PROV
Provident Financial Holdings Inc
NASDAQ: PROV · FINANCIAL SERVICES · BANKS - REGIONAL
$16.95
+0.12% today
Updated 2026-06-04
Market cap
$106.69M
P/E ratio
18.34
P/S ratio
2.69x
EPS (TTM)
$0.93
Dividend yield
3.34%
52W range
$14 – $17
Volume
0.0M
WallStSmart proprietary scores
47
out of 100
Grade: C
Sell
Investment rating
4.0
Growth
C3.5
Quality
D6.0
Profitability
B4.3
Valuation
C4/9
Piotroski F-Score
Moderate
-0.4
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$16.50
-2.65%
12-Month target
$20.01
+18.05%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Free cash flow $1.75M — positive
Risks
- Altman Z -0.42 — distress zone
- Revenue declining -11.20% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $39.45M | $41.06M | $58.67M | $60.16M | $39.60M |
| Net income | $9.09M | $8.59M | $7.35M | $6.25M | $1.35M |
| EPS | — | — | — | — | $0.93 |
| Free cash flow | $11.63M | $15.58M | $4.10M | $8.15M | $1.75M |
| Profit margin | 23.05% | 20.93% | 12.53% | 10.40% | 15.40% |
Peer comparison
Smart narrative
Provident Financial Holdings Inc trades at $16.95. representing a P/E of 18.34x trailing earnings. Our Smart Value Score of 47/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of -0.42, it sits in the distress. TTM revenue stands at $39.60M. with profit margins at 15.40%.
Frequently asked questions
What is Provident Financial Holdings Inc's stock price?
Provident Financial Holdings Inc (PROV) trades at $16.95, on a P/E of 18.3x and a P/S of 2.7x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Provident Financial Holdings Inc overvalued?
Provident Financial Holdings Inc carries a Smart Value Score of 47/100 (Grade C), which we rate Sell. That score blends growth, quality, and valuation into one read.
What is the price target of Provident Financial Holdings Inc (PROV)?
The 12-month analyst consensus target is $16.50, about 2.7% below the current $16.95. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Provident Financial Holdings Inc's revenue?
Provident Financial Holdings Inc's trailing twelve-month revenue is $39.60M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Provident Financial Holdings Inc's Altman Z-Score is -0.42, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.69x
ROE4.77%
Beta0.33
50D MA$16.95
200D MA$16.08
Shares out0.01B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
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