Stocktoria
PROVIDENT FINANCIAL HOLDINGS INC PROV
PROVIDENT FINANCIAL HOLDINGS INC (PROV) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.50% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PROV | PROVIDENT FINANCIAL HOLDINGS INC | 4/9 | — | 17.2 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About PROVIDENT FINANCIAL HOLDINGS INC
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 merchant 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. 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.
FAQ
Is PROV financially healthy?
PROVIDENT FINANCIAL HOLDINGS INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does PROV pay a dividend, and is it safe?
Yes. PROVIDENT FINANCIAL HOLDINGS INC pays a dividend yielding about 3.50% with a 60.2% payout ratio, rated “stretched” for safety.
How profitable is PROV?
In FY2025, PROVIDENT FINANCIAL HOLDINGS INC had a return on equity of 4.9%.
Is PROV overvalued or undervalued?
PROVIDENT FINANCIAL HOLDINGS INC trades at about 19.4× trailing earnings — above its 10-year norm (10-year range 12.0×–66.2×, median 16.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PROV?
The average Wall-Street price target for PROVIDENT FINANCIAL HOLDINGS INC is $16.75, about 7.0% below the recent price, from 2 analysts (consensus: hold).
Is PROV a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PROVIDENT FINANCIAL HOLDINGS INC: a Piotroski F-score of 4/9, a P/E of about 17.2×, a dividend yield of 3.50%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.