Provident Financial Holdings Inc (PROV) stock
PROVNasdaqSavings Institution, Federally CharteredFiscal year ends June 30
Financials through Q1 FY2027, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 9/3014% above fair value
$18.24−0.08 (-0.44%)
Close on Nov 12, 2026Market cap $113.71MP/E 17.7Yield 3.07%
Provident Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 12, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 0.91
- 1.52
- P/OCF Ratio
- 10.48
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 1.48
- 2.95
- EV / FCF
- 5.85
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -4.50%
- 0.35%
- Shares Change (QoQ)
- -1.06%
- 0.00%
- Float
- 6M
- 17M
- Shares Held by Insiders
- 9.52%
- 6.05%
- Shares Held by Institutions
- 57.0%
- 61.3%
Short sellingIndustry
- Short Interest
- 13,995
- –
- Short Interest Change
- -35.6%
- -4.13%
- Short % of Float
- 0.25%
- 3.58%
- Short % of Shares Outstanding
- 0.22%
- 3.18%
- Days to Cover
- 1.14
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $18.99
- –
- 52-Week Low
- $14.95
- –
- 20-Day Moving Average
- $18.19
- –
- 50-Day Moving Average
- $18.33
- –
- 200-Day Moving Average
- $17.30
- –
- Average True Range (14)
- $0.21
- –
- Price Change (1 Week)
- 0.27%
- 0.51%
- Price Change (1 Month)
- 0.50%
- 4.83%
- Price Change (3 Months)
- 1.45%
- -3.58%
- Price Change (6 Months)
- 7.29%
- 10.8%
- Price Change (YTD)
- 14.6%
- 19.6%
- Price Change (1 Year)
- 18.5%
- 25.4%
- Price Change (3 Years)
- 63.3%
- 76.7%
- Price Change (5 Years)
- 7.93%
- 26.5%
- Price Change (10 Years)
- -9.03%
- 67.0%
- Average Volume (10 Days)
- 19,425
- –
- Average Volume (20 Days)
- 16,254
- –
- Average Volume (90 Days)
- 14,015
- –
- Relative Volume
- 0.69
- 0.67
- Relative Strength Index (14)
- 51.8
- 52.6
- Volatility (1 Year)
- 11.1%
- 24.4%
- Beta (5 Years)
- 0.17
- 0.63
MarginsIndustry
- Pretax Margin
- 22.2%
- 36.9%
- FCF Margin
- 25.3%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 5.16%
- 10.8%
- Return on Assets (ROA)
- 0.54%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 4.22%
- 11.8%
- Net Income Growth (YoY)
- 8.47%
- 22.7%
- EPS Growth (YoY)
- 14.4%
- 21.6%
- FCF Growth (YoY)
- 25.8%
- 27.5%
- Revenue Growth (3Y CAGR)
- -0.82%
- 5.82%
- Revenue Growth (5Y CAGR)
- 2.61%
- 6.17%
- EPS Growth (3Y CAGR)
- -4.70%
- 1.31%
- EPS Growth (5Y CAGR)
- 0.59%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $258.77K
- $359.04K
- Profits Per Employee
- $41.44K
- $110.51K
- Employee Count
- 158
- 492
- WACC
- 7.38%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $9.08M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $53.25M
- $166.15M
- Net Cash Per Share
- $8.54
- $8.19
- Equity (Book Value)
- $125.44M
- $570.13M
- Book Value Per Share
- $20.12
- $28.22
- Tangible Book Value
- $125.44M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$513.00K
- -$4.27M
- FCF Per Share
- $1.66
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 5.76%
- 8.32%
- FCF Yield
- 9.10%
- 9.23%
- Dividend Yield
- 3.07%
- 2.44%
- Buyback Yield
- 5.82%
- 1.80%
- Shareholder Yield
- 8.89%
- 3.22%
- Dividend Per Share
- $0.56
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 54.2%
- 29.0%
- FCF Payout Ratio
- 34.3%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $2.53M
- $16.14M
- Effective Tax Rate
- 27.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $21.59
- $45.31
- Graham Upside
- 18.4%
- 18.8%
- Altman Z-Score
- 0.35
- 0.22
- Piotroski F-Score
- 7
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | PROV | S&P 500 | Difference | PROV per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.5% | -2.7% | +3.2 pts | ||
| 3 months | +2.0% | -1.7% | +3.8 pts | ||
| Year to date | +17.5% | +11.9% | +5.6 pts | ||
| 1 year | +21.7% | +12.0% | +9.7 pts | ||
| 3 years | +82.1% | +78.2% | +4.0 pts | +22.1% | +21.2% |
| 5 years | +30.6% | +73.2% | −42.6 pts | +5.5% | +11.6% |
| 10 years | +28.0% | +309.6% | −281.7 pts | +2.5% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M PROV shares were sold short on Oct 30, 2026, down 35.6% from the previous report, or 0.25% of the shares available to trade. At recent volumes it would take 1.1 days to buy them back. Over the last 20 sessions, 21.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 13,995 | -35.6% | 12,320 | 1.1 |
| Oct 15, 2026 | 21,724 | +7.7% | 15,912 | 1.4 |
| Sep 30, 2026 | 20,165 | +2.3% | 12,843 | 1.6 |
| Sep 15, 2026 | 19,710 | -23.0% | 21,518 | 1.0 |
| Aug 31, 2026 | 25,601 | -1.1% | 15,999 | 1.6 |
| Aug 14, 2026 | 25,894 | -14.1% | 10,114 | 2.6 |
| Jul 31, 2026 | 30,133 | -11.2% | 5,294 | 5.7 |
| Jul 15, 2026 | 33,930 | +6.0% | 4,355 | 7.8 |
| Jun 30, 2026 | 32,012 | -23.4% | 5,579 | 5.7 |
| Jun 15, 2026 | 41,781 | +7.6% | 9,216 | 4.5 |
| May 29, 2026 | 38,838 | +1.3% | 5,686 | 6.8 |
| May 15, 2026 | 38,358 | +10.1% | 6,806 | 5.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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