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    P

    Provident Financial Holdings Inc (PROV)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $18.11
    -0.04 (-0.22%)

    Market Cap: $112.49M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    49%(19/39)
    Avg Surprise
    -1.17%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.32
    Range$0.30 - $0.33
    2 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.30+5.0%
    60d ago$0.30+5.0%
    30d ago$0.28+14.5%
    7d ago$0.28+14.5%
    Current$0.32
    Revenue Consensus
    $10M
    Range$10M - $10M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.32
    Range$0.30 - $0.34
    2 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.31+3.2%
    60d ago$0.31+3.2%
    30d ago$0.28+12.3%
    7d ago$0.28+12.3%
    Current$0.32
    Revenue Consensus
    $10M
    Range$10M - $10M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.32---
    Sep 26EST
    		-$0.32---
    Jun 26
    Reported Jul 28
    		$0.35$0.28+25.00%Beat+45.8%
    Mar 26
    Reported Apr 28
    		$0.21$0.29-27.59%Miss-25.0%
    Dec 25
    Reported Jan 26
    		$0.22$0.30-26.67%Miss+69.2%
    Sep 25
    Reported Oct 28
    		$0.25$0.29-13.79%Miss-10.7%
    Jun 25
    Reported Jul 28
    		$0.24$0.28-14.29%Miss-14.3%
    Mar 25
    Reported Apr 28
    		$0.28$0.24+16.67%Beat+27.3%
    Dec 24
    Reported Jan 28
    		$0.13$0.26-50.00%Miss-58.1%
    Sep 24
    Reported Oct 28
    		$0.28$0.25+12.00%Beat+12.0%
    Jun 24
    Reported Jul 29
    		$0.28$0.23+21.74%Beat+7.7%
    Mar 24
    Reported Apr 29
    		$0.22$0.26-15.38%Miss-33.3%
    Dec 23
    Reported Jan 29
    		$0.31$0.26+19.23%Beat-6.1%
    Sep 23
    Reported Oct 25
    		$0.25$0.28-10.71%Miss-13.8%
    Jun 23
    Reported Jul 26
    		$0.26$0.33-21.21%Miss-23.5%
    Mar 23
    Reported Apr 26
    		$0.33$0.32+3.13%Beat+43.5%
    Dec 22
    Reported Jan 27
    		$0.33$0.32+3.13%Beat+10.0%
    Sep 22
    Reported Oct 25
    		$0.29$0.31-6.45%Miss-17.1%
    Jun 22
    Reported Jul 26
    		$0.34$0.22+54.55%Beat-22.7%
    Mar 22
    Reported Apr 26
    		$0.23$0.22+4.55%Beat+9.5%
    Dec 21
    Reported Jan 26
    		$0.30$0.20+50.00%Beat+87.5%
    Sep 21
    Reported Oct 26
    		$0.35$0.21+66.67%Beat+75.0%
    Jun 21
    Reported Jul 28
    		$0.44$0.20+120.00%Beat+109.5%
    Mar 21
    Reported Apr 27
    		$0.21$0.21+0.00%Beat+40.0%
    Dec 20
    Reported Jan 27
    		$0.16$0.24-33.33%Miss-48.4%
    Sep 20
    Reported Oct 28
    		$0.20$0.22-9.09%Miss-39.4%
    Jun 20
    Reported Jul 28
    		$0.21$0.20+5.00%Beat+110.0%
    Mar 20
    Reported Apr 28
    		$0.15$0.30-50.00%Miss+850.0%
    Dec 19
    Reported Jan 27
    		$0.31$0.36-13.89%Miss+19.2%
    Sep 19
    Reported Oct 29
    		$0.33$0.34-2.94%Miss+37.5%
    Jun 19
    Reported Jul 30
    		$0.10$0.11-9.09%Miss-44.4%
    Mar 19
    Reported Apr 29
    		$-0.02N/A-120.00%Miss-108.7%
    Dec 18
    Reported Jan 28
    		$0.26$0.24+8.33%Beat+30.0%
    Sep 18
    Reported Oct 29
    		$0.24$0.23+4.35%Beat+60.0%
    Jun 18
    Reported Jul 30
    		$0.18$0.24-25.00%Miss-10.0%
    Mar 18
    Reported Apr 26
    		$0.23$0.18+27.78%Beat+64.3%
    Dec 17
    Reported Jan 29
    		$0.20$0.20+0.00%Beat+11.1%
    Sep 17
    Reported Oct 26
    		$0.15$0.16-6.25%Miss-
    Jun 17
    Reported Jul 26
    		$0.20$0.18+11.11%Beat-
    Mar 17
    Reported Apr 27
    		$0.14$0.16-12.50%Miss-
    Dec 16
    Reported Jan 27
    		$0.18$0.26-30.77%Miss-

    Dividends

    Dividend Metrics

    Forward Yield3.09%
    Forward Annual Dividend$0.56
    Payout Ratio52.46%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    PROV dividend history and ex-dividend datesRun PROV in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio17.58EV/EBITDA16.35x
    Price/FCF13.22xFCF Yield7.56%
    Profitability
    Profit Margin16.40%Operating Margin29.00%
    ROE5.22%ROIC2.35%
    Financial Health
    Debt/Equity1.24xInterest Coverage0.49x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.31Avg Volume14.96K
    52-Week High$18.9952-Week Low$14.53

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$18.25
    SMA 20$18.31
    SMA 50$18.28
    SMA 200$16.95
    EMA 10$18.22
    EMA 20$18.28
    EMA 50$18.15
    EMA 200$17.11

    MACD

    Line: -0.04Signal: -0.01Hist: -0.04

    ADX

    ADX: 21.6+DI: 14.5-DI: 20.2

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down56.0
    PSAR$18.78

    Bollinger Bands

    Upper Band$18.65
    Lower Band$17.98
    %B Position367%(Upper)
    Band Width0.20

    RSI (14-Day)

    Neutral
    43.2

    Momentum Oscillators

    Stoch %K13.0
    Stoch %D15.7
    Williams %R-88.3
    ROC (10d)-0.8%
    Momentum-0.14
    CCI (20d)-112.4
    MFI (14d)57.0

    Volatility Measures

    ATR (14d)$0.25(1.4%)
    StdDev (20d)0.17
    Hist Vol11.2%(Low)

    Volume Flow

    VWAP$18.14
    OBV499.0K
    AD Line-26520005752.9B
    CMF (20d)-0.301

    Volume Metrics

    Avg Vol (20d)14.4K
    Vol Ratio0.6x
    VWMA (20d)$18.33

    Pivot Points

    R3$18.28
    R2$18.23
    R1$18.19
    Pivot Point$18.14
    S1$18.10
    S2$18.05
    S3$18.01

    Advanced Oscillators

    TSI-6.35
    Ultimate Osc39.7
    KST-7.88

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$10.59M$9.88M$9.84M$9.74M$9.76M$10.12M$9.60M$9.52M$9.92M$9.41M$9.65M$9.89M
    Cost of RevenueN/A$5.02M$4.87M$4.59M$5.05M$4.83M$5.85M$4.76M$5.45M$5.37M$4.17M$4.75M
    Gross ProfitN/A$9.55M$10.00M$10.37M$9.93M$10.51M$9.02M$10.21M$9.93M$9.28M$10.37M$9.35M
    Operating Expenses$7.75M$7.64M$7.95M$7.63M$7.62M$7.86M$7.79M$7.52M$7.17M$7.17M$7.34M$6.86M
    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 IncomeN/A$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M
    Interest Income$13.93M$13.86M$13.95M$14.15M$14.10M$14.43M$14.02M$14.07M$13.92M$13.81M$13.66M$13.34M
    Interest Expense$4.62M$4.70M$5.03M$5.22M$5.22M$5.22M$5.26M$5.46M$5.46M$5.25M$4.89M$4.20M
    Income Before Tax$2.94M$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M
    Income Tax Expense$756,000$557,000$614,000$1.05M$680,000$797,000$352,000$789,000$805,000$620,000$884,000$727,000
    Net Income$2.18M$1.35M$1.44M$1.68M$1.63M$1.86M$872,000$1.90M$1.95M$1.50M$2.14M$1.76M
    EBITDA$3.81M$3.08M$3.07M$3.54M$3.24M$3.39M$2.14M$3.59M$3.61M$2.90M$3.79M$3.25M
    EBIT$2.94M$1.91M$2.05M$2.73M$2.31M$2.65M$1.22M$2.69M$2.76M$2.12M$3.02M$2.49M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Provident Financial stock crosses 200-day line before October earnings

    Provident Financial (PROV) stock crossed its 200-day moving average on October 13, 2026, reaching $18.37 before closing at $18.15. This technical signal comes ahead of the company's fiscal 2027 first-quarter earnings...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Liquidity Mapping Around (PROV) Price Events

    This article analyzes Provident Financial Holdings Inc. (NASDAQ: PROV) using proprietary AI models to map liquidity around price events. It highlights weak near-term sentiment despite potential long-term strength...

    Stock Traders Daily•10/15/26•Somewhat-Bearish

    Executive pay faces an advisory vote at Provident Financial (PROV)'s online-only November 19 meeting.

    Provident Financial Holdings, Inc. (PROV) will hold its annual shareholder meeting online on November 19, 2026. Shareholders will vote on the election of two directors, an advisory resolution for executive compensation...

    Stock Titan•10/9/26•Neutral

    Form DEF 14A PROVIDENT FINANCIAL HOLDINGS For: 9 October By Investing.com

    This article announces the filing of Form DEF 14A by PROVIDENT FINANCIAL HOLDINGS for October 9. The document is related to stock market activities and was published by Investing.com. It also includes general market data...

    Investing.com India•10/9/26•Neutral

    Provident Financial Holdings Announces Virtual Annual Meeting for November 19, 2026

    Provident Financial Holdings, Inc. has announced its virtual annual meeting for November 19, 2026. Shareholders will vote on director elections, executive compensation...

    Kalkine Media•10/9/26•Neutral

    PROV Valuation and Fair Value

    P/E
    17.6x
    Forward P/E
    10.2x
    EV/EBITDA
    16.3x
    P/FCF
    13.2x
    PEG
    4.0x
    P/B
    0.9x
    See GNG's fair value

    PROV Profitability: Margins, ROIC and FCF

    Operating margin
    29.0%
    Net margin
    16.4%
    ROIC
    2.3%
    ROE
    5.2%
    FCF margin
    21.3%
    FCF yield
    7.6%

    PROV Competitors

    CompanyTicker
    Union Bankshares IncUNB
    FG Merger II Corp. UnitFGMCU
    OptimumBank Holdings, Inc.OPHC
    Monroe Capital CorpMRCC
    Plum Acquisition Corp. IV Class A Ordinary SharesPLMK
    Sound Financial Bancorp IncSFBC
    Hennessy Capital Investment Corp. VII Ordinary SharesHVII
    Quartzsea Acquisition CorporatiQSEA

    Sector: Financial Services

    PROV Bull Case vs Bear Case

    Bull case

    • PROV converts 21.3% of revenue into free cash flow.
    • PROV grew quarterly revenue 10.3% year over year.

    Bear case

    • PROV beat EPS estimates in 37.5% of its last 8 reported quarters.

    PROV Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -9.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.32
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    PROV Dividend

    Forward yield
    3.1%
    Payout ratio
    52.5%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Dec
    PROV dividend history

    Frequently Asked Questions About PROV

    What is PROV's current dividend yield?

    Provident Financial Holdings Inc (PROV) has a forward dividend yield of 3.09%.

    Does PROV pay dividends?

    Yes, Provident Financial Holdings Inc pays dividends with a forward dividend yield of 3.09%.

    What is PROV's P/E ratio?

    Provident Financial Holdings Inc has a price-to-earnings (P/E) ratio of 17.58.

    What is PROV's market cap?

    Provident Financial Holdings Inc (PROV) has a market capitalization of $112.49M with a current stock price of $18.11.

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