PROV logo

PROVIDENT FINANCIAL HLDGS

PROVNASDAQ
🏆 #4031 by market capEarnings Oct 27US Equity
$18.45▼ $0.05 (−0.27%)
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24h▼ 0.3%
7d▼ 1.2%
14d▼ 1.3%
30d▲ 3.0%
ytd▲ 15.5%
1y▲ 16.7%
🏦Market Cap
$115M
Small Cap
📈Revenue Growth (YoY)
-0.9%
Declining
📊Gross Margin
68.1%
High
💵FCF Margin
14.7%
Healthy
⚖️P/S Ratio
1.9x
Cheap
Otter Score
84
Good

Trading Snapshot

Day Range
$18.20 – $18.56
52-Week Range
$14.95 – $18.99
Volume
$2.53B
Avg Volume
$2.21B
Shares Outstanding
6.3M
Next Earnings
Oct 24, 2026

Fundamentals Snapshot

Annual Revenue
$60M
Last Q Revenue
$15M
P/E Ratio
17.8
P/S Ratio
1.9x
EPS (TTM)
$1.05
Dividend Yield
3.06%
Dilution (1yr)
−1.3%

Why Investors Own PROV

  • ✓High-growth profile — revenue up +17.6% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 62% gross margin and 26% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PROV logo

PROVIDENT FINANCIAL HLDGS

PROV
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$60M▼ −0.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
68.1%▲ +3.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$10M▲ +8.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9M▲ +4.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.4M▼ −1.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$108M▲ +$51M YoY
StockOtter · stockotter.space

About PROVIDENT FINANCIAL HLDGS

Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
84/100

Analyst Price Target

ⓘ
Average Target
$20.10
▲ +9.0% Upside
High Target$24.18
Low Target$15.99
Based on 30 analysts

Latest News & Updates

🚀
MarketWatch·2h ago

PROVIDENT FINANCIAL HLDGS tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Barron’s·5h ago

Analysts lift PROV price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Bloomberg·1d ago

PROVIDENT FINANCIAL HLDGS announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.