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Provident Financial Holdings, Inc. (PROV)

Financial Services | Banks - Regional | Riverside, United States | NasdaqGS
18.18 USD +0.07 (0.387%) ⇧ (Oct. 16, 2026, 11:13 a.m. EDT)

Short-term:★★★☆☆Long-term:★★★☆☆Dividends:★★★☆☆
Hot Take ↕ | Oct. 10, 2026, 6:47 a.m. EDT

The immediate outlook is cautiously constructive, driven by a technical rebound off the 200-day moving average and a modest upward bias in the short-term forecast model. However, the underlying business shows signs of stagnation rather than explosive growth, with revenue expanding at a sluggish 10% and earnings growth barely holding at 41%. The balance sheet presents a mixed picture; while the company trades at a discount to book value, the return on equity is a meager 5.2%, suggesting capital efficiency is lacking compared to peers. On the income side, the dividend offers a 3% yield, which is attractive but appears to be a static payout rather than a growing one, as the last five years of data show no increase in the per-share amount. This creates a classic value trap scenario where the low valuation and decent yield mask a lack of operational momentum and capital appreciation potential.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.037110
AutoARIMA0.037168
MSTL0.038722
AutoETS0.040131

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 58%
H-stat 5.09
Ljung-Box p 0.000
Jarque-Bera p 0.228
Excess Kurtosis -1.26
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-12
Last Dividend Date 2026-08-12
Revenue per Share 6.329
Market Cap 112,674,680
Trailing P/E 17.65
Forward P/E 14.31
Beta 0.31
Profit Margins 16.39%
Website https://www.myprovident.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.78% 3.36% 3.77% 3.80%
Dividend History
Date Dividend Yield %
2026-08-13 0.140000 0.777346
2026-05-14 0.140000 0.823529
2026-02-12 0.140000 0.861009
2025-11-13 0.140000 0.898012
2025-08-14 0.140000 0.899743
2025-05-15 0.140000 0.900901
2025-02-13 0.140000 0.887199
2024-11-14 0.140000 0.883281
2024-08-15 0.140000 1.058201
2024-05-15 0.140000 1.120000
2024-02-14 0.140000 0.960219
2023-11-15 0.140000 1.225919
2023-08-16 0.140000 1.001431
2023-05-17 0.140000 1.173512
2023-02-13 0.140000 0.979021
2022-11-16 0.140000 0.974252
2022-08-17 0.140000 0.970874
2022-05-18 0.140000 0.942761
2022-02-14 0.140000 0.832342
2021-11-17 0.140000 0.835821
2021-08-11 0.140000 0.809249
2021-05-17 0.140000 0.825472
2021-02-17 0.140000 0.880503
2020-11-18 0.140000 1.025641
2020-08-19 0.140000 1.132686
2020-05-20 0.140000 1.118211
2020-02-14 0.140000 0.632911
2019-11-19 0.140000 0.641907
2019-08-19 0.140000 0.667620
2019-05-20 0.140000 0.679612
2019-02-15 0.140000 0.714286
2018-11-14 0.140000 0.801833
2018-08-20 0.140000 0.769231
2018-05-16 0.140000 0.768808
2018-02-16 0.140000 0.770925
2017-11-13 0.140000 0.736842
2017-08-17 0.140000 0.739176
2017-05-17 0.130000 0.689289
2017-02-13 0.130000 0.690755
2016-11-10 0.130000 0.660905
2016-08-11 0.130000 0.675325
2016-05-13 0.120000 0.663717
2016-02-11 0.120000 0.714286
2015-11-09 0.120000 0.679887
2015-08-07 0.120000 0.737101
2015-05-15 0.120000 0.725076
2015-02-13 0.110000 0.694006
2014-11-18 0.110000 0.732357
2014-08-08 0.110000 0.743243
2014-05-16 0.100000 0.694444
2014-02-14 0.100000 0.660502
2013-11-19 0.100000 0.700771
2013-08-19 0.100000 0.555247
2013-05-20 0.070000 0.449006
2013-02-11 0.070000 0.400000
2012-11-19 0.050000 0.329815
2012-08-13 0.050000 0.391236
2012-05-09 0.040000 0.367647
2012-02-13 0.040000 0.407747
2011-11-16 0.030000 0.329670
2011-08-17 0.030000 0.360144
2011-05-25 0.010000 0.127714
2011-02-23 0.010000 0.122699
2010-11-23 0.010000 0.153846
2010-08-25 0.010000 0.190476
2010-05-20 0.010000 0.153846
2010-02-23 0.010000 0.319489
2009-11-18 0.010000 0.217865
2009-08-13 0.010000 0.142857
2009-05-19 0.030000 0.417246
2009-02-06 0.030000 0.729927
2008-11-19 0.050000 0.892857
2008-08-21 0.050000 0.769231
2008-05-15 0.100000 0.781861
2008-02-21 0.180000 1.039861
2007-11-15 0.180000 0.923077
2007-08-16 0.180000 0.997230
2007-05-17 0.180000 0.758853
2007-02-14 0.180000 0.649819
2006-11-15 0.180000 0.591327
2006-08-15 0.150000 0.501169
2006-05-11 0.150000 0.524843
2006-02-15 0.150000 0.511771
2005-11-18 0.140000 0.540123
2005-08-15 0.140000 0.503054
2005-05-18 0.140000 0.501253
2005-02-16 0.140000 0.498575
2004-11-19 0.140000 0.480934
2004-08-13 0.100000 0.434594
2004-05-18 0.100000 0.401929
2004-01-15 0.066667 0.289857
2003-10-31 0.066667 0.314863
2003-08-18 0.066667 0.327871
2003-05-12 0.033333 0.159845
2003-02-07 0.033333 0.179854
2002-11-13 0.033333 0.188322
2002-08-05 0.033333 0.220262
Additional Data
dividendRate 0.56
dividendYield 3.09
exDividendDate 2026-08-13
trailingAnnualDividendRate 0.56
trailingAnnualDividendYield 0.03092214
lastDividendValue 0.14
lastDividendDate 2026-08-13
dividendDate 2026-09-03

Info Dump

Attribute Value
52 Week Change 0.15423834
Address1 3,756 Central Avenue
All Time High 33.15
All Time Low 2.43
Ask 23.42
Ask Size 2
Average Daily Volume10 Day 16,380
Average Daily Volume3 Month 14,118
Average Volume 14,118
Average Volume10Days 16,380
Beta 0.314
Bid 13.04
Bid Size 2
Book Value 20.15
City Riverside
Compensation As Of Epoch Date 1,798,675,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 18.18
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 18.26
Day Low 18.18
Display Name Provident Financial
Dividend Date 1,788,393,600
Dividend Rate 0.56
Dividend Yield 3.09
Earnings Call Timestamp End 1,785,340,800
Earnings Call Timestamp Start 1,785,340,800
Earnings Growth 0.416
Earnings Quarterly Growth 0.343
Earnings Timestamp 1,785,241,800
Earnings Timestamp End 1,793,104,200
Earnings Timestamp Start 1,793,104,200
Ebitda Margins 0.0
Enterprise To Revenue 5.488
Enterprise Value 222,835,984
Eps Current Year 1.22
Eps Forward 1.27
Eps Trailing Twelve Months 1.03
Esg Populated 0
Ex Dividend Date 1,786,579,200
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 18.295
Fifty Day Average Change -0.11499977
Fifty Day Average Change Percent -0.006285858
Fifty Two Week Change Percent 15.423834
Fifty Two Week High 18.99
Fifty Two Week High Change -0.80999947
Fifty Two Week High Change Percent -0.042654
Fifty Two Week Low 14.95
Fifty Two Week Low Change 3.2300005
Fifty Two Week Low Change Percent 0.21605355
Fifty Two Week Range 14.95 - 18.99
Financial Currency USD
First Trade Date Milliseconds 835,968,600,000
Five Year Avg Dividend Yield 3.76
Float Shares 4,222,883
Forward Eps 1.27
Forward P E 14.314961
Full Exchange Name NasdaqGS
Full Time Employees 95
Fullday Change 0.069999695
Fullday Change Percent 0.3865251
Fullday Price 18.18
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 40,607,000
Has Pre Post Market Data 1
Held Percent Insiders 0.20634001
Held Percent Institutions 0.51545
Implied Shares Outstanding 6,197,727
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.snl.com/irweblinkx/corporateprofile.aspx?iid=102638
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,786,579,200
Last Dividend Value 0.14
Last Fiscal Year End 1,782,777,600
Last Split Date 1,075,766,400
Last Split Factor 3:2
Long Business Summary 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 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. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions, as well as retirement planning, online and mobile banking, credit card, cash management, and merchant services. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
Long Name Provident Financial Holdings, Inc.
Market us_market
Market Cap 112,674,680
Market State REGULAR
Max Age 86,400
Message Board Id finmb_365183
Most Recent Quarter 1,782,777,600
Net Income To Common 6,655,000
Next Fiscal Year End 1,814,313,600
Non Diluted Market Cap 115,733,430
Number Of Analyst Opinions 2
Open 18.2
Operating Cashflow 8,970,000
Operating Margins 0.2902
Payout Ratio 0.5437
Peg Ratio 4.0
Phone 951 686 6060
Previous Close 18.11
Price Eps Current Year 14.901639
Price Hint 2
Price To Book 0.9022333
Price To Sales Trailing12 Months 2.77476
Profit Margins 0.16389
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.069999695
Regular Market Change Percent 0.3865251
Regular Market Day High 18.26
Regular Market Day Low 18.18
Regular Market Day Range 18.18 - 18.26
Regular Market Open 18.2
Regular Market Previous Close 18.11
Regular Market Price 18.18
Regular Market Time 1,792,163,620
Regular Market Volume 2,628
Return On Assets 0.00542
Return On Equity 0.05224
Revenue Growth 0.103
Revenue Per Share 6.329
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 6,197,727
Shares Percent Shares Out 0.0033000002
Shares Short 20,165
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 25,601
Short Name Provident Financial Holdings, I
Short Percent Of Float 0.0036000002
Short Ratio 1.14
Source Interval 15
State CA
Symbol PROV
Target High Price 19.0
Target Low Price 18.0
Target Mean Price 18.5
Target Median Price 18.5
Total Cash 49,210,000
Total Cash Per Share 7.894
Total Debt 159,148,992
Total Revenue 40,607,000
Tradeable 0
Trailing Annual Dividend Rate 0.56
Trailing Annual Dividend Yield 0.03092214
Trailing Eps 1.03
Trailing P E 17.650486
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 17.09285
Two Hundred Day Average Change 1.0871506
Two Hundred Day Average Change Percent 0.06360265
Type Disp Equity
Volume 2,628
Website https://www.myprovident.com
Zip 92,506