Provident Financial Holdings, Inc. (PROV)
NASDAQ: PROV · Real-Time Price · USD
17.16
+0.07 (0.41%)
Jun 18, 2026, 2:36 PM EDT - Market open

PROV Statistics

Total Valuation

PROV has a market cap or net worth of $107.31 million. The enterprise value is $236.31 million.

Market Cap107.31M
Enterprise Value 236.31M

Important Dates

The next estimated earnings date is Monday, July 27, 2026, before market open.

Earnings Date Jul 27, 2026
Ex-Dividend Date May 14, 2026

Share Statistics

PROV has 6.25 million shares outstanding. The number of shares has decreased by -3.76% in one year.

Current Share Class 6.25M
Shares Outstanding 6.25M
Shares Change (YoY) -3.76%
Shares Change (QoQ) -1.29%
Owned by Insiders (%) 9.53%
Owned by Institutions (%) 49.07%
Float 4.28M

Valuation Ratios

The trailing PE ratio is 18.42 and the forward PE ratio is 14.53.

PE Ratio 18.42
Forward PE 14.53
PS Ratio 2.70
Forward PS 2.54
PB Ratio 0.85
P/TBV Ratio 0.84
P/FCF Ratio 14.45
P/OCF Ratio 13.22
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 38.76
EV / Sales 5.97
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 31.95

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 25.22
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) 2.20%
Revenue Per Employee $214,081
Profits Per Employee $32,957
Employee Count185
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 +11.40% in the last 52 weeks. The beta is 0.32, so PROV's price volatility has been lower than the market average.

Beta (5Y) 0.32
52-Week Price Change +11.40%
50-Day Moving Average 17.06
200-Day Moving Average 16.15
Relative Strength Index (RSI) 57.02
Average Volume (20 Days) 7,724

Short Selling Information

The latest short interest is 38,838, so 0.62% of the outstanding shares have been sold short.

Short Interest 38,838
Short Previous Month 38,358
Short % of Shares Out 0.62%
Short % of Float 0.91%
Short Ratio (days to cover) 5.67

Income Statement

In the last 12 months, PROV had revenue of $39.61 million and earned $6.10 million in profits. Earnings per share was $0.93.

Revenue39.61M
Gross Profit 39.61M
Operating Income 9.43M
Pretax Income 9.00M
Net Income 6.10M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $0.93
Full Income Statement

Balance Sheet

The company has $57.13 million in cash and $186.56 million in debt, with a net cash position of -$129.43 million or -$20.70 per share.

Cash & Cash Equivalents 57.13M
Total Debt 186.56M
Net Cash -129.43M
Net Cash Per Share -$20.70
Equity (Book Value) 126.57M
Book Value Per Share 20.02
Working Capital -921.78M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $8.09 million and capital expenditures -$689,000, giving a free cash flow of $7.40 million.

Operating Cash Flow 8.09M
Capital Expenditures -689,000
Depreciation & Amortization n/a
Net Borrowing -31.53M
Free Cash Flow 7.40M
FCF Per Share $1.18
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 23.82%
Pretax Margin 22.73%
Profit Margin 15.39%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 18.67%

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 60.17%
Buyback Yield 3.76%
Shareholder Yield 7.05%
Earnings Yield 5.70%
FCF Yield 6.92%
Dividend Details

Analyst Forecast

The average price target for PROV is $16.50, which is -3.85% lower than the current price. The consensus rating is "Hold".

Price Target $16.50
Price Target Difference -3.85%
Analyst Consensus Hold
Analyst Count 1
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) 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 4