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Provident Financial(NASDAQ) PROV

Current Price$17.22
Market Cap$107.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+560%
5 Year+20%
1 Year+14%
1 Month+1%
Provident Financial last closing stock price
MetricPriceDate
Last closeUSD 17.212026-07-23
Provident Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.06%USD 17.202026-07-16
1 month+0.58%USD 17.112026-06-23
3 month+2.02%USD 16.872026-04-24
Year to date+10.01%USD 15.642025-12-31
1 year+13.53%USD 15.162025-07-23
3 year+36.4%USD 12.622023-07-24
5 year+20.33%USD 14.302021-07-23
Since inception+560.29%USD 2.611996-06-28

Provident Financial Financials at a Glance

Market Cap

$107.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$59.38M

Net Income (TTM)

$6.10M

EPS (TTM)

$0.93

P/E Ratio

18.55

Dividend

$0.56

Beta (Volatility)

0.19 (Low)

Price

$17.22

Volume

0

Open

$17.10

Previous Close

$17.22

Daily Range

$17.10 - $17.22

52-Week Range

$14.95 - $17.42

Estimated Earnings Date

Jul 27, 2026

PROV News

No articles available.

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About Provident Financial

Provident Financial Holdings, Inc., headquartered in Riverside, California, operates as the holding company for Provident Savings Bank, F.S.B., a federally chartered stock savings bank. The bank is a financial services provider focused on community banking, investment services, and trustee services for real estate transactions in Southern California's Inland Empire region. It emphasizes residential mortgage loans but also engages in multi-family and commercial real estate lending. Provident Financial Holdings aims to bolster its customer experience through technology investments and diversified banking services.

Products and Services

Community banking services, including deposits and loan offerings.

Residential and commercial real estate loans.

Investment services and trustee services for real estate transactions.

Consumer loans and small business banking.

What Makes Provident Financial Holdings, Inc. Special

Provident Financial Holdings, Inc. distinguishes itself through its personalized, community-focused banking services, local market knowledge, and stable presence in the competitive Inland Empire region. This regional bank is also noteworthy for its strategic investments in digital technology to improve customer interactions and operational efficiency, positioning itself as an accessible and customer-centric financial institution.

Five Things You Need to Know

As of June 30, 2024, Provident Financial Holdings, Inc. held consolidated total assets of $1.27 billion with $888.3 million in deposits.

The bank operates 12 full-service offices in Riverside County and one in San Bernardino County.

Provident emphasizes growth through digital banking capabilities and technological enhancements.

The bank's diversified loan portfolio is mainly comprised of residential, multi-family, and commercial real estate loans.

The corporation is adept at navigating regulatory environments due to seasoned executives with extensive industry experience.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

163

CEO

Donovan P. Ternes

Website

ir.myprovident.com/CorporateProfile

Headquarters

Riverside, CA 92506, US

PROV Financials

Key Financial Metrics (TTM)

Gross Margin

67.10%

Operating Margin

15.16%

Net Income Margin

10.27%

Return on Equity

4.77%

Return on Capital

2.60%

Return on Assets

0.50%

Earnings Yield

5.39%

Dividend Yield

3.25%

Payout Ratio

59.73%

Stock Overview

Market Cap

$107.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.25M

Volume

0

Avg. Volume

6.45K

Financials (TTM)

Gross Profit

$39.84M

Operating Income

$9.00M

EBITDA

$12.94M

Operating Cash Flow

$8.09M

Capital Expenditure

-$458.00K

Free Cash Flow

$7.63M

Cash & ST Invst.

$57.13M

Total Debt

$186.31M

Provident Financial Performance Analysis

Provident Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30USD 39,446,000N/A
20232023-06-30USD 50,067,00026.9%
20242024-06-30USD 58,671,00017.2%
20252025-06-30USD 60,155,0002.5%
Provident Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-30-2.3%
Q12025-09-30-0.1%
Q22025-12-31-0.6%
Q32026-03-31-2.0%
Provident Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30USD 1.22N/A
20232023-06-30USD 1.19-2.1%
20242024-06-30USD 1.06-11.6%
20252025-06-30USD 0.93-12.4%
Provident Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-06-30-14.3%
Q12025-09-304.2%
Q22025-12-31-12.0%
Q32026-03-31-4.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$14.57M

-5.0%

Gross Profit

$9.55M

-9.1%

Gross Margin

65.53%

N/A

Market Cap

$107.63MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$660.28K

N/A

Employees

163

N/A

Net Income

$1.35M

-27.1%

EBITDA

$3.08M

-9.1%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$57.13M

+11.8%

Total Debt

$186.31M

-13.6%

Accounts Receivable

$4.20M

-1.6%

Inventory

$0.00

N/A

Long Term Debt

$96.13M

+540.8%

Short Term Debt

$90.18M

-55.0%

Return on Assets

0.50%

N/A

Return on Invested Capital

0.80%

N/A

Free Cash Flow

$1.75M

-47.0%

Operating Cash Flow

$1.89M

-43.1%

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Questions About PROV

What is the current price of Provident Financial?

Provident Financial is trading at $17.22 per share.

What is the 52-week range for Provident Financial?

Over the past 52 weeks, Provident Financial has traded between $14.95 and $17.42.

How much debt does Provident Financial have?

As of the most recent reporting period, Provident Financial reported total debt of $186.31M.

How much cash does Provident Financial have on hand?

Provident Financial does not have cash on hand data available.

What is Provident Financial’s dividend yield?

Provident Financial currently has a dividend yield of 3.25%.

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