8-K Announcements
6Material company update
May 28, 2026·SEC
Material company update
Apr 28, 2026·SEC
Material company update
Apr 24, 2026·SEC
Provident Financial Holdings, Inc.(PROV)Earnings, Financials & Key Ratios
PROV•NASDAQ•Banking & Credit
$17.11
18.4× P/E·Price updated Jul 7, 2026
AboutProvident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.Show more
- Net Interest Income$35M+1.6%
- Total Revenue$60M+2.5%
- Net Income$6M-14.9%
- Return on Equity4.84%-14.5%
- Net Interest Margin2.85%+3.7%
- Efficiency Ratio51.19%+5.2%
- ROA0.5%-11.9%
- Equity / Assets10.32%+1.0%
- Book Value per Share19.01+1.8%
PROV Price & Volume
Provident Financial Holdings, Inc. (PROV) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Limits Regional Banking Upside
Investment Thesis • Updated 2026Q3
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Localized geographic concentration risk
Key Thesis Takeaways
- Provident Financial Holdings faces significant structural headwinds as its net interest margin remains locked at 0.7% over the last ten quarters, reflecting an inability to scale profitably in the Inland Empire.
- The bank's heavy reliance on a $1.1 billion investment securities portfolio rather than organic loan growth, combined with a dividend payout that frequently consumes a large portion of its $1.4 million quarterly net income, limits its capacity for long-term capital appreciation.
- Investors should remain cautious as the bank's geographic concentration and operational rigidity, evidenced by an efficiency ratio fluctuating between 46.6% and 53.5%, suggest limited catalysts for near-term earnings expansion.
Verdict Logic
the bank's inability to grow its asset base beyond $1.2 billion and its persistent 0.7% net interest margin suggest a lack of fundamental momentum for investors.
PROV Growth Metrics
Provident Financial Holdings, Inc. (PROV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-2.82%
5 Years5.07%
3 Years15.1%
TTM-
Profit CAGR
10 Years-4.39%
5 Years-4.04%
3 Years-11.72%
TTM-7.37%
EPS CAGR
10 Years-1.39%
5 Years-1.64%
3 Years-8.65%
TTM-5.15%
Return on Capital
10 Years3.79%
5 Years3.88%
3 Years3.15%
Last Year2.4%
PROV Recent Earnings
Provident Financial Holdings, Inc. (PROV) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.21-27.6%
$0.29
Rev
$10M-2.2%
$10M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.22-26.7%
$0.30
Rev
$10M-2.6%
$10M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.22-26.7%
$0.30
Rev
$10M-2.6%
$10M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.25-13.8%
$0.29
Rev
$10M-7.2%
$11M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.21vs $0.29-27.6% | $10Mvs $10M-2.2% |
| Q1 2026 | Jan 27, 2026 | $0.22vs $0.30-26.7% | $10Mvs $10M-2.6% |
| Q1 2026 | Jan 26, 2026 | $0.22vs $0.30-26.7% | $10Mvs $10M-2.6% |
| Q4 2025 | Oct 28, 2025 | $0.25vs $0.29-13.8% | $10Mvs $11M-7.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Provident Financial Holdings, Inc. (PROV)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.11 | $107M | 18.40 | 2.53% | 10.4% | 4.84% | 3.26% | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $15.03 | $2.2B | 16.34 | 16.3% | 14.75% | 7.3% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — |
Compare PROV vs Peers
Provident Financial Holdings, Inc. (PROV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PROV SEC Filings & Documents
Provident Financial Holdings, Inc. (PROV) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PROV Frequently Asked Questions
Provident Financial Holdings, Inc. (PROV) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Provident Financial Holdings, Inc. growing?
Provident Financial Holdings, Inc. (PROV) grew revenue by 2.5% over the past year. Growth has been modest.
Is PROV profitable?
Yes, Provident Financial Holdings, Inc. (PROV) is profitable, generating $6.1M in net income for fiscal year 2025 (10.4% net margin).
Dividend & Returns
Does PROV pay dividends?
Yes, Provident Financial Holdings, Inc. (PROV) pays a dividend with a yield of 3.26%. This makes it attractive for income-focused investors.
What is PROV's return on equity?
Provident Financial Holdings, Inc. (PROV) has a return on equity (ROE) of 4.8%. This is below average, suggesting room for improvement.
Industry Metrics
What is Provident Financial Holdings, Inc.'s net interest margin?
Provident Financial Holdings, Inc. (PROV) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is Provident Financial Holdings, Inc.'s efficiency ratio?
Provident Financial Holdings, Inc. (PROV) has an efficiency ratio of 51.2%. This is excellent, indicating strong cost control.