $-530,000 | $-1,589,000 | $-741,000 | $-165,000 |
| Purchase Of PPE | $-530,000 | $-1,589,000 | $-741,000 | $-165,000 |
| Change In Working Capital | $-2,173,000 | $-4,400,000 | $1,755,000 | $-1,625,000 |
| Change In Payables And Accrued Expense | $-1,907,000 | $-2,399,000 | $121,000 | $484,000 |
| Change In Payable | $-1,907,000 | $-2,399,000 | $121,000 | $484,000 |
| Change In Account Payable | $-1,907,000 | $-2,399,000 | $121,000 | $484,000 |
| Change In Prepaid Assets | $-266,000 | $-2,001,000 | $1,634,000 | $-2,109,000 |
| Stock Based Compensation | $543,000 | $240,000 | $1,185,000 | $798,000 |
| Unrealized Gain Loss On Investment Securities | $-190,000 | $-540,000 | $0 | - |
| Deferred Tax | $1,430,000 | $-58,000 | $1,231,000 | $1,140,000 |
| Deferred Income Tax | $1,430,000 | $-58,000 | $1,231,000 | $1,140,000 |
| Depreciation Amortization Depletion | $3,486,000 | $3,155,000 | $3,188,000 | $4,849,000 |
| Depreciation And Amortization | $3,486,000 | $3,155,000 | $3,188,000 | $4,849,000 |
| Net Income From Continuing Operations | $6,255,000 | $7,351,000 | $8,592,000 | $9,093,000 |
| Short Term Debt Issuance | - | - | $115,009,000 | $5,000,000 |
| Proceeds From Stock Option Exercised | - | - | - | $0 |
| Sale Of PPE | - | - | - | - |
Fetched: 2026-06-18