NMS · Banks - Regional

Provident Financial Holdings, Inc. (PROV) Stock

$18.26 -1.19% NMS: PROV Financial Services

Valuation

MetricValue
Price$18.26
Market Cap$114.19M
P/E Ratio17.78
P/B Ratio0.92
P/S Ratio1.92
EPS (TTM)$0.93
52-Week High$18.99
52-Week Low$14.95
Dividend Yield3.06%

Financials & Margins

MetricValue
ROE5.23%
ROA0.55%
ROCE0.88%
Gross Margin15.00%
Operating Margin15.00%
Net Margin11.16%
Debt/Equity1.47
Current Ratio0.06

Annual Financials (USD)

Metric20222023202420252026
Revenue$39.0M$50.0M$59.0M$60.0M$60.0M
Operating Profit$13.0M$12.0M$10.0M$9.0M$10.0M
Net Profit$9.0M$9.0M$7.0M$6.0M$7.0M
EPS$1.22$1.19$1.06$0.93$1.03
Op Margin32.6%24.8%17.7%14.8%16.2%

Balance Sheet (USD)

Metric20222023202420252026
Total Assets$1.2B$1.3B$1.3B$1.2B$1.2B
Total Liabilities$1.1B$1.2B$1.1B$1.1B$1.1B
Cash$23.0M$66.0M$51.0M$53.0M$49.0M
Borrowings$85.0M$235.0M$239.0M$213.0M$157.0M

Latest News

Why It Might Not Make Sense To Buy Provident Financial Holdings, Inc. (NASDAQ:PROV) For Its Upcoming Dividend Simply Wall St. · May 11, 2026 Provident Bank Celebrates 70 Years of Community Impact with Over $984,000 Donated to Local Nonprofits Since 2006 Through Its Community Partnership Program GlobeNewswire · Apr 30, 2026 Provident Financial Q3 Earnings Call Highlights MarketBeat · Apr 29, 2026 Provident Financial Holdings Inc (PROV) Q3 2026 Earnings Report Preview: What to Expect GuruFocus.com · Apr 28, 2026 Provident Financial: Fiscal Q3 Earnings Snapshot Associated Press · Apr 28, 2026

Cash Flow (USD)

Metric20222023202420252026
Operating Cash Flow$12.0M$16.0M$6.0M$9.0M$9.0M
Investing Cash Flow$-52.0M$-111.0M$43.0M$26.0M$31.0M
Financing Cash Flow$13.0M$-10.0M$-65.0M$-4.0M$15.0M
Net Cash Flow$-47.0M$42.0M$-14.0M$2.0M$-4.0M
Free Cash Flow$12.0M$16.0M$4.0M$8.0M$9.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.86
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y13.33%
Return 3Y40.73%
Return 5Y18.75%

Ownership

Insiders Held20.60%
Institutions Held51.73%
Institutions Float Held65.16%
Institutional HolderSharesReport Date
Dimensional Fund Advisors LP490,4102026-03-31
Raffles Associates Lp391,1182026-03-31
Fourthstone LLC365,6322026-03-31
Manufacturers Life Insurance Co.306,4342026-03-31
M3F, Inc.284,5942026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFBI $22.98 +0.13% 17.43 $140.06M 0.00%
AUBNAuburn National Bancorporation, Inc. $26.54 -1.63% 11.19 $92.71M 4.00%
FGBIFirst Guaranty Bancshares, Inc. $8.34 -1.65% -3.22 $137.94M 0.48%
IROQIF Bancorp, Inc. $26.55 +0.00% 16.59 $88.98M 1.51%
LSBKLake Shore Bancorp, Inc. $18.25 +1.16% 16.13 $143.51M 1.99%

About Provident Financial Holdings, Inc.

Provident Financial Holdings, Inc. is led by CEO Donavon Ternes, employs 94 people, headquartered in US, publicly traded since 1996.

Provident Financial Holdings, Inc. (PROV) stock trades at $18.26 with a market capitalization of $114.19M. The stock is valued at a price-to-earnings (P/E) ratio of 17.78, price-to-book of 0.92, price-to-sales of 1.92. Over the past 52 weeks the stock has ranged between $14.95 and $18.99, and currently trades 3.8% below its 52-week high. It pays a dividend yielding 3.06%.

On profitability, Provident Financial Holdings, Inc. generates a return on equity (ROE) of 5.23%, return on capital employed of 0.88%, an operating margin of 15.00%, a net profit margin of 11.16%.

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