P

    Provident Financial Holdings Inc (PROV)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $18.31
    -0.04 (-0.22%)

    Market Cap: $114.94M

    Last updated: Aug 31, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    48%(19/40)
    Avg Surprise
    -2.13%
    Streak
    1 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.32
    Range$0.30 - $0.33
    2 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate Drift
    90d ago$0.30-4.8%
    60d ago$0.30-4.8%
    30d ago$0.28-12.7%
    7d ago$0.28-12.7%
    Current$0.32
    Revenue Consensus
    $10M
    Range$10M - $10M
    1 analysts
    Dec 31, 2026
    EPS Consensus$0.32
    Range$0.30 - $0.34
    2 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate Drift
    90d ago$0.31-3.1%
    60d ago$0.31-3.1%
    30d ago$0.28-10.9%
    7d ago$0.28-10.9%
    Current$0.32
    Revenue Consensus
    $10M
    Range$10M - $10M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.32---
    Sep 26EST
    		-$0.32---
    Jun 26
    		$0.35$0.28+25.00%Beat+45.8%
    Mar 26
    		$0.21$0.29-27.59%Miss-25.0%
    Dec 25
    		$0.22$0.30-26.67%Miss+69.2%
    Sep 25
    		$0.25$0.29-13.79%Miss-10.7%
    Jun 25
    		$0.24$0.28-14.29%Miss-14.3%
    Mar 25
    		$0.28$0.24+16.67%Beat+27.3%
    Dec 24
    		$0.13$0.26-50.00%Miss-58.1%
    Sep 24
    		$0.28$0.25+12.00%Beat+12.0%
    Jun 24
    		$0.28$0.23+21.74%Beat+7.7%
    Mar 24
    		$0.22$0.26-15.38%Miss-33.3%
    Dec 23
    		$0.31$0.26+19.23%Beat-6.1%
    Sep 23
    		$0.25$0.28-10.71%Miss-13.8%
    Jun 23
    		$0.26$0.33-21.21%Miss-23.5%
    Mar 23
    		$0.33$0.32+3.13%Beat+43.5%
    Dec 22
    		$0.33$0.32+3.13%Beat+10.0%
    Sep 22
    		$0.29$0.31-6.45%Miss-17.1%
    Jun 22
    		$0.34$0.22+54.55%Beat-22.7%
    Mar 22
    		$0.23$0.22+4.55%Beat+9.5%
    Dec 21
    		$0.30$0.20+50.00%Beat+87.5%
    Sep 21
    		$0.35$0.21+66.67%Beat+75.0%
    Jun 21
    		$0.44$0.20+120.00%Beat+109.5%
    Mar 21
    		$0.21$0.21+0.00%Beat+40.0%
    Dec 20
    		$0.16$0.24-33.33%Miss-48.4%
    Sep 20
    		$0.20$0.22-9.09%Miss-39.4%
    Jun 20
    		$0.21$0.20+5.00%Beat+110.0%
    Mar 20
    		$0.15$0.30-50.00%Miss+850.0%
    Dec 19
    		$0.31$0.36-13.89%Miss+19.2%
    Sep 19
    		$0.33$0.34-2.94%Miss+37.5%
    Jun 19
    		$0.10$0.11-9.09%Miss-44.4%
    Mar 19
    		$-0.02N/A-120.00%Miss-108.7%
    Dec 18
    		$0.26$0.24+8.33%Beat+30.0%
    Sep 18
    		$0.24$0.23+4.35%Beat+60.0%
    Jun 18
    		$0.18$0.24-25.00%Miss-10.0%
    Mar 18
    		$0.23$0.18+27.78%Beat+64.3%
    Dec 17
    		$0.20$0.20+0.00%Beat+11.1%
    Sep 17
    		$0.15$0.16-6.25%Miss-25.0%
    Jun 17
    		$0.20$0.18+11.11%Beat-
    Mar 17
    		$0.14$0.16-12.50%Miss-
    Dec 16
    		$0.18$0.26-30.77%Miss-
    Sep 16
    		$0.20$0.33-39.39%Miss-

    Dividends

    Dividend Metrics

    Yield3.06%
    Annual/Share$0.56
    Payout Ratio57.44%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    View PROV's full dividend history

    Key Metrics

    Valuation
    P/E Ratio17.78EV/EBITDAN/A
    Price/FCF15.48xFCF Yield6.46%
    Profitability
    Profit Margin16.40%Operating Margin29.00%
    ROE5.22%ROIC1.52%
    Financial Health
    Debt/Equity2.17xInterest Coverage0.45x
    Current Ratio0.68xQuick Ratio0.68x
    Trading Statistics
    Beta0.32Avg Volume13.66K
    52-Week High$18.5452-Week Low$14.53

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$18.15
    SMA 20$18.02
    SMA 50$17.49
    SMA 200$16.46
    EMA 10$18.19
    EMA 20$18.01
    EMA 50$17.61
    EMA 200$16.66

    MACD

    Line: 0.24Signal: 0.23Hist: 0.01

    ADX

    ADX: 21.9+DI: 25.7-DI: 8.6

    Aroon & PSAR

    Aroon Up100.0
    Aroon DownN/A
    PSAR$18.06

    Bollinger Bands

    Upper Band$18.43
    Lower Band$17.62
    %B Position450%(Upper)
    Band Width0.85

    RSI (14-Day)

    Overbought
    72.7

    Momentum Oscillators

    Stoch %K66.9
    Stoch %D74.1
    Williams %R-45.7
    ROC (10d)2.0%
    Momentum0.36
    CCI (20d)153.7
    MFI (14d)50.8

    Volatility Measures

    ATR (14d)$0.33(1.8%)
    StdDev (20d)0.20
    Hist Vol8.2%(Low)

    Volume Flow

    VWAP$18.45
    OBV272.2K
    AD Line-26520005752.9B
    CMF (20d)-0.566

    Volume Metrics

    Avg Vol (20d)13.9K
    Vol Ratio1.1x
    VWMA (20d)$18.05

    Pivot Points

    R3$18.55
    R2$18.47
    R1$18.41
    Pivot Point$18.33
    S1$18.27
    S2$18.19
    S3$18.13

    Advanced Oscillators

    TSI44.98
    Ultimate Osc31.4
    KST44.52

    Financial Data

    QuarterMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
    Total Revenue$9.88M$9.84M$9.74M$9.76M$10.12M$9.60M$9.52M$9.92M$9.41M$9.65M$9.89M$10.37M
    Cost of Revenue$5.02M$4.87M$4.59M$5.05M$4.83M$5.85M$4.76M$5.45M$5.37M$4.17M$4.75M$3.63M
    Gross Profit$9.55M$10.00M$10.37M$9.93M$10.51M$9.02M$10.21M$9.93M$9.28M$10.37M$9.35M$10.43M
    Operating Expenses$7.64M$7.95M$7.63M$7.62M$7.86M$7.79M$7.52M$7.17M$7.17M$7.34M$6.86M$7.61M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M$2.82M
    Interest Income$13.86M$13.95M$14.15M$14.10M$14.43M$14.02M$14.07M$13.92M$13.81M$13.66M$13.34M$12.91M
    Interest Expense$4.70M$5.03M$5.22M$5.22M$5.22M$5.26M$5.46M$5.46M$5.25M$4.89M$4.20M$3.68M
    Income Before Tax$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M$2.82M
    Income Tax Expense$557,000$614,000$1.05M$680,000$797,000$352,000$789,000$805,000$620,000$884,000$727,000$1.01M
    Net Income$1.35M$1.44M$1.68M$1.63M$1.86M$872,000$1.90M$1.95M$1.50M$2.14M$1.76M$1.81M
    EBITDA$3.08M$3.07M$3.54M$3.24M$3.39M$2.14M$3.59M$3.61M$2.90M$3.79M$3.25M$3.59M
    EBIT$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M$2.82M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Provident Financial (PROV) Earnings Expected to Grow: Should You Buy?

    Provident Financial (PROV) is expected to report a year-over-year increase in earnings and revenues for the quarter ended June 2026. However, the Zacks Earnings ESP for PROV is negative (-1.82%), and the company carries a Zacks Rank of #3, making it difficult to confidently predict an earnings beat. Investors are advised to consider other factors beyond just earnings expectations.

    Eastern Progress•8/23/26•
    Somewhat-Bearish

    Provident Financial (PROV) SVP has shares withheld for taxes on vesting stock

    Michael Scott Van Stockum, Senior Vice President of Provident Financial Holdings Inc. (PROV), reported a disposition of 272 shares of common stock. These shares were withheld by the company to cover tax obligations on vesting restricted stock. After this transaction, Van Stockum directly holds 10,051 shares, including 8,250 restricted shares vesting through 2030, and indirectly holds 5,684 shares through an ESOP.

    Stock Titan•8/13/26•
    Neutral

    Provident Financial (PROV) CEO uses 1,346 shares at $18.02 for tax withholding

    Provident Financial Holdings Inc.'s President & CEO, Donavon P. Ternes, reported a Form 4 transaction where 1,346 shares were withheld by the issuer at $18.02 per share to cover tax obligations related to restricted stock vesting. This was not an open-market sale. Following this transaction, Ternes directly holds 219,909 shares, including restricted stock vesting in 2028 and shares owned by his spouse, and indirectly holds 20,750 shares through an ESOP.

    Stock Titan•8/13/26•
    Neutral

    Provident Financial (PROV) SVP has 601 shares withheld to cover tax obligations

    Provident Financial Holdings Inc. Senior Vice President Gwendolyn Wertz had 601 shares of common stock withheld by the issuer to cover tax obligations related to vesting restricted stock. The transaction occurred on August 12, 2026, at a price of $18.02 per share. Following this, Wertz directly holds 18,083 shares, including 4,500 restricted shares that vest in 2028, and indirectly holds 8,207 shares through an ESOP.

    Stock Titan•8/13/26•
    Neutral

    Provident Financial (PROV) SVP has 27,482 direct shares after tax-withholding event

    Robert Scott Ritter, Senior Vice President of Provident Financial Holdings Inc. (PROV), reported a tax-withholding event where 601 shares were withheld by the issuer to cover tax obligations related to vested restricted stock. Following this transaction, Ritter directly holds 27,482 shares, including 4,500 restricted shares that vest on May 23, 2028, and indirectly holds 6,298 shares through an ESOP. The shares were withheld at a price of $18.02 per share on August 12, 2026.

    Stock Titan•8/12/26•
    Neutral

    Frequently Asked Questions About PROV

    What is PROV's current dividend yield?
    Provident Financial Holdings Inc (PROV) has a current dividend yield of 3.06%.
    Does PROV pay dividends?
    Yes, Provident Financial Holdings Inc pays dividends with a current yield of 3.06%.
    What is PROV's P/E ratio?
    Provident Financial Holdings Inc has a price-to-earnings (P/E) ratio of 17.78.
    What is PROV's market cap?
    Provident Financial Holdings Inc (PROV) has a market capitalization of $114.94M with a current stock price of $18.31.

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