Stocks · Financial Services · Banks - Regional
Provident Financial Holdings, Inc. PROV
$18.31 +0.33% Close, Oct 2, 2026 · NASDAQ · Market cap $114.5M
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 18.0× trailing earnings, higher than 90% of the company's own readings over the past five years.
- Net debt is 8.5× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 204 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth20Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 25%
- EPS growth (TTM, YoY)Bottom 37%
- FCF growth (TTM, YoY)Bottom 41%
- Revenue growth, 3-year CAGRBottom 18%
- Revenue growth accelerationTop 37%
Quality32Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginTop 42%
- Operating marginBottom 37%
- Cash conversion (OCF / net income)Top 37%
- Accruals (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Bottom 15%
- Interest coverBottom 26%
Value35Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 45%
- Free-cash-flow yieldBottom 48%
- EBITDA / enterprise valueBottom 46%
- Sales / enterprise valueBottom 39%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum76Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 40%
- 6-month returnTop 33%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highTop 17%
- Trend checklist (0–4)Top 27%
Revisions6Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 14%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 14%
- Upside to consensus price targetBottom 9%
Stability66Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 20%
- Maximum drawdown, 3 yearsTop 26%
- Beta vs S&P 500 (lower is better)Top 29%
- Net debt / EBITDA (lower is better)Bottom 15%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -2.0% | -0.9% | ↑ |
| EPS growth (YoY) | -5.2% | 9.7% | ↑ |
| Gross margin | 65.9% | 68.1% | ↑ |
| Operating margin | 14.8% | 16.2% | ↑ |
| FCF margin | 13.6% | 14.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.9% | -2.0% | ↑ | Bottom 25% |
| EPS growth (TTM, YoY) | 9.7% | -5.2% | ↑ | Bottom 37% |
| Gross margin | 68.1% | 65.9% | ↑ | Top 42% |
| Operating margin | 16.2% | 14.8% | ↑ | Bottom 37% |
| Net margin | 11.2% | 10.4% | ↑ | — |
| Free-cash-flow margin | 14.7% | 13.6% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 6.0% | — | Bottom 18% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +2.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 8.53×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.14%
- Net buyback yield (TTM)
- 5.23%
- Shareholder yield
- 8.36%
- Share count change, 1 year
- -3.1%
- Share count change, 3-year CAGR
- -3.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 2, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -11.8%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $18.00
- Target vs current price
- -1.7%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 20%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +20.7% | +2.0% | +3.7% | +5.8% | — |
| Apr 28, 2026 | -27.6% | +0.8% | +0.5% | +1.1% | +1.2% |
| Jan 26, 2026 | -26.7% | -1.0% | -0.9% | -1.5% | +4.4% |
| Oct 28, 2025 | -13.8% | -0.1% | -1.1% | -4.0% | +3.8% |
| Jul 28, 2025 | -17.2% | -1.9% | -1.1% | -1.2% | +1.4% |
| Apr 28, 2025 | +16.7% | +1.8% | +4.7% | +2.1% | +7.2% |
| Jan 28, 2025 | -55.2% | +0.7% | -0.3% | -0.8% | -7.7% |
| Oct 28, 2024 | +12.0% | +0.1% | -0.3% | +1.4% | +1.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.35 | $0.29 | +20.7% | $10.6M |
| Apr 28, 2026 | $0.21 | $0.29 | -27.6% | $9.9M |
| Jan 26, 2026 | $0.22 | $0.30 | -26.7% | $9.8M |
| Oct 28, 2025 | $0.25 | $0.29 | -13.8% | $9.7M |
| Jul 28, 2025 | $0.24 | $0.29 | -17.2% | $9.8M |
| Apr 28, 2025 | $0.28 | $0.24 | +16.7% | $10.1M |
| Jan 28, 2025 | $0.13 | $0.29 | -55.2% | $9.6M |
| Oct 28, 2024 | $0.28 | $0.25 | +12.0% | $9.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 18.0× | 13.6× | 90th | Bottom 45% |
| P/E (forward) | 13.6× | — | — | — |
| EV / EBITDA | 17.6× | — | — | Bottom 46% |
| EV / Sales | 3.73× | — | — | Bottom 39% |
| Free-cash-flow yield | 7.67% | — | — | Bottom 48% |
| Earnings yield | 5.57% | — | — | Bottom 45% |
P/E over the past five years
Range 9.4× – 18.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.4%
- Earnings per share growth (TTM)
- +9.7%
- Change in P/E multiple
- +7.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 2
- Days above the 200-day average
- 204
- 50-day average slope (20 days)
- +3.0%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- +0.6%
- Distance from 200-day average
- +7.7%
- RSI (14)
- 48.9
- Relative volume
- 0.71×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 9.9%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.39
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -2.1%
- Maximum drawdown, 3 years
- -19.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 3, 2021 | Nov 7, 2023 | -40.6% | 612 days | 707 days (Sep 3, 2026) |
| Jan 22, 2021 | Feb 5, 2021 | -13.0% | 10 days | 80 days (Jun 2, 2021) |
| Oct 12, 2020 | Nov 4, 2020 | -11.4% | 17 days | 14 days (Nov 24, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $114.5M
- P/E (TTM)
- 18.0
- EPS, diluted (TTM)
- $1.02
- Revenue (TTM)
- $59.6M
- Dividend yield
- 3.06%
- 52-week range
- $14.95 – $18.99
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $39.4M | $50.1M | $58.7M | $60.2M | $59.6M |
| Gross profit | $38.8M | $40.7M | $38.9M | $39.7M | $40.6M |
| Operating income | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| Net income | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| EPS (diluted) | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.0M | $14.9M | $15.3M | $15.0M | $15.0M | $14.9M | $14.6M | $15.2M |
| Net income | $1.9M | $872,000 | $1.9M | $1.6M | $1.7M | $1.4M | $1.4M | $2.2M |
| EPS (diluted) | $0.28 | $0.13 | $0.28 | $0.24 | $0.25 | $0.22 | $0.21 | $0.34 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| Capital expenditure | -$165,000 | -$741,000 | -$1.6M | -$530,000 | -$432,000 |
| Free cash flow | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
| Dividends paid | -$4.1M | -$4.0M | -$3.9M | -$3.8M | -$3.6M |
| Net share buybacks | -$4.3M | -$4.6M | -$2.6M | -$4.4M | -$6.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $49.2M
- Total assets
- $1.21B
- Total liabilities
- $1.08B
- Total debt
- $157.0M
- Net debt
- $107.8M
- Shareholders’ equity
- $126.2M
As of Jun 30, 2026 (filed Sep 2, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 13, 2026 | $0.14 | Sep 3, 2026 |
| May 14, 2026 | $0.14 | Jun 4, 2026 |
| Feb 12, 2026 | $0.14 | Mar 5, 2026 |
| Nov 13, 2025 | $0.14 | Dec 4, 2025 |
| Aug 14, 2025 | $0.14 | Sep 4, 2025 |
| May 15, 2025 | $0.14 | Jun 5, 2025 |
| Feb 13, 2025 | $0.14 | Mar 6, 2025 |
| Nov 14, 2024 | $0.14 | Dec 5, 2024 |
Short interest
- Shares sold short
- 19,710
- Days to cover
- 1.00
- Change vs previous report
- -23.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 3, 2004
- 3-for-2
- Jul 15, 2002
- 3-for-2