Is PROV a good stock to buy right now?

Based on our 6-factor quantitative model, PROVIDENT FINANCIAL HOLDINGS INC (PROV) receives a "Hold" rating with a composite score of 44.3/100. It is ranked #276 out of 4,446 stocks. Key factor scores: Quality 36/100, Value 47/100, Momentum 48/100. The timing signal is "Bullish". This is quantitative analysis only — not investment advice.

What is the stock rating for PROV?

PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a "Hold" rating and 3-star score. The composite score of 44.3 ranks it #276 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is PROV in?

PROVIDENT FINANCIAL HOLDINGS INC operates in the Financials sector (Banking industry) with a market cap of $104 million. It is classified as a micro-cap stock.

Does PROV pay a dividend?

Yes, PROV pays a dividend with a current yield of 3.56%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $35.60 in annual dividend income.

What is PROV's P/E ratio?

PROV has a trailing P/E ratio of 15.33x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is PROV?

PROV's quality factor score is 36/100. ROE: 5.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is PROV valued compared to peers?

PROV's value factor score is 47/100 (higher = cheaper). Key multiples: P/E 15.3x, EV/EBITDA 10.4x. Valuation is roughly in line with peers.

What is PROV's debt level?

PROV's debt-to-equity ratio is 863%. Sector average: 121%. Elevated leverage increases credit risk.

PROV has a beta of 0.25, meaning it is less volatile than the market. Stability score: 96/100.

Does PROV have high short interest?

PROV's short interest factor score is 15/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

PROV Stock Analysis: Top Micro-Cap Hold (Score 44.3/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
PROV	-0.17%	+5.35%	+7.67%	+7.67%	+23.33%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.11%	+1.75%	+7.33%	+8.03%	-6.20%	-	-	-
Alpha vs Sector	+0.92%	+2.85%	+6.25%	+14.97%	+12.74%	-	-	-

Metric	PROV	Benchmark
P/E Ratio	15.3x	+3%
EV/EBITDA	10.4x	+219%
Price / Book	0.8x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
PROV PROVIDENT FINANCIAL HOLDINGS INC	44	36	47	48	15.3x	5.4%	-	12.1%	1.0%	863.0x	$104M

Key Ratio	TTM	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Gross Margin %	-	-	-	0.9%	-	-	0.9%	0.9%	0.8%	0.6%	0.5%
Operating Margin %	0.2%	0.1%	0.2%	0.1%	0.3%	0.4%	0.1%	0.1%	0.2%	0.4%	0.5%
EBITDA Margin %	0.2%	0.1%	0.2%	0.3%	0.3%	0.4%	0.5%	0.3%	0.2%	0.1%	0.2%
Net Margin %	0.1%	0.1%	0.1%	0.2%	0.2%	0.3%	0.2%	0.2%	0.1%	0.0%	0.1%
FCF Margin %	-	-	-	10.5%	-	-	32.2%	18.9%	210.4%	43.1%	122.3%
ROE %	0.1%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	6.3%	1.3%	5.5%	1.0%	7.6%	7.9%	2.3%	2.4%	6.5%	8.5%	13.4%

Key Ratio

TTM

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Gross Margin %

0.9%

0.8%

0.6%

0.5%

Operating Margin %

0.2%

0.1%

0.2%

0.1%

0.3%

0.4%

0.1%

0.2%

0.4%

0.5%

EBITDA Margin %

0.2%

0.1%

0.2%

0.3%

0.4%

0.5%

0.3%

0.2%

0.1%

0.2%

Net Margin %

0.1%

0.2%

0.3%

0.2%

0.1%

0.0%

0.1%

FCF Margin %

10.5%

32.2%

18.9%

210.4%

43.1%

122.3%

ROE %

0.1%

0.0%

0.1%

0.0%

ROA %

0.0%

ROIC %

6.3%

1.3%

5.5%

1.0%

7.6%

7.9%

2.3%

2.4%

6.5%

8.5%

13.4%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$57M	$57M	$39M	$46M	$35M	$35M	$41M	$51M	$58M	$67M	$69M	$74M
	—	—	$35M	—	—	$31M	$36M	$38M	$36M	$36M	$32M	$33M
Gross Margin	---	---	89.9%	---	---	87.0%	89.0%	75.3%	62.4%	53.7%	46.6%	45.2%
	—	—	$3M	—	—	$6M	$3M	$3M	$3M	$3M	$2M	$2M
Total Operating Expenses	—	$48M	—	$34M	$22M	—	—	—	—	—	—	—
	$10M	$9M	$4M	$12M	$13M	$5M	$5M	$13M	$22M	$31M	$37M	$40M
EBIT	$10M	$9M	$4M	$12M	$13M	$5M	$5M	$13M	$22M	$31M	$37M	$40M
EBITDA	$10M	$9M	$14M	$12M	$13M	$16M	$14M	$9M	$9M	$11M	$15M	$19M
Operating Margin	17.9%	15.7%	10.1%	27.0%	37.0%	13.0%	11.0%	24.7%	37.6%	46.3%	53.4%	54.8%
EBITDA Margin	17.9%	15.7%	34.8%	27.0%	37.0%	46.7%	34.9%	17.7%	14.9%	17.2%	21.3%	25.7%
	—	$10M	$20M	$9M	$3M	$5M	$6M	$6M	$6M	$7M	$7M	$6M
	—	$9M	—	$12M	$13M	—	—	—	—	—	—	—
Income Tax Expense	—	$3M	$3M	$4M	$4M	$3M	$3M	$2M	$3M	$4M	$5M	$7M
	$7M	$6M	$7M	$9M	$9M	$8M	$8M	$4M	$2M	$5M	$7M	$10M
Net Margin	12.1%	11.1%	18.9%	18.7%	26.2%	21.5%	18.8%	8.7%	3.7%	7.8%	10.8%	13.3%
	$0.22	$0.93	$1.06	$1.20	$1.23	$1.01	$1.03	$0.59	$0.28	$0.66	$0.90	$1.09
Diluted EPS	$0.22	$0.93	$1.06	$1.19	$1.22	$1.01	$1.03	$0.59	$0.28	$0.66	$0.90	$1.09
Weighted Avg Basic	—	7M	—	7M	7M	—	—	—	—	—	—	—
Weighted Avg Diluted	—	7M	—	7M	7M	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$57M

$39M

$46M

$35M

$41M

$51M

$58M

$67M

$69M

$74M

—

$35M

—

$31M

$36M

$38M

$36M

$32M

$33M

Gross Margin

---

89.9%

---

87.0%

89.0%

75.3%

62.4%

53.7%

46.6%

45.2%

—

$3M

—

$6M

$3M

$2M

Total Operating Expenses

—

$48M

—

$34M

$22M

—

$10M

$9M

$4M

$12M

$13M

$5M

$13M

$22M

$31M

$37M

$40M

EBIT

$10M

$9M

$4M

$12M

$13M

$5M

$13M

$22M

$31M

$37M

$40M

EBITDA

$10M

$9M

$14M

$12M

$13M

$16M

$14M

$9M

$11M

$15M

$19M

Operating Margin

17.9%

15.7%

10.1%

27.0%

37.0%

13.0%

11.0%

24.7%

37.6%

46.3%

53.4%

54.8%

EBITDA Margin

17.9%

15.7%

34.8%

27.0%

37.0%

46.7%

34.9%

17.7%

14.9%

17.2%

21.3%

25.7%

—

$10M

$20M

$9M

$3M

$5M

$6M

$7M

$6M

—

$9M

—

$12M

$13M

—

Income Tax Expense

—

$3M

$4M

$3M

$2M

$3M

$4M

$5M

$7M

$6M

$7M

$9M

$8M

$4M

$2M

$5M

$7M

$10M

Net Margin

12.1%

11.1%

18.9%

18.7%

26.2%

21.5%

18.8%

8.7%

3.7%

7.8%

10.8%

13.3%

$0.22

$0.93

$1.06

$1.20

$1.23

$1.01

$1.03

$0.59

$0.28

$0.66

$0.90

$1.09

Diluted EPS

$0.22

$0.93

$1.06

$1.19

$1.22

$1.01

$1.03

$0.59

$0.28

$0.66

$0.90

$1.09

Weighted Avg Basic

—

Weighted Avg Diluted

—

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does PROVIDENT FINANCIAL HOLDINGS INC Do?

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California. PROVIDENT FINANCIAL HOLDINGS INC (PROV) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Craig G. Blunden and employs approximately 160 people, headquartered in RIVERSIDE, California. With a market capitalization of $104M, PROV is one of the notable companies in the Financials sector.

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Stock Rating — Hold (April 2026)

As of April 2026, PROVIDENT FINANCIAL HOLDINGS INC receives a Hold rating with a composite score of 44.3/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.PROV ranks #276 out of 4,446 stocks in our coverage universe. Within the Financials sector, PROVIDENT FINANCIAL HOLDINGS INC ranks #103 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PROV Stock Price and 52-Week Range

PROVIDENT FINANCIAL HOLDINGS INC (PROV) currently trades at $17.13. The stock lost $0.03 (0.2%) in the most recent trading session. The 52-week high for PROV is $16.64, which means the stock is currently trading 3.0% from its annual peak. The 52-week low is $13.50, putting the stock 26.9% above its annual trough. Recent trading volume was 12K shares, suggesting relatively thin trading activity.

Is PROV Overvalued or Undervalued? — Valuation Analysis

PROVIDENT FINANCIAL HOLDINGS INC (PROV) carries a value factor score of 47/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 15.33x, compared to the Financials sector average of 14.88x — a premium of 3%. The price-to-book ratio stands at 0.83x, versus the sector average of 1.22x. The price-to-sales ratio is 1.86x, compared to 0.90x for the average Financials stock. On an enterprise value basis, PROV trades at 10.40x EV/EBITDA, versus 3.26x for the sector.

Overall, PROV's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

PROVIDENT FINANCIAL HOLDINGS INC Profitability — ROE, Margins, and Quality Score

PROVIDENT FINANCIAL HOLDINGS INC (PROV) earns a quality factor score of 36/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 5.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.6% versus the sector average of 1.2%.

The operating margin is 17.9% (sector: 21.8%). Net profit margin stands at 12.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 1.0% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PROV Debt, Balance Sheet, and Financial Health

PROVIDENT FINANCIAL HOLDINGS INC has a debt-to-equity ratio of 863.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage.

PROV has a beta of 0.25, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for PROVIDENT FINANCIAL HOLDINGS INC is 96/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

PROVIDENT FINANCIAL HOLDINGS INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, PROVIDENT FINANCIAL HOLDINGS INC reported revenue of $57M and earnings per share (EPS) of $0.22. Net income for the quarter was $7M. Operating income came in at $10M.

In Q2 2026, PROVIDENT FINANCIAL HOLDINGS INC reported revenue of $14M and earnings per share (EPS) of $0.22. Net income for the quarter was $1M. Operating income came in at $2M.

In Q1 2026, PROVIDENT FINANCIAL HOLDINGS INC reported revenue of $14M and earnings per share (EPS) of $0.26. Net income for the quarter was $2M. Revenue grew 0.5% year-over-year compared to Q1 2025. Operating income came in at $3M.

In FY 2025, PROVIDENT FINANCIAL HOLDINGS INC reported revenue of $57M and earnings per share (EPS) of $0.93. Net income for the quarter was $6M. Revenue grew 45.7% year-over-year compared to FY 2024. Operating income came in at $9M.

Over the past 8 quarters, PROVIDENT FINANCIAL HOLDINGS INC has demonstrated a growth trajectory, with revenue expanding from $14M to $57M. Investors analyzing PROV stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PROV Dividend Yield and Income Analysis

PROVIDENT FINANCIAL HOLDINGS INC (PROV) currently pays a dividend yield of 3.6%. At this yield, a $10,000 investment in PROV stock would generate approximately $$356.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning PROV offers above-average income for its sector. The net margin of 12.1% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

PROV Momentum and Technical Analysis Profile

PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a momentum factor score of 48/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 33/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 15/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

PROV vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, PROVIDENT FINANCIAL HOLDINGS INC (PROV) ranks #103 out of 891 stocks based on the Blank Capital composite score. This places PROV in the top quartile of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing PROV against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PROV vs S&P 500 (SPY) comparison to assess how PROVIDENT FINANCIAL HOLDINGS INC stacks up against the broader market across all factor dimensions.

PROV Next Earnings Date

No upcoming earnings date has been announced for PROVIDENT FINANCIAL HOLDINGS INC (PROV) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PROV? — Investment Thesis Summary

PROVIDENT FINANCIAL HOLDINGS INC presents a balanced picture with arguments on both sides. The quality score of 36/100 flags below-average profitability. Low volatility (stability score 96/100) reduces downside risk.

In summary, PROVIDENT FINANCIAL HOLDINGS INC (PROV) earns a Hold rating with a composite score of 44.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PROV stock.

Related Resources for PROV Investors

Explore more research and tools: PROV vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PROV head-to-head with peers: PROV vs WTM, PROV vs OPY, PROV vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does PROVIDENT FINANCIAL HOLDINGS INC Do?

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Stock Rating — Hold (April 2026)

PROV Stock Price and 52-Week Range

Is PROV Overvalued or Undervalued? — Valuation Analysis

PROVIDENT FINANCIAL HOLDINGS INC Profitability — ROE, Margins, and Quality Score

PROV Debt, Balance Sheet, and Financial Health

PROVIDENT FINANCIAL HOLDINGS INC Revenue and Earnings History — Quarterly Trend

PROV Dividend Yield and Income Analysis

PROV Momentum and Technical Analysis Profile

PROV vs Competitors — Financials Sector Ranking and Peer Comparison

PROV Next Earnings Date

Should You Buy PROV? — Investment Thesis Summary

Related Resources for PROV Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Provident Financial Holdings, Inc. (NASDAQ:PROV) Stock Goes Ex-Dividend In Just Two Days

Provident Financial Holdings, Inc. (NASDAQ:PROV) Q2 2026 Earnings Call Transcript

Provident Financial signals net interest margin expansion opportunity with loan repricing and cost reductions (NASDAQ:PROV)

Provident Financial Q2 Earnings Call Highlights

Provident Financial Holdings Inc (PROV) Q2 2026 Earnings Call Highlights: Strong Loan ...