Provident Financial Holdings Inc
Research Provident Financial Holdings Inc (PROV) on Bullrun: valuation model: 19.9% overvalued, market cap USD 113.69M, P/E 17.6, dividend yield 3.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerPROV
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal19.9% overvalued
- Market capUSD 113.69M
- P/E17.6
- Dividend yield3.1%
- Financial periodFY2026
- RevenueUSD 40.05M
- Revenue growth2.7%
- Net incomeUSD 6.66M
- Free cash flowUSD 8.54M
Valuation Snapshot
Bullrun's latest valuation model marks Provident Financial Holdings Inc as 19.9% overvalued; latest market cap is USD 113.69M; P/E is 17.6; dividend yield is 3.1%.
Peer valuation comparison
Latest P/E is 17.65x versus a Financial Services sector median of 13.41x (31.6% above).
Latest dividend yield is 3.09% versus a Financial Services sector median of 3.66% (15.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2026 | USD 40.05M | USD 6.66M | USD 8.54M | n/a | n/a | USD 49.21M | USD 157.05M | USD 126.22M |
| FY2025 | USD 39.00M | USD 6.26M | USD 8.16M | n/a | 0.93 | USD 53.09M | USD 213.07M | USD 128.55M |
| FY2024 | USD 38.86M | USD 7.35M | USD 4.10M | n/a | 1.06 | USD 51.38M | USD 238.50M | USD 129.94M |
| FY2023 | USD 41.06M | USD 8.59M | USD 15.58M | n/a | 1.19 | USD 65.85M | USD 235.01M | USD 129.69M |
| FY2022 | USD 36.31M | USD 9.09M | USD 11.63M | n/a | 1.22 | USD 23.41M | USD 85.00M | USD 128.65M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 113.69M | 17.6 | 3.1% | 0.56 |
| 2025 | 2025-12-31 | USD 102.06M | 16.1 | 3.5% | 0.56 |
| 2024 | 2024-12-31 | USD 106.69M | 17.5 | 3.5% | 0.56 |
| 2023 | 2023-12-29 | USD 88.09M | 10.9 | 4.4% | 0.56 |
| 2022 | 2022-12-30 | USD 99.18M | 12.0 | 4.1% | 0.56 |
| 2021 | 2021-12-31 | USD 122.16M | 12.7 | 3.4% | 0.56 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.56 USD, yield 3.1%.
| Year | Dividends/share |
|---|---|
| FY2026 | 0.42 USD |
| FY2025 | 0.56 USD |
| FY2024 | 0.56 USD |
| FY2023 | 0.56 USD |
| FY2022 | 0.56 USD |
About Provident Financial Holdings Inc
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 wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans;
Related stock research
Other Financial Services stocks
Frequently asked questions
Is Provident Financial Holdings Inc overvalued or undervalued?
Bullrun's valuation model currently marks Provident Financial Holdings Inc as 19.9% overvalued.
What is Provident Financial Holdings Inc's market cap?
Provident Financial Holdings Inc's market capitalization is USD 113.69M.
What is Provident Financial Holdings Inc's P/E ratio?
Provident Financial Holdings Inc's price-to-earnings (P/E) ratio is 17.6.
Does Provident Financial Holdings Inc pay a dividend?
Provident Financial Holdings Inc has a dividend yield of 3.1%.
What does Provident Financial Holdings Inc do?
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 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.