Provident Financial Holdings, Inc. (PROV) AI Stock Analysis

Provident Financial Holdings, Inc. serves as the holding company for Provident Savings Bank, F.S.B., delivering community banking services in the Inland Empire region of Southern California. Founded in 1956 and based in Riverside, California, the bank operates 12 full-service offices in Riverside County and one in San Bernardino County. Its services include deposit accounts such as checking, savings, money market accounts, and time deposits. Its lending activities cover single-family and multi-family residential mortgages, commercial real estate loans, construction financing, commercial business loans, and consumer loans. It also provides investment services, including annuities and mutual funds, alongside real estate trustee services.

Provident Financial Holdings grew its revenue at a 5-year CAGR of 8.4% through FY2026. Annual revenue moved from $39.4M in FY2022 to $58.7M in FY2024, reaching $60.2M in FY2025 before declining 0.9% to $59.6M in FY2026. Net margin contracted from 23.1% in FY2022 to 11.2% in FY2026, while net income settled at $6.7M and EPS reached $1.03. For the latest quarter ended June 30, 2026, quarterly revenue grew 10.3% year-over-year, and quarterly earnings grew 41.6% year-over-year. TTM revenue stood at $40.6M with an operating margin of 29.0% and a net profit margin of 16.4%.

As of June 30, 2026, the company held $49.2M in cash and short-term investments against total debt of $157.0M, resulting in net debt of $107.8M. Total assets stood at $1.21B and shareholders' equity reached $126.2M, with a debt-to-equity ratio of 1.24 and a current ratio of 0.48. In FY2026, operating cash flow was $9.0M and free cash flow was $8.5M after capital expenditures of $432,000. Capital allocation during the year included $6.0M for share buybacks and $3.6M in dividends paid, contributing to a 5-year share count change of -13.8%.

PROV closed at $18.15 on October 16, 2026, giving it a market cap of $112.5M and an enterprise value of $223.1M. The stock trades at a trailing P/E of 17.6x, above the 12.1x median of its US-listed Financial Services peers, and a forward P/E of 10.2x compared to the peer median of 10.8x. Its price-to-book multiple is 0.9x and its price-to-sales ratio is 2.8x compared to the peer median of 3.2x. Over the past year, PROV produced a 20.3% return, outpacing the 16.8% return of SPY, though its 5-year return of 30.8% trailed SPY's 83.0%.

Provident Financial Holdings pays an annualized forward dividend of $0.56 per share, yielding 3.09% with a payout ratio of 54.4%. Dividends are distributed quarterly and have been paid for 25 consecutive years. The 5-year annualized dividend growth rate is 0.0%, and the last ex-dividend date was August 13, 2026.

Wall Street coverage includes 2 Hold ratings, with zero Buy or Sell ratings. The mean price target is $18.50, representing a 1.9% premium over the last close of $18.15. For the current fiscal year ending June 30, 2027, the consensus estimates an EPS of $1.22, implying 18.4% EPS growth, on revenue of $41.4M. For FY2028, consensus calls for an EPS of $1.27 on revenue of $41.5M. The bank has beaten EPS estimates in 1 of the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of Provident Financial Holdings, Inc. (PROV). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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