Provident Financial (PROV) Stock Price, News & Analysis

Company Overview

Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, a federally chartered community bank headquartered in Riverside, California. The bank serves individuals, families and businesses primarily in Southern California, with a focus on the Inland Empire and surrounding communities.

Provident Savings Bank offers a range of traditional banking products and services, including deposit accounts, residential mortgage loans, home equity financing, consumer loans and commercial real estate lending. It also provides business banking services and related online and electronic banking tools.

Provident Savings Bank traces its history to 1956 and has operated as a community-focused savings institution for much of its history. Provident Financial Holdings became a publicly traded company following the bank’s conversion from mutual to stock ownership in the 1990s. The company’s operations remain centered on relationship-based banking and mortgage lending in its regional market.

Key Stats

• Today's Range: $18.02 to $18.32
• 50-Day Range: $18.02 to $18.71
• 52-Week Range: $14.95 to $18.99
• Volume: 11,448 shs
• Average Volume: 17,181 shs
• Market Capitalization: $111.94 million
• P/E Ratio: 17.79
• Dividend Yield: 3.06%
• Price Target: $18.00
• Consensus Rating: Buy

Provident Financial Stock Analysis - MarketRank™

Provident Financial scored higher than 87% of companies evaluated by MarketBeat, and ranked 217th out of 852 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: 2.1 / 5
• Analyst Rating: Buy

Consensus Rating

Provident Financial has received a consensus rating of Buy. The company's average rating score is 3.33, and is based on 2 strong buy ratings, no buy ratings, 1 hold rating, 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: 3.1 / 5
• Proj. Earnings Growth: 14.52%

Earnings Growth

Earnings for Provident Financial are expected to grow by 14.52% in the coming year, from $1.24 to $1.42 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Provident Financial is 17.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Financial is 17.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.73.

Price to Book Value per Share Ratio

Provident Financial has a P/B Ratio of 0.89. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.25% 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 1.14, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Provident Financial has recently decreased by 35.58%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Provident Financial pays a meaningful dividend of 3.09%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Provident Financial is 54.37%. 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 39.44% next year. This indicates that Provident Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.77

News Sentiment

Provident Financial has a news sentiment score of 0.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Provident Financial this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Provident Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $103,740.00 in company stock.

Percentage Held by Insiders

10.90% 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.

Company Calendar

• Record date for 9/3 Dividend: 8/13/2026
• Ex-Dividend for 9/3 Dividend: 8/13/2026
• Dividend Payable: 9/03/2026
• Last Earnings: 10/27/2026
• Today: 11/12/2026
• Record date for 12/3 Dividend: 11/12/2026
• Ex-Dividend for 12/3 Dividend: 11/12/2026
• AGM 2026: 11/19/2026
• Dividend Payable: 12/03/2026
• Next Earnings (Estimated): 1/26/2027
• Fiscal Year End: 6/30/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PROV
• CIK: 1010470
• Web: www.myprovident.com
• Phone: (909) 686-6060
• Fax: 909-782-6132
• Employees: 158
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Provident Financial: $18.00
• High Price Target: $18.00
• Low Price Target: $18.00
• Potential Upside/Downside: -1.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.03
• Trailing P/E Ratio: 17.79
• Forward P/E Ratio: 12.90
• P/E Growth: N/A
• Net Income: $6.66 million
• Net Margins: 10.88%
• Pretax Margin: 15.09%
• Return on Equity: 5.18%
• Return on Assets: 0.54%

Debt

• Debt-to-Equity Ratio: 1.37
• Current Ratio: 1.20
• Quick Ratio: 1.17

Sales & Book Value

• Annual Sales: $59.62 million
• Price / Sales: 1.88
• Cash Flow: $1.70 per share
• Price / Cash Flow: 10.77
• Book Value: $20.53 per share
• Price / Book: 0.89

Miscellaneous

• Outstanding Shares: 6,110,000
• Free Float: 5,445,000
• Market Cap: $111.94 million
• Optionable: Not Optionable
• Beta: 0.33