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Provident Financial Holdings

PROV

Provident Financial Holdings is a community-oriented financial services company that operates primarily through its wholly owned subsidiary, Provident Savings Bank.

Market cap
$110.06M+9.5%
Revenue$40.1M+2.7%
Net income$6.7M+6.4%
EPS (diluted)$1.03+9.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$9.9M
EPS estimate$0.28

Financials

Q4 2026

Income statement

See full
Revenue$10.6M+8.5%
Net income$2.2M+34.3%
EPS (diluted)$0.35+40.0%

Balance sheet

See full
Cash & equivalents$49.2M-7.3%
Total debt$157.0M-58.4%
Total equity$126.2M-1.8%
Total assets$1.2B-3.0%

Valuation & ratios

Valuation

See full
Market cap$107.94M+9.5%
Enterprise value$215.77M-48.7%
P/E16.2×+0.5×
P/S2.7×+0.2×

Profitability

See full
Net margin16.6%+0.6pp

Returns & leverage

See full
Return on equity5.2%+0.4pp
Debt / equity1.2×-1.7×

Competitors

Profile

Provident Financial Holdings is a community-oriented financial services company that operates primarily through its wholly owned subsidiary, Provident Savings Bank. The company provides a range of banking services, including deposit accounts and real estate-related lending, to consumers and small to mid-sized businesses. Its core value proposition centers on serving the Inland Empire region of Southern California through community banking, investment services, and trustee activities.

Competitive position

The largest independent community bank headquartered in Riverside County, holding a significant deposit market share in its primary region.

GeographiesUnited States, California, Inland Empire
Customer segmentsRetail, Commercial, SME
Business modelInterest Spread, Fee-based services
SuppliersDepositors, Federal Home Loan Bank of San Francisco, Federal Reserve, Technology and core banking software providers
CustomersHomeowners, Real estate developers, Small and medium enterprises, Secondary mortgage market entities
Listed1996
Employees161.0
CEODonavon Ternes
FilingsSEC EDGAR

Questions, answered.

What is Provident Financial Holdings's market cap?
Provident Financial Holdings (PROV) has a market capitalization of $110.1M and trades on NASDAQ.
What is Provident Financial Holdings's revenue and profitability?
Provident Financial Holdings generated $40.1M in trailing twelve-month revenue with net income of $6.7M, representing a net margin of 16.6%. These figures are based on the Q2 2026 filing.
Who are Provident Financial Holdings's competitors?
Provident Financial Holdings's key competitors include JPMorgan Chase & Co., Wells Fargo & Company, Bank of America Corporation, and others. These companies compete in similar markets and product categories.
Who does Provident Financial Holdings partner with?
Provident Financial Holdings's notable partners include Fannie Mae, Freddie Mac, Federal Home Loan Bank of San Francisco.
What subsidiaries does Provident Financial Holdings have?
Provident Financial Holdings's subsidiaries include Provident Savings Bank, F.S.B., Provident Financial Corp.
Where is Provident Financial Holdings headquartered?
Provident Financial Holdings is headquartered in United States of America and employs approximately 161 people. It has been publicly traded since 1996.