Skip to content
Screener
Provident Financial Holdings, Inc. logo

Provident Financial Holdings, Inc.

PROV

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., a community-oriented financial institution serving consumers and small to mid-sized businesses.

Market cap
$116.08M+13.4%
Revenue$40.1M+2.7%
Net income$6.7M+6.4%
Free cash flow$8.5M+4.7%
EPS (diluted)$1.03+9.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in a month)
Revenue estimate$10.3M
EPS estimate$0.32

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$159.2M-57.9%
Total equity$126.2M-1.8%
Total assets$1.2B-3.0%

Cash flow

See full
Operating cash flow$3.4M+35.7%
CapEx$56.0K-82.1%
Free cash flow$3.3M+52.7%

Valuation & ratios

Valuation

See full
Market cap$116.08M+13.4%
Enterprise value$226.06M-47.1%
P/E17.4×+1.1×
P/S2.9×+0.3×

Profitability

See full
Net margin16.6%+0.6pp
FCF margin21.3%+0.4pp

Returns & leverage

See full
Return on equity5.2%+0.4pp
Debt / equity1.3×-1.7×

Segments

By product

See full
Debit Card$335.0K-5.4%
Deposit Account$258.0K+0.8%

Competitors

Profile

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., a community-oriented financial institution serving consumers and small to mid-sized businesses. The company focuses on the Inland Empire region of Southern California, providing traditional banking services including deposit accounts and real estate-based lending. Its core value proposition centers on local market expertise and maintaining a significant deposit market share among independent community banks in its primary service area.

Competitive position

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

GeographiesUnited States, California, Inland Empire
Customer segmentsRetail, Commercial, SME
Business modelTraditional Banking, Interest Spread, Asset Management
SuppliersFederal Home Loan Bank of San Francisco, Depositors, Credit Rating Agencies, Financial Technology Providers
CustomersHomeowners, Real Estate Investors, Small Business Owners, Commercial Property Developers
Listed1996
Employees161.0
CEODonavon Ternes
FilingsSEC EDGAR

FAQ

What is Provident Financial Holdings, Inc.'s market cap?
Provident Financial Holdings, Inc. (PROV) has a market capitalization of $116.1M and trades on NASDAQ.
What is Provident Financial Holdings, Inc.'s revenue and profitability?
Provident Financial Holdings, Inc. generated $40.1M in trailing twelve-month revenue with net income of $6.7M, representing a net margin of 16.6%, with free cash flow of $8.5M. The latest reported period is Q4 2026.
Who are Provident Financial Holdings, Inc.'s competitors?
Provident Financial Holdings, Inc.'s key competitors include JPMorgan Chase & Co., Bank of America Corp., Wells Fargo & Co., and others. These companies compete in similar markets and product categories.
Who does Provident Financial Holdings, Inc. partner with?
Provident Financial Holdings, Inc.'s notable partners include Fannie Mae, Freddie Mac, Federal Home Loan Bank of San Francisco.
What subsidiaries does Provident Financial Holdings, Inc. have?
Provident Financial Holdings, Inc.'s subsidiaries include Provident Savings Bank, F.S.B., Provident Financial Corp, Provident Savings Bank Charitable Foundation.
Where is Provident Financial Holdings, Inc. headquartered?
Provident Financial Holdings, Inc. is headquartered in United States of America and employs approximately 161 people. It has been publicly traded since 1996.