Provident Financial (PROV) Stock Price, News & Analysis

Company Overview

Provident Financial Services, Inc. (NASDAQ: PROV) is a bank holding company headquartered in Jersey City, New Jersey, that conducts its operations through its wholly owned subsidiary, Provident Bank. With origins dating back to 1839, the company has grown into a full-service financial institution offering a broad spectrum of products and services to individuals, small businesses and commercial clients.

The company’s principal business activities include retail banking, commercial lending, mortgage finance and wealth management. On the retail side, Provident Bank offers checking and savings accounts, certificates of deposit, consumer loan products and digital banking solutions. Its commercial banking division provides lines of credit, term loans, real estate financing, treasury management and other cash-management services. The wealth management arm delivers trust services, investment advisory, retirement planning and brokerage services.

Provident Bank maintains a network of branches throughout New Jersey and parts of the New York metropolitan area, supplemented by online and mobile banking platforms. The institution’s executive leadership team is headed by President and Chief Executive Officer Roger C. Bohn, who has overseen the company’s strategic growth initiatives for more than two decades. Through its combination of community banking roots and technology-driven services, Provident Financial Services aims to balance personalized customer relationships with digital convenience.

Key Stats

• Today's Range: $15.78 to $15.83
• 50-Day Range: $15.10 to $16.00
• 52-Week Range: $12.98 to $16.70
• Volume: 6,004 shs
• Average Volume: 8,308 shs
• Market Capitalization: $104.11 million
• P/E Ratio: 17.02
• Dividend Yield: 3.54%
• Price Target: $16.50
• Consensus Rating: Hold

Provident Financial Stock Analysis - MarketRank™

Provident Financial scored higher than 79% of companies evaluated by MarketBeat, and ranked 381st out of 921 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Hold

Consensus Rating

Provident Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Provident Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Provident Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 33.33%

Earnings Growth

Earnings for Provident Financial are expected to grow by 33.33% in the coming year, from $0.90 to $1.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Provident Financial is 17.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.17.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Financial is 17.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 39.91.

Price to Book Value per Share Ratio

Provident Financial has a P/B Ratio of 0.82. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.44% of the float of Provident Financial has been sold short.

Short Interest Ratio / Days to Cover

Provident Financial has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Provident Financial has recently increased by 10.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Provident Financial is a leading dividend payer. It pays a dividend yield of 3.55%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Provident Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Provident Financial is 60.22%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Provident Financial will have a dividend payout ratio of 46.67% next year. This indicates that Provident Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 0.8 / 5
• Environmental Score: -0.07

Percentage of Shares Shorted

0.44% of the float of Provident Financial has been sold short.

Short Interest Ratio / Days to Cover

Provident Financial has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Provident Financial has recently increased by 10.63%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Provident Financial this week, compared to 3 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Provident Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

11.41% of the stock of Provident Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

71.34% of the stock of Provident Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PROV Stock Analysis - Frequently Asked Questions

How have PROV shares performed this year?

Provident Financial's stock was trading at $15.91 at the start of the year. Since then, PROV shares have decreased by 0.5% and is now trading at $15.83.

How were Provident Financial's earnings last quarter?

Provident Financial Holdings, Inc. (NASDAQ:PROV) posted its quarterly earnings results on Monday, July, 28th. The financial services provider reported $0.24 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.29 by $0.05. The financial services provider earned $9.76 million during the quarter, compared to the consensus estimate of $10.50 million. Provident Financial had a trailing twelve-month return on equity of 4.85% and a net margin of 10.40%.
Read the conference call transcript.

How do I buy shares of Provident Financial?

Shares of PROV stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Provident Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Provident Financial investors own include NVIDIA (NVDA), Advanced Micro Devices (AMD), Booking (BKNG), Tesla (TSLA), Exxon Mobil (XOM), Brunswick (BC) and Meta Platforms (META).

Company Calendar

• Last Earnings: 7/28/2025
• Record date for 9/4 Dividend: 8/14/2025
• Ex-Dividend for 9/4 Dividend: 8/14/2025
• Dividend Payable: 9/04/2025
• Today: 10/06/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:PROV
• CIK: 1010470
• Web: www.myprovident.com
• Phone: (951) 686-6060
• Fax: 909-782-6132
• Employees: 160
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Provident Financial: $16.50
• High Price Target: $16.50
• Low Price Target: $16.50
• Potential Upside/Downside: +4.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.93
• Trailing P/E Ratio: 17.02
• Forward P/E Ratio: 17.59
• P/E Growth: N/A
• Net Income: $6.26 million
• Net Margins: 10.40%
• Pretax Margin: 14.75%
• Return on Equity: 4.85%
• Return on Assets: 0.50%

Debt

• Debt-to-Equity Ratio: 1.66
• Current Ratio: 1.22
• Quick Ratio: 1.22

Sales & Book Value

• Annual Sales: $60.15 million
• Price / Sales: 1.73
• Cash Flow: $1.46 per share
• Price / Cash Flow: 10.87
• Book Value: $19.21 per share
• Price / Book: 0.82

Miscellaneous

• Outstanding Shares: 6,580,000
• Free Float: 5,827,000
• Market Cap: $104.16 million
• Optionable: Not Optionable
• Beta: 0.40