Provident Financial Holdings, Inc. (PROV)

Achilles Therapeutics Statistics

Total Valuation

PROV has a market cap or net worth of $101.63 million. The enterprise value is $260.69 million.

Market Cap	101.63M
Enterprise Value	260.69M

Important Dates

The last earnings date was Monday, July 28, 2025, before market open.

Earnings Date	Jul 28, 2025
Ex-Dividend Date	Aug 14, 2025

Share Statistics

PROV has 6.62 million shares outstanding. The number of shares has decreased by -2.85% in one year.

Current Share Class	6.62M
Shares Outstanding	6.62M
Shares Change (YoY)	-2.85%
Shares Change (QoQ)	-1.19%
Owned by Insiders (%)	12.61%
Owned by Institutions (%)	45.90%
Float	4.28M

Valuation Ratios

The trailing PE ratio is 16.51 and the forward PE ratio is 12.90.

PE Ratio	16.51
Forward PE	12.90
PS Ratio	2.58
Forward PS	n/a
PB Ratio	0.78
P/TBV Ratio	0.78
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	41.68
EV / Sales	6.57
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 4.84%.

Return on Equity (ROE)	4.84%
Return on Assets (ROA)	0.50%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$247,913
Profits Per Employee	$39,094
Employee Count	160
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PROV has paid $2.62 million in taxes.

Income Tax	2.62M
Effective Tax Rate	29.51%

Stock Price Statistics

The stock price has increased by +16.73% in the last 52 weeks. The beta is 0.35, so PROV's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	+16.73%
50-Day Moving Average	15.48
200-Day Moving Average	15.35
Relative Strength Index (RSI)	41.74
Average Volume (20 Days)	5,933

Short Selling Information

The latest short interest is 22,383, so 0.34% of the outstanding shares have been sold short.

Short Interest	22,383
Short Previous Month	27,992
Short % of Shares Out	0.34%
Short % of Float	0.52%
Short Ratio (days to cover)	3.23

Income Statement

In the last 12 months, PROV had revenue of $39.67 million and earned $6.26 million in profits. Earnings per share was $0.93.

Revenue	39.67M
Gross Profit	39.67M
Operating Income	9.61M
Pretax Income	10.45M
Net Income	6.26M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.93

Balance Sheet

The company has $53.09 million in cash and $213.07 million in debt, giving a net cash position of -$159.98 million or -$24.16 per share.

Cash & Cash Equivalents	53.09M
Total Debt	213.07M
Net Cash	-159.98M
Net Cash Per Share	-$24.16
Equity (Book Value)	128.55M
Book Value Per Share	19.54
Working Capital	-997.76M

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	24.23%
Pretax Margin	22.37%
Profit Margin	15.77%
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 3.65%.

Dividend Per Share	$0.56
Dividend Yield	3.65%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	60.22%
Buyback Yield	2.85%
Shareholder Yield	6.50%
Earnings Yield	6.21%
FCF Yield	n/a

Analyst Forecast

The average price target for PROV is $16.50, which is 7.49% higher than the current price. The consensus rating is "Hold".

Price Target	$16.50
Price Target Difference	7.49%
Analyst Consensus	Hold
Analyst Count	1
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