Provident Financial Holdings, Inc. (PROV)

PROV Statistics

Total Valuation

PROV has a market cap or net worth of $105.27 million. The enterprise value is $263.96 million.

Market Cap	105.27M
Enterprise Value	263.96M

Important Dates

The last earnings date was Tuesday, January 27, 2026, before market open.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Feb 12, 2026

Share Statistics

PROV has 6.47 million shares outstanding. The number of shares has decreased by -2.54% in one year.

Current Share Class	6.47M
Shares Outstanding	6.47M
Shares Change (YoY)	-2.54%
Shares Change (QoQ)	-1.49%
Owned by Insiders (%)	12.52%
Owned by Institutions (%)	51.64%
Float	4.65M

Valuation Ratios

The trailing PE ratio is 16.42.

PE Ratio	16.42
Forward PE	n/a
PS Ratio	2.62
Forward PS	2.45
PB Ratio	0.82
P/TBV Ratio	0.83
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	39.99
EV / Sales	6.47
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.15%.

Return on Equity (ROE)	5.15%
Return on Assets (ROA)	0.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.98%
Revenue Per Employee	$220,562
Profits Per Employee	$35,676
Employee Count	185
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PROV has paid $3.15 million in taxes.

Income Tax	3.15M
Effective Tax Rate	32.27%

Stock Price Statistics

The stock price has increased by +2.70% in the last 52 weeks. The beta is 0.31, so PROV's price volatility has been lower than the market average.

Beta (5Y)	0.31
52-Week Price Change	+2.70%
50-Day Moving Average	15.90
200-Day Moving Average	15.54
Relative Strength Index (RSI)	60.23
Average Volume (20 Days)	7,764

Short Selling Information

The latest short interest is 32,859, so 0.51% of the outstanding shares have been sold short.

Short Interest	32,859
Short Previous Month	19,626
Short % of Shares Out	0.51%
Short % of Float	0.71%
Short Ratio (days to cover)	4.92

Income Statement

In the last 12 months, PROV had revenue of $40.80 million and earned $6.60 million in profits. Earnings per share was $0.99.

Revenue	40.80M
Gross Profit	40.80M
Operating Income	10.45M
Pretax Income	9.75M
Net Income	6.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.99

Balance Sheet

The company has $54.37 million in cash and $213.06 million in debt, with a net cash position of -$158.69 million or -$24.51 per share.

Cash & Cash Equivalents	54.37M
Total Debt	213.06M
Net Cash	-158.69M
Net Cash Per Share	-$24.51
Equity (Book Value)	127.49M
Book Value Per Share	19.87
Working Capital	-951.53M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	25.62%
Pretax Margin	23.88%
Profit Margin	16.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 3.44%.

Dividend Per Share	$0.56
Dividend Yield	3.44%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	56.54%
Buyback Yield	2.54%
Shareholder Yield	5.99%
Earnings Yield	6.27%
FCF Yield	n/a

Analyst Forecast

The average price target for PROV is $16.25, which is -0.79% lower than the current price. The consensus rating is "Hold".

Price Target	$16.25
Price Target Difference	-0.79%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on February 3, 2004. It was a forward split with a ratio of 1.5:1.

Last Split Date	Feb 3, 2004
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2