PROVIDENT FINANCIAL HLDGS (PROV) Stock Fundamental Analysis

NASDAQ:PROV • US7438681014

16.21 USD
0 (0%)
Last: Feb 26, 2026, 02:38 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PROV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. PROV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PROV is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PROV had positive earnings in the past year.
  • PROV had a positive operating cash flow in the past year.
  • Each year in the past 5 years PROV has been profitable.
  • In the past 5 years PROV always reported a positive cash flow from operatings.
PROV Yearly Net Income VS EBIT VS OCF VS FCFPROV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of PROV (0.49%) is worse than 78.89% of its industry peers.
  • PROV has a worse Return On Equity (4.70%) than 79.42% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 4.7%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.63%
ROE(3y)5.72%
ROE(5y)6.04%
ROIC(3y)N/A
ROIC(5y)N/A
PROV Yearly ROA, ROE, ROICPROV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • PROV's Profit Margin of 15.39% is on the low side compared to the rest of the industry. PROV is outperformed by 76.25% of its industry peers.
  • In the last couple of years the Profit Margin of PROV has declined.
  • PROV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.83%
PM growth 5Y-3.15%
GM growth 3YN/A
GM growth 5YN/A
PROV Yearly Profit, Operating, Gross MarginsPROV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • PROV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, PROV has less shares outstanding
  • The number of shares outstanding for PROV has been reduced compared to 5 years ago.
  • Compared to 1 year ago, PROV has a worse debt to assets ratio.
PROV Yearly Shares OutstandingPROV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
PROV Yearly Total Debt VS Total AssetsPROV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • PROV has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.01, PROV belongs to the best of the industry, outperforming 89.71% of the companies in the same industry.
  • A Debt/Equity ratio of 0.00 indicates that PROV is not too dependend on debt financing.
  • PROV has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. PROV outperforms 88.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC8.47%
PROV Yearly LT Debt VS Equity VS FCFPROV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PROV Yearly Current Assets VS Current LiabilitesPROV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.79% over the past year.
  • Measured over the past years, PROV shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.44% on average per year.
  • Looking at the last year, PROV shows a small growth in Revenue. The Revenue has grown by 2.66% in the last year.
  • The Revenue has been decreasing by -0.95% on average over the past years.
EPS 1Y (TTM)8.79%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%69.23%
Revenue 1Y (TTM)2.66%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.27%

3.2 Future

  • PROV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.15% yearly.
  • The Revenue is expected to grow by 3.34% on average over the next years.
EPS Next Y75.48%
EPS Next 2Y16.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.97%
Revenue Next 2Y3.34%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PROV Yearly Revenue VS EstimatesPROV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
PROV Yearly EPS VS EstimatesPROV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • PROV is valuated correctly with a Price/Earnings ratio of 16.37.
  • PROV's Price/Earnings ratio is a bit more expensive when compared to the industry. PROV is more expensive than 76.78% of the companies in the same industry.
  • PROV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.05.
  • A Price/Forward Earnings ratio of 12.92 indicates a correct valuation of PROV.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PROV indicates a slightly more expensive valuation: PROV is more expensive than 64.38% of the companies listed in the same industry.
  • PROV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 16.37
Fwd PE 12.92
PROV Price Earnings VS Forward Price EarningsPROV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • PROV's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.58
EV/EBITDA N/A
PROV Per share dataPROV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • PROV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PROV's earnings are expected to grow with 16.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y16.15%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.44%, PROV has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, PROV pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, PROV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

  • The dividend of PROV decreases each year by -0.10%.
  • PROV has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PROV has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.1%
Div Incr Years0
Div Non Decr Years14
PROV Yearly Dividends per sharePROV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 61.73% of the earnings are spent on dividend by PROV. This is not a sustainable payout ratio.
DP61.73%
EPS Next 2Y16.15%
EPS Next 3YN/A
PROV Yearly Income VS Free CF VS DividendPROV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
PROV Dividend Payout.PROV Dividend Payout, showing the Payout Ratio.PROV Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PROVIDENT FINANCIAL HLDGS

NASDAQ:PROV (2/26/2026, 2:38:06 PM)

16.21

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners49.62%
Inst Owner Change0.51%
Ins Owners10.43%
Ins Owner Change-0.5%
Market Cap103.42M
Revenue(TTM)39.47M
Net Income(TTM)6.04M
Analysts45.71
Price Target16.32 (0.68%)
Short Float %0.67%
Short Ratio4.02
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend0.56
Dividend Growth(5Y)-0.1%
DP61.73%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.87%
Min EPS beat(2)-18.3%
Max EPS beat(2)-17.44%
EPS beat(4)0
Avg EPS beat(4)-25.07%
Min EPS beat(4)-56.05%
Max EPS beat(4)-8.5%
EPS beat(8)3
Avg EPS beat(8)-7.24%
EPS beat(12)4
Avg EPS beat(12)-7.94%
EPS beat(16)6
Avg EPS beat(16)-1.77%
Revenue beat(2)0
Avg Revenue beat(2)-5.75%
Min Revenue beat(2)-6.35%
Max Revenue beat(2)-5.15%
Revenue beat(4)1
Avg Revenue beat(4)-3.55%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)0.62%
Revenue beat(8)2
Avg Revenue beat(8)-2.9%
Revenue beat(12)3
Avg Revenue beat(12)-2.92%
Revenue beat(16)5
Avg Revenue beat(16)-2.1%
PT rev (1m)0%
PT rev (3m)-1.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.75%
EPS NY rev (1m)0%
EPS NY rev (3m)19.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.37
Fwd PE 12.92
P/S 2.64
P/FCF 12.58
P/OCF 11.99
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)0.99
EY6.11%
EPS(NY)1.25
Fwd EY7.74%
FCF(TTM)1.29
FCFY7.95%
OCF(TTM)1.35
OCFY8.34%
SpS6.15
BVpS20.12
TBVpS20.12
PEG (NY)0.22
PEG (5Y)N/A
Graham Number21.17
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 4.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.39%
GM N/A
FCFM 20.95%
ROA(3y)0.58%
ROA(5y)0.63%
ROE(3y)5.72%
ROE(5y)6.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.83%
PM growth 5Y-3.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 11.87%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.47%
ROIC/WACCN/A
Cap/Depr(3y)29.15%
Cap/Depr(5y)18.96%
Cap/Sales(3y)2.38%
Cap/Sales(5y)1.65%
Profit Quality(3y)122.5%
Profit Quality(5y)128.99%
High Growth Momentum
Growth
EPS 1Y (TTM)8.79%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%69.23%
EPS Next Y75.48%
EPS Next 2Y16.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.66%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.27%
Revenue Next Year2.97%
Revenue Next 2Y3.34%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.58%
FCF growth 3Y-11.08%
FCF growth 5Y0.89%
OCF growth 1Y-50.45%
OCF growth 3Y-9.71%
OCF growth 5Y1.66%

PROVIDENT FINANCIAL HLDGS / PROV FAQ

Can you provide the ChartMill fundamental rating for PROVIDENT FINANCIAL HLDGS?

ChartMill assigns a fundamental rating of 4 / 10 to PROV.


What is the valuation status for PROV stock?

ChartMill assigns a valuation rating of 4 / 10 to PROVIDENT FINANCIAL HLDGS (PROV). This can be considered as Fairly Valued.


What is the profitability of PROV stock?

PROVIDENT FINANCIAL HLDGS (PROV) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for PROV stock?

The Price/Earnings (PE) ratio for PROVIDENT FINANCIAL HLDGS (PROV) is 16.37 and the Price/Book (PB) ratio is 0.81.


What is the financial health of PROVIDENT FINANCIAL HLDGS (PROV) stock?

The financial health rating of PROVIDENT FINANCIAL HLDGS (PROV) is 4 / 10.