PROVNasdaqSavings Institution, Federally CharteredFiscal year ends June 30
PROVIDENT FINANCIAL HOLDINGS INC
Financials through Q4 FY2026, quarter ended Jun 30, 2026Last filing: 10-K on Sep 2, 2026
$18.11−0.04 (-0.19%)
Close on Oct 19, 2026
- Market cap
- $114.61M
- P/E (TTM)
- 17.6
- Dividend yield
- 3.09%
Provident Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | Provident Financial | Industry median |
|---|---|---|
| Market Cap | $112.93M | $679.86M |
| Enterprise Value | $63.72M | $408.94M |
| PE Ratio | 17.59 | 12.00 |
| PS Ratio | 2.82 | 3.61 |
| PB Ratio | 0.89 | 1.18 |
| P/TBV Ratio | 0.89 | 1.41 |
| P/FCF Ratio | 13.23 | 10.93 |
| P/OCF Ratio | 12.59 | 10.04 |
Enterprise value
| Measure | Provident Financial | Industry median |
|---|---|---|
| EV / Sales | 1.59 | 2.78 |
| EV / FCF | 7.46 | 8.25 |
Income (trailing twelve months)
| Measure | Provident Financial | Industry median |
|---|---|---|
| Revenue | $40.05M | $170.85M |
| Pretax Income | $9.64M | $70.12M |
| Net Income | $6.66M | $54.33M |
| EPS (Diluted) | $1.03 | $2.90 |
Margins
| Measure | Provident Financial | Industry median |
|---|---|---|
| Pretax Margin | 24.1% | 36.4% |
| Profit Margin | 16.6% | 29.1% |
| FCF Margin | 21.3% | 33.0% |
Returns
| Measure | Provident Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 5.22% | 10.5% |
| Return on Assets (ROA) | 0.54% | 1.12% |
Growth
| Measure | Provident Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 2.70% | 11.8% |
| Net Income Growth (YoY) | 6.39% | 23.1% |
| EPS Growth (YoY) | 10.8% | 22.7% |
| FCF Growth (YoY) | 4.70% | 27.1% |
| Revenue Growth (3Y CAGR) | -0.82% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.61% | 6.17% |
| EPS Growth (3Y CAGR) | -4.70% | 1.26% |
| EPS Growth (5Y CAGR) | 0.59% | 8.24% |
Balance sheet
| Measure | Provident Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $49.21M | $205.54M |
| Net Cash (Debt) | $49.21M | $164.40M |
| Net Cash Per Share | $7.89 | $8.13 |
| Equity (Book Value) | $126.22M | $560.44M |
| Book Value Per Share | $20.25 | $28.47 |
| Tangible Book Value | $126.22M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Provident Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $8.97M | $61.20M |
| Capital Expenditures | -$432.00K | -$4.02M |
| Free Cash Flow | $8.54M | $52.43M |
| FCF Per Share | $1.37 | $3.07 |
Efficiency
| Measure | Provident Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $253.51K | $353.78K |
| Profits Per Employee | $42.12K | $107.28K |
| Employee Count | 158 | 489 |
Dividends and yields
| Measure | Provident Financial | Industry median |
|---|---|---|
| Earnings Yield | 5.89% | 8.07% |
| FCF Yield | 7.56% | 8.89% |
| Dividend Yield | 3.09% | 2.48% |
| Buyback Yield | 5.30% | 1.55% |
| Shareholder Yield | 8.39% | 3.13% |
| Dividend Per Share | $0.56 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 54.0% | 29.4% |
| FCF Payout Ratio | 42.1% | 26.0% |
Shares
| Measure | Provident Financial | Industry median |
|---|---|---|
| Shares Outstanding | 6,233,960 | 18,839,100 |
| Shares Change (YoY) | -4.11% | 0.39% |
| Shares Change (QoQ) | -0.94% | 0.00% |
| Float | 5,375,490 | 17,061,900 |
| Shares Held by Insiders | 13.8% | 5.89% |
| Shares Held by Institutions | 57.0% | 61.9% |
Taxes
| Measure | Provident Financial | Industry median |
|---|---|---|
| Income Tax | $2.98M | $14.50M |
| Effective Tax Rate | 30.9% | 21.1% |
Scores
| Measure | Provident Financial | Industry median |
|---|---|---|
| Graham Number | $21.66 | $45.31 |
| Graham Upside | 19.6% | 21.6% |
| Altman Z-Score | 0.35 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Provident Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.