Provident Financial Holdings, Inc. (PROV)

PROV Statistics

Total Valuation

PROV has a market cap or net worth of $109.01 million. The enterprise value is $235.94 million.

Market Cap	109.01M
Enterprise Value	235.94M

Important Dates

The last earnings date was Tuesday, April 28, 2026, before market open.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	May 14, 2026

Share Statistics

PROV has 6.38 million shares outstanding. The number of shares has decreased by -3.44% in one year.

Current Share Class	6.38M
Shares Outstanding	6.38M
Shares Change (YoY)	-3.44%
Shares Change (QoQ)	-1.28%
Owned by Insiders (%)	9.31%
Owned by Institutions (%)	48.01%
Float	4.42M

Valuation Ratios

The trailing PE ratio is 18.37 and the forward PE ratio is 14.49.

PE Ratio	18.37
Forward PE	14.49
PS Ratio	2.74
Forward PS	n/a
PB Ratio	0.85
P/TBV Ratio	0.86
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	38.70
EV / Sales	5.92
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 4.77%.

Return on Equity (ROE)	4.77%
Return on Assets (ROA)	0.49%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.26%
Revenue Per Employee	$215,373
Profits Per Employee	$32,957
Employee Count	185
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PROV has paid $2.91 million in taxes.

Income Tax	2.91M
Effective Tax Rate	32.27%

Stock Price Statistics

The stock price has increased by +11.47% 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	+11.47%
50-Day Moving Average	16.48
200-Day Moving Average	15.88
Relative Strength Index (RSI)	64.31
Average Volume (20 Days)	9,095

Short Selling Information

The latest short interest is 33,832, so 0.53% of the outstanding shares have been sold short.

Short Interest	33,832
Short Previous Month	33,509
Short % of Shares Out	0.53%
Short % of Float	0.77%
Short Ratio (days to cover)	2.95

Income Statement

In the last 12 months, PROV had revenue of $39.84 million and earned $6.10 million in profits. Earnings per share was $0.93.

Revenue	39.84M
Gross Profit	39.84M
Operating Income	9.67M
Pretax Income	9.00M
Net Income	6.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.93

Balance Sheet

The company has $57.13 million in cash and $184.05 million in debt, with a net cash position of -$126.93 million or -$19.91 per share.

Cash & Cash Equivalents	57.13M
Total Debt	184.05M
Net Cash	-126.93M
Net Cash Per Share	-$19.91
Equity (Book Value)	126.57M
Book Value Per Share	20.02
Working Capital	195.54M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.28%
Pretax Margin	22.59%
Profit Margin	15.30%
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 3.27%.

Dividend Per Share	$0.56
Dividend Yield	3.27%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	60.18%
Buyback Yield	3.44%
Shareholder Yield	6.71%
Earnings Yield	5.59%
FCF Yield	n/a

Analyst Forecast

The average price target for PROV is $16.25, which is -4.97% lower than the current price. The consensus rating is "Hold".

Price Target	$16.25
Price Target Difference	-4.97%
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