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PROVIDENT FINANCIAL HLDGS

PROVNASDAQ
πŸ† #3895 by market capEarnings Jan 25US Equity
$18.20β–² $0.00 (+0.00%)
Market closed Β· at close
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24hβ–² 0.0%
7dβ–² 0.1%
14dβ–² 0.2%
30dβ–Ό 1.4%
ytdβ–² 13.9%
1yβ–² 17.1%
🏦Market Cap
$113M
Small Cap
πŸ“ˆRevenue Growth (YoY)
37.8%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
14.5%
Healthy
βš–οΈP/S Ratio
1.9x
Cheap
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$18.15 – $18.20
52-Week Range
$14.95 – $18.99
Volume (shares)
23,081
Avg Volume (shares)
β€”
Shares Outstanding
6.2M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$60M
Last Q Revenue
$16M
P/E Ratio
17.0
P/S Ratio
1.9x
EPS (TTM)
$1.03
Dividend Yield
3.17%
Dilution (1yr)
βˆ’1.3%
PROV logo

PROVIDENT FINANCIAL HLDGS

PROV
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$60Mβ–Ό βˆ’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%β–² +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.
$10Mβ–² +8.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9Mβ–² +4.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.4Mβ–Ό βˆ’1.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$108Mβ–² +$51M YoY
StockOtter Β· 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 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Sell
7 analysts
Strong Buy0
Buy0
Hold4
Sell1
Strong Sell2
Ratings as of Oct 2026

Latest News & Updates

MarketBeatΒ·13h ago

Provident Financial Q1 Earnings Call Highlights

Provident Financial NASDAQ: PROV reported modest loan growth in its fiscal first quarter of 2027, supported by lower loan payoff activity and stable origination pipelines, while management said it expects seasonal factor

Fool - Investing NewsΒ·14h ago

Provident Financial: 3 Key Takeaways for Long-Term Investors

Loan repricing is pushing yields higher while credit quality remains pristine, a rare combination that justifies aggressive capital returns.

Seeking AlphaΒ·17h ago

Provident Financial Holdings, Inc. (PROV) Q1 2027 Earnings Call Transcript

Provident Financial Holdings, Inc. ( PROV ) Q1 2027 Earnings Call October 28, 2026 12:00 PM EDT Company Participants Donavon Ternes - President, CEO & Director Conference Call Participants Adam Kroll - Piper Sandler & Co

Zacks Investment ResearchΒ·1d ago

Provident Financial (PROV) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

While the top- and bottom-line numbers for Provident Financial (PROV) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wa

Zacks Investment ResearchΒ·1d ago

Provident Financial (PROV) Q1 Earnings Lag Estimates

Provident Financial (PROV) came out with quarterly earnings of $0.25 per share, missing the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.25 per share a year ago.

GlobeNewsWireΒ·2d ago

Provident Financial Holdings Reports First Quarter Of Fiscal 2027 Results

Net Income of $1.57 Million in the September 2026 Quarter, Down 28% from the Sequential Quarter and 6% from the Comparable Quarter Last Year Net Interest Margin of 3.32% in the September 2026 Quarter, Up 11 Basis Points