Provident Financial Holdings, Inc. (PROV)

PROV Statistics

Total Valuation

PROV has a market cap or net worth of $100.04 million. The enterprise value is $263.70 million.

Market Cap	100.04M
Enterprise Value	263.70M

Important Dates

The last earnings date was Tuesday, October 28, 2025, before market open.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Nov 13, 2025

Share Statistics

PROV has 6.58 million shares outstanding. The number of shares has decreased by -3.13% in one year.

Current Share Class	6.58M
Shares Outstanding	6.58M
Shares Change (YoY)	-3.13%
Shares Change (QoQ)	-0.41%
Owned by Insiders (%)	12.23%
Owned by Institutions (%)	45.10%
Float	4.36M

Valuation Ratios

The trailing PE ratio is 16.93 and the forward PE ratio is 12.27.

PE Ratio	16.93
Forward PE	12.27
PS Ratio	2.54
Forward PS	2.34
PB Ratio	0.77
P/TBV Ratio	0.78
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	43.69
EV / Sales	6.62
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 4.68%.

Return on Equity (ROE)	4.68%
Return on Assets (ROA)	0.49%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$215,259
Profits Per Employee	$32,627
Employee Count	185
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PROV has paid $2.88 million in taxes.

Income Tax	2.88M
Effective Tax Rate	32.32%

Stock Price Statistics

The stock price has decreased by -3.43% in the last 52 weeks. The beta is 0.33, so PROV's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	-3.43%
50-Day Moving Average	15.66
200-Day Moving Average	15.29
Relative Strength Index (RSI)	33.15
Average Volume (20 Days)	6,085

Short Selling Information

The latest short interest is 22,128, so 0.34% of the outstanding shares have been sold short.

Short Interest	22,128
Short Previous Month	22,765
Short % of Shares Out	0.34%
Short % of Float	0.51%
Short Ratio (days to cover)	2.17

Income Statement

In the last 12 months, PROV had revenue of $39.82 million and earned $6.04 million in profits. Earnings per share was $0.90.

Revenue	39.82M
Gross Profit	39.82M
Operating Income	9.64M
Pretax Income	8.92M
Net Income	6.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.90

Balance Sheet

The company has $49.41 million in cash and $213.07 million in debt, giving a net cash position of -$163.66 million or -$24.88 per share.

Cash & Cash Equivalents	49.41M
Total Debt	213.07M
Net Cash	-163.66M
Net Cash Per Share	-$24.88
Equity (Book Value)	128.37M
Book Value Per Share	19.72
Working Capital	-1.00B

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	24.21%
Pretax Margin	22.40%
Profit Margin	15.16%
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 3.66%.

Dividend Per Share	$0.56
Dividend Yield	3.66%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	62.32%
Buyback Yield	3.13%
Shareholder Yield	6.81%
Earnings Yield	6.03%
FCF Yield	n/a

Analyst Forecast

The average price target for PROV is $16.25, which is 6.84% higher than the current price. The consensus rating is "Hold".

Price Target	$16.25
Price Target Difference	6.84%
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