PROVIDENT FINANCIAL HLDGS

PROVNASDAQ

🏆 #4033 by market capEarnings Oct 27US Equity

$18.45▼ $0.05 (−0.27%)

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🏦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

Good

No chart data available for PROV.

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.

PROVIDENT FINANCIAL HLDGS

PROV

Financial Trends

Revenue

$60M▼ −0.9% YoY

Gross Margin

68.1%▲ +3.3% YoY

Operating Income

$10M▲ +8.6% YoY

Free Cash Flow

$9M▲ +4.7% YoY

Shares Outstanding

6.4M▼ −1.3% YoY

Net Cash

−$108M▲ +$51M YoY

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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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