Provident Financial Holdings, Inc. (PROV) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 18.17 means the share price is 18.17 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $116M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 10, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerProvident Financial Holdings, Inc. (PROV) trades at $18.63 with MoonshotScore 81/100 (Grade A+). Provident Financial Holdings, Inc. is a bank holding company focused on providing community banking services in Southern California's Inland Empire. Market cap: $116M, Sector: Financial services.
Price as of Sep 10, 2026 · Last analyzed: May 10, 2026PROV stock analysis for 2026: Analysts have set a consensus price target of $18.00 for Provident Financial Holdings, Inc., suggesting 3.4% downside from the current price of $18.63. The AI MoonshotScore is 81/100, in the Exceptional band (80-100) — a research signal, not a recommendation. Key factors: analyst coverage, AI-driven quantitative scoring.
These figures come from statements filed 12 months ago — the most recent this company has published.
PROV: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Strongest side: Financial Safety (9/10, Strong). Weakest side: Business Quality (5/10, Neutral).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Provident Financial Holdings, Inc. (PROV) Financial Services Profile
Provident Financial Holdings, Inc., established in 1956, provides community banking services in Southern California's Inland Empire, focusing on consumers and small to mid-sized businesses. With a $116M market cap and a dividend yield of 3.27%, the company operates 13 full-service banking offices and offers diverse financial products.
What Is the Investment Thesis for PROV?
The company's presence in the Inland Empire region of Southern California, a growing economic area, provides a solid foundation for future growth. With a market capitalization of $116M and a P/E ratio of 18.17, PROV offers a potentially undervalued opportunity within the regional banking sector. Key catalysts include the continued expansion of its loan portfolio and strategic investment in technology to enhance customer experience. The company's dividend yield of 3.27% offers an attractive income stream for investors. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. Monitoring the company's net interest margin and efficiency ratio will be crucial in assessing its long-term performance.
Based on FMP financials and quantitative analysis
PROV Key Highlights
Market Cap of $116M indicates a smaller, regionally-focused financial institution.
- P/E Ratio of 18.17 suggests a potentially reasonable valuation compared to earnings.
- Profit Margin of 10.3% demonstrates the company's ability to generate profit from its revenue.
- Gross Margin of 67.1% reflects efficient management of the cost of services.
- Dividend Yield of 3.27% provides an attractive income stream for investors.
What Are PROV's Key Strengths?
Strong local presence in the Inland Empire.
- Diversified loan portfolio.
- Experienced management team.
- High gross margin of 67.1%.
What Are PROV's Weaknesses?
Limited geographic reach compared to larger banks.
- Smaller market capitalization may limit access to capital.
- Reliance on traditional banking services may lag behind digital innovation.
What Could Drive PROV Stock Higher?
Expansion of commercial lending activities in the Inland Empire.
- Investment in digital banking technologies to enhance customer experience.
- Potential strategic acquisitions of smaller banks or credit unions in the region.
- Growth in wealth management services to diversify revenue streams.
What Are the Key Risks for PROV?
Interest rate fluctuations impacting net interest margin.
- Competition from larger regional and national banks.
- Economic downturn in the Inland Empire affecting loan performance.
- Increasing regulatory requirements and compliance costs.
What Are the Growth Opportunities for PROV?
- Expansion of Commercial Lending: Provident Financial Holdings can capitalize on the increasing demand for commercial loans in the Inland Empire. By targeting small to mid-sized businesses with tailored loan products, the company can grow its loan portfolio and increase revenue. The commercial lending market in Southern California is projected to grow by 5% annually, presenting a significant opportunity for PROV to expand its market share. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience and attract a younger demographic. By offering mobile banking, online account management, and other digital services, Provident Financial Holdings can improve customer retention and acquisition. The digital banking market is expected to grow by 8% annually, driven by increasing adoption of mobile devices and online platforms. Timeline: Ongoing.
- Strategic Acquisitions: Provident Financial Holdings can pursue strategic acquisitions of smaller banks or credit unions in the region to expand its geographic footprint and customer base. Acquisitions can provide access to new markets and diversify the company's revenue streams. The consolidation trend in the banking industry presents opportunities for PROV to grow through strategic acquisitions. Timeline: Potential within 2-3 years.
- Wealth Management Services: Expanding wealth management services can provide a new revenue stream and diversify the company's offerings. By offering financial planning, investment management, and trust services, Provident Financial Holdings can cater to the growing wealth management needs of its customers. The wealth management market is projected to grow by 6% annually, driven by increasing affluence in the region. Timeline: Potential within 1-2 years.
- Mortgage Lending Growth: Capitalizing on the demand for mortgage loans in the Inland Empire can drive revenue growth. By offering competitive mortgage rates and personalized service, Provident Financial Holdings can attract homebuyers and increase its mortgage portfolio. The mortgage lending market is influenced by interest rates and housing market trends, presenting both opportunities and challenges. Timeline: Ongoing.
What Are PROV's Competitive Advantages?
- Strong local presence and community relationships in the Inland Empire.
- Diversified loan portfolio reduces risk.
- Experienced management team with deep understanding of the local market.
- Established brand reputation for customer service.
What Does PROV Do?
Provident Financial Holdings, Inc., founded in 1956, serves as the holding company for Provident Savings Bank, F.S.B. The bank provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its journey began with a commitment to serving the local community, and it has since grown to operate 12 full-service banking offices in Riverside County and one in San Bernardino County. Provident Savings Bank offers a variety of deposit products, including checking, savings, and money market accounts, as well as time deposits. Its loan portfolio is diverse, encompassing single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. Additionally, the company provides investment services, such as the sale of annuities and mutual funds, and trustee services for real estate transactions. Headquartered in Riverside, California, Provident Financial Holdings has established itself as a key financial institution in the region. The company's strategy focuses on building strong customer relationships and providing personalized banking solutions. With a profit margin of 10.3% and a gross margin of 67.1%, Provident Financial Holdings demonstrates financial stability and operational efficiency. The company continues to adapt to the evolving needs of its customers while maintaining its commitment to community banking principles.
What Products and Services Does PROV Offer?
- Provides community banking services to consumers and small to mid-sized businesses.
- Offers checking, savings, and money market accounts.
- Provides time deposits.
- Offers single-family, multi-family, and commercial real estate loans.
- Provides construction, mortgage, commercial business, and consumer loans.
- Offers investment services, including annuities and mutual funds.
- Provides trustee services for real estate transactions.
How Does PROV Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides investment services for a fee.
- Manages risk through diversification of loan portfolio.
What Industry Does PROV Operate In?
Provident Financial Holdings operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate fluctuations, economic growth, and technological advancements. Regional banks like Provident Financial Holdings differentiate themselves through localized customer service and community involvement. The market is seeing increased consolidation as banks seek to achieve economies of scale and expand their service offerings. Provident Financial Holdings' focus on the Inland Empire region allows it to cater specifically to the needs of local businesses and consumers.
Who Are PROV's Key Customers?
- Consumers in the Inland Empire region of Southern California.
- Small to mid-sized businesses in the Inland Empire region.
- Real estate investors.
- Individuals seeking wealth management services.
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 9 days ago
- ● Covered by analysts
Why 81?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.42 Dividend yield (Valuation)
- +0.27 Financial-health checklist (Financial Strength)
- +0.20 Share dilution (Growth)
What is holding it back
- -0.13 Return on assets (Business Quality)
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
Provident Financial Holdings, Inc. Financial Trajectory
Provident Financial Holdings, Inc. (PROV) reported $15.2M in revenue for Q4 FY2026, reflecting 4.4% growth compared to the prior quarter. The company recorded net income of $2.2M, with diluted EPS of $0.34. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, PROV averaged $0.25 in diluted EPS.
Company Profile
Provident Financial Holdings, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Riverside, US. The company is led by CEO Donavon Ternes. PROV has traded publicly since 1996.
How Provident Financial Holdings, Inc. Is Valued
Provident Financial Holdings, Inc. carries a market capitalization of $116M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Provident Financial Holdings, Inc. stands at 5.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. PROV trades at a trailing price-to-earnings ratio of 18.17, roughly in line with the Financial Services sector average of ~17.50x. Its free cash flow yield is 4.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.48 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.7%, the inverse of the P/E and a quick read on earnings relative to price.
PROV Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in the Inland Empire.
- Diversified loan portfolio.
- Experienced management team.
- High gross margin of 67.1%.
Bear Case
- Limited geographic reach compared to larger banks.
- Smaller market capitalization may limit access to capital.
- Reliance on traditional banking services may lag behind digital innovation.
- Potential: Interest rate fluctuations impacting net interest margin.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 FY2026 | $15M | $2M | $0.34 |
| Q3 FY2026 | $15M | $1M | $0.21 |
| Q2 FY2026 | $15M | $1M | $0.22 |
| Q1 FY2026 | $15M | $2M | $0.25 |
Q4 FY2026 · filed 2 Sep 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
PROV Latest News
No recent news available for PROV.
PROV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for PROV.
Price Targets
Consensus target: $18.00
PROV MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. PROV scores 81/100 (Grade A+): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Leadership: Donavon Ternes
CEO
Donavon Ternes serves as the CEO of Provident Financial Holdings, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking and regional market development. He has held various leadership positions in banking institutions, demonstrating expertise in strategic planning, risk management, and customer relationship management. Ternes is committed to fostering a strong community presence and delivering value to shareholders through sustainable growth and operational excellence.
Track Record: Under Donavon Ternes' leadership, Provident Financial Holdings has maintained a strong focus on serving the Inland Empire region and expanding its loan portfolio. He has overseen the implementation of strategic initiatives to enhance customer service and improve operational efficiency. His tenure has been marked by a commitment to maintaining a stable financial position and delivering consistent returns to shareholders.
What Investors Ask About Provident Financial Holdings, Inc. (PROV) — Financial Services
What does the AI Score mean for PROV?
PROV holds an AI Score of 81/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is PROV a good stock?
Stock Expert AI does not rate PROV buy, sell or hold. Provident Financial Holdings, Inc. carries a MoonshotScore of 81/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about PROV stock?
Analyst coverage of Provident Financial Holdings, Inc. (PROV) is limited, reflecting its smaller market capitalization and regional focus. Key valuation metrics to consider include its P/E ratio of 18.17 and dividend yield of 3.27%.
What are the key factors to evaluate for PROV?
Provident Financial Holdings, Inc. (PROV) holds an AI score of 81/100 (high). P/E: 18.17x vs the S&P 500's ~20-25x. Analysts target $18.00 (-3%). Not financial advice.
How frequently does PROV data refresh on this page?
PROV's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PROV's recent stock price performance?
Provident Financial Holdings, Inc. (PROV) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Inland Empire. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PROV overvalued or undervalued right now?
Provident Financial Holdings, Inc. (PROV) trades at 18.17x earnings. Analysts target $18.00 (-3%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of PROV?
Yes, most major brokerages offer fractional shares of Provident Financial Holdings, Inc. (PROV) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track PROV's earnings and financial reports?
Provident Financial Holdings, Inc. (PROV) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for PROV earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and financial reports.
- Analysis is subject to change based on market conditions and company performance.