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: $15.50 to $15.52
• 50-Day Range: $15.10 to $15.90
• 52-Week Range: $12.98 to $16.70
• Volume: 8,637 shs
• Average Volume: 5,846 shs
• Market Capitalization: $101.99 million
• P/E Ratio: 16.67
• Dividend Yield: 3.61%
• Price Target: $16.50
• Consensus Rating: Hold

Provident Financial Stock Analysis - MarketRank™

Provident Financial scored higher than 78% of companies evaluated by MarketBeat, and ranked 354th out of 918 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, 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 1 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 16.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.08.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Financial is 16.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.51.

Price to Book Value per Share Ratio

Provident Financial has a P/B Ratio of 0.81. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.54% 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 4.7.

Change versus previous month

Short interest in Provident Financial has recently increased by 23.35%, 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 3.61%, 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

0.54% 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 4.7.

Change versus previous month

Short interest in Provident Financial has recently increased by 23.35%, 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: 3.3 / 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 $29,876.00 in 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 beginning of the year. Since then, PROV shares have decreased by 2.6% and is now trading at $15.50.

How were Provident Financial's earnings last quarter?

Provident Financial Holdings, Inc. (NASDAQ:PROV) released its earnings results on Monday, July, 28th. The financial services provider reported $0.24 EPS for the quarter, missing the consensus estimate of $0.29 by $0.05. The financial services provider had revenue of $9.76 million for the quarter, compared to analysts' expectations 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.

Who are Provident Financial's major shareholders?

Top institutional shareholders of Provident Financial include M3F Inc. (6.00%), Raffles Associates LP (5.86%), Fourthstone LLC (1.72%) and Black Maple Capital Management LP (0.18%). Insiders that own company stock include Craig G Blunden and Gwendolyn Wertz.
View institutional ownership trends.

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: 9/07/2025
• 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: +6.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.93
• Trailing P/E Ratio: 16.67
• Forward P/E Ratio: 17.22
• 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: 1.70
• Cash Flow: $1.46 per share
• Price / Cash Flow: 10.65
• Book Value: $18.89 per share
• Price / Book: 0.82

Miscellaneous

• Outstanding Shares: 6,580,000
• Free Float: 5,827,000
• Market Cap: $101.99 million
• Optionable: Not Optionable
• Beta: 0.39