Provident Financial Holdings Inc
Research Provident Financial Holdings Inc (PROV) on Bullrun: valuation model: 13.4% overvalued, market cap USD 114.69M, P/E 17.8, 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 signal13.4% overvalued
- Market capUSD 114.69M
- P/E17.8
- Dividend yield3.1%
- Financial periodQ1 2026
- RevenueUSD 9.88M
- Net incomeUSD 1.35M
- Free cash flowUSD 1.75M
Valuation Snapshot
Bullrun's latest valuation model marks Provident Financial Holdings Inc as 13.4% overvalued; latest market cap is USD 114.69M; P/E is 17.8; dividend yield is 3.1%.
Peer valuation comparison
Latest P/E is 17.8x versus a Financial Services sector median of 13.84x (28.7% above).
Latest dividend yield is 3.06% versus a Financial Services sector median of 3.86% (20.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 39.47M | USD 6.26M | USD 8.16M | n/a | 0.93 | USD 53.09M | USD 213.06M | USD 128.55M |
| FY2024 | USD 38.44M | USD 7.35M | USD 4.10M | n/a | 1.06 | USD 51.38M | USD 245.50M | USD 129.94M |
| FY2023 | USD 40.29M | USD 8.59M | USD 15.58M | n/a | 1.19 | USD 65.85M | USD 242.50M | USD 129.69M |
| FY2022 | n/a | 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 | 2026-08-25 | USD 114.69M | 17.8 | 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 |
|---|---|
| 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 merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans;
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Frequently asked questions
Is Provident Financial Holdings Inc overvalued or undervalued?
Bullrun's valuation model currently marks Provident Financial Holdings Inc as 13.4% overvalued.
What is Provident Financial Holdings Inc's market cap?
Provident Financial Holdings Inc's market capitalization is USD 114.69M.
What is Provident Financial Holdings Inc's P/E ratio?
Provident Financial Holdings Inc's price-to-earnings (P/E) ratio is 17.8.
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 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.