Provident Financial Holdings Inc

Financial Services

Prices are adjusted according to historical splits.

Provident Financial Holdings Inc Stock Price


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Company Statistics

Market Cap.:
$89.81 million
Book Value:
Revenue TTM:
$40.69 million
Operating Margin TTM:
Gross Profit TTM:
$38.77 million
Profit Margin:
Return on Assets TTM:
Return on Equity TTM:

Company Profile

Provident Financial Holdings Inc had its IPO on 1996-06-28 under the ticker symbol PROV.

The company operates in the Financial Services sector and Banks-Regional industry. Provident Financial Holdings Inc has a staff strength of 108 employees.

Stock update

Shares of Provident Financial Holdings Inc opened at $12.82 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $12.75 - $12.99, and closed at $12.75.

This is a -0.55% slip from the previous day's closing price.

A total volume of 4,665 shares were traded at the close of the day’s session.

In the last one week, shares of Provident Financial Holdings Inc have slipped by -2.75%.

Provident Financial Holdings Inc's Key Ratios

Provident Financial Holdings Inc has a market cap of $89.81 million, indicating a price to book ratio of 0.8185 and a price to sales ratio of 2.5426.

In the last 12-months Provident Financial Holdings Inc’s revenue was $40.69 million with a gross profit of $38.77 million and an EBITDA of $0. The EBITDA ratio measures Provident Financial Holdings Inc's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Provident Financial Holdings Inc’s operating margin was 32.13% while its return on assets stood at 0.68% with a return of equity of 6.65%.

In Q2, Provident Financial Holdings Inc’s quarterly earnings growth was a negative -24.3% while revenue growth was a positive 3.4%.

Provident Financial Holdings Inc’s PE and PEG Ratio

Forward PE
Trailing PE

Its diluted EPS in the last 12-months stands at $1.19 per share while it has a forward price to earnings multiple of 10.1215 and a PEG multiple of -1.69. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Provident Financial Holdings Inc’s profitability.

Provident Financial Holdings Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 2.5426.

Provident Financial Holdings Inc stock pays annual dividends of $0.56 per share, indicating a yield of 4.37% and a payout ratio of 46.28%.

Balance sheet and cash flow metrics

Total Assets
$1.33 billion
Total Liabilities
$167.69 million
Operating Cash Flow
$5.53 million
Capital Expenditure
Dividend Payout Ratio

Provident Financial Holdings Inc ended 2023 with $1.33 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $1.33 billion while shareholder equity stood at $129.69 million.

Provident Financial Holdings Inc ended 2023 with $0 in deferred long-term liabilities, $167.69 million in other current liabilities, 183000.00 in common stock, $207.27 million in retained earnings and $0 in goodwill. Its cash balance stood at $65.85 million and cash and short-term investments were $68.00 million. The company’s total short-term debt was $150,009,000 while long-term debt stood at $85.00 million.

Provident Financial Holdings Inc’s total current assets stands at $71.72 million while long-term investments were $156.49 million and short-term investments were $2.16 million. Its net receivables were $3.71 million compared to accounts payable of $17.68 million and inventory worth $0.

In 2023, Provident Financial Holdings Inc's operating cash flow was $5.53 million while its capital expenditure stood at $11000.

Comparatively, Provident Financial Holdings Inc paid $0.46 in dividends in 2023.

Other key metrics

Current Trading Price
52-Week High
52-Week Low
Analyst Target Price

Provident Financial Holdings Inc stock is currently trading at $12.75 per share. It touched a 52-week high of $14.8279 and a 52-week low of $14.8279. Analysts tracking the stock have a 12-month average target price of $14.5.

Its 50-day moving average was $13.53 and 200-day moving average was $13.31 The short ratio stood at 6.97 indicating a short percent outstanding of 0%.

Around 1953.8% of the company’s stock are held by insiders while 5325.9% are held by institutions.

Frequently Asked Questions About Provident Financial Holdings Inc

The stock symbol (also called stock or share ticker) of Provident Financial Holdings Inc is PROV

The IPO of Provident Financial Holdings Inc took place on 1996-06-28

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Provident 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. The company’s 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. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.


3756 Central Avenue, Riverside, CA, United States, 92506