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PROVIDENT FINANCIAL HOLDINGS INC PROV

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 1996-06-28

PROVIDENT FINANCIAL HOLDINGS INC statistics & valuation

Market cap$107.6M
P / E17.2×
P / B0.8×
P / FCF13.2×
Dividend yield3.50%
Return on equity4.9%
Graham number +10.7%$19.95

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.95); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.60% 4.10% 1.80% 3.70% 6.20% 5.90% 7.10% 6.60% 5.70% 4.90% 2016201720182019202020212022202320242025
Shares outstanding
8.54B 8.10B 7.7M 7.6M 7.6M 7.5M 7.4M 7.2M 7.0M 6.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.40% 0.20% 0.40% 0.70% 0.60% 0.80% 0.60% 0.60% 0.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.88 $0.64 $0.28 $0.58 $1.01 $1.00 $1.22 $1.19 $1.06 $0.93 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PROVIDENT FINANCIAL HOLDINGS INC trades at about 19.4× earnings — above its 10-year norm (10-year range 12×–66.2×, median 16.9×).

12× 66.2×

Shaded band = 10-year range (12×–66.2×); dot = today's 19.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.5%0.6%0.6%0.8%0.6%0.7%0.4%0.2%0.4%0.6%
Return on equity4.9%5.7%6.6%7.1%5.9%6.2%3.7%1.8%4.1%5.6%

Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.