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Company Analysis

Provident Financial Holdings, I PROV

A comprehensive view of key metrics, scores, and financial health for Provident Financial Holdings, I

Overview of Provident Financial Holdings, Inc.

PROV NMS
Financial Services Banks - Regional Micro Cap
Provident Financial Holdings, Inc. (PROV), is a Micro Cap company, in the Banks - Regional industry, last closed at $16.05, about 25.9% undervalued vs fair value, +13.3% 1Y return, ranked 409/1004 in sector.
$16.05
0.25%
As of March 13, 2026
Previous close • Vol 90d: 14.1%
52-Week Range
Market Cap
$103.10M
Enterprise Value
$261.79M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.myprovident.com
HQ Riverside, CA
Employees 95
Fiscal year Jun 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $16.05 +26% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$56.6M
3.5%%
Interest Expense
$21.2M
Net Interest Income
$35.5M
1.6%%
Total Revenue
$39.0M
0.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.2M
131.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Provident Financial Holdings, I's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PROV's balance between Growth (15.8%), Profitability (54.5%), and Safety (29.7%). Growth 16% Safety 30% Profitability 55%

Click axes to expand details. Marker shows current allocation.

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Growth

10th percentile vs peers
11
Key Signals
Rev Growth YoY 0.4% 10p Asset Growth YoY -2.1% 12p Revenue CAGR 3Y 2.4% 10p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 10)
  • Rev Growth Yoy in bottom 20% of peers (0.4%)
  • Asset Growth Yoy in bottom 20% of peers (-2.1%)

Profitability

37th percentile vs peers
38
Key Signals
Strengths
Risks
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Safety

20th percentile vs peers
21
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Provident Financial Holdings, I.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.21
- - -
+25.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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