PROV logo

PROVIDENT FINANCIAL HLDGS

PROVNASDAQ
๐Ÿ† #3801 by market capEarnings Oct 26US Equity
$18.06โ–ฒ $0.11 (+0.61%)
Live
1hโ€”
24hโ–ฒ 0.6%
7dโ–ฒ 0.1%
14dโ–ฒ 4.7%
30dโ–ฒ 4.7%
1yโ–ฒ 16.8%
๐ŸฆMarket Cap
$113M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
-0.9%
Declining
๐Ÿ“ŠGross Margin
68.1%
High
๐Ÿ’ตFCF Margin
9.2%
Moderate
โš–๏ธP/S Ratio
1.9x
Cheap
Otter Score
66
Fair

Trading Snapshot

Day Range
$17.81 โ€“ $18.16
52-Week Range
$14.95 โ€“ $18.47
Volume
$2.53B
Avg Volume
$2.21B
Shares Outstanding
6.3M
Next Earnings
Sep 5, 2026

Fundamentals Snapshot

Annual Revenue
$60M
Last Q Revenue
$15M
P/E Ratio
17.4
P/S Ratio
1.9x
EPS (TTM)
$1.05
Dividend Yield
3.12%

Why Investors Own PROV

  • โœ“High-growth profile โ€” revenue up +17.6% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 62% gross margin and 26% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

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

Financial Trends

Revenue (TTM)
$60Mโ–ฒ +19.9% YoY
Gross Margin (TTM)
61.9%โ–ฒ +2.1% YoY
Operating Income (TTM)
$19Mโ–ฒ +19.9% YoY
Free Cash Flow (TTM)
$16Mโ–ฒ +19.9% YoY

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.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
66/100

Analyst Ratings

โ“˜
Consensus
Sell
7 analysts
Strong Buy0
Buy0
Hold4
Sell1
Strong Sell2
Ratings as of Aug 2026

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