Provident Financial Holdings Inc (PROV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Provident Financial Holdings Inc stock (PROV) is currently trading at $16.14. Provident Financial Holdings Inc PE ratio is 16.26. Provident Financial Holdings Inc PS ratio (Price-to-Sales) is 2.52. Analyst consensus price target for PROV is $16.00. WallStSmart rates PROV as Moderate Buy.
- PROV PE ratio analysis and historical PE chart
- PROV PS ratio (Price-to-Sales) history and trend
- PROV intrinsic value — DCF, Graham Number, EPV models
- PROV stock price prediction 2025 2026 2027 2028 2029 2030
- PROV fair value vs current price
- PROV insider transactions and insider buying
- Is PROV undervalued or overvalued?
- Provident Financial Holdings Inc financial analysis — revenue, earnings, cash flow
- PROV Piotroski F-Score and Altman Z-Score
- PROV analyst price target and Smart Rating
Provident Financial Holdings Inc
📊 No data available
Try selecting a different time range
PROV Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Provident Financial Holdings Inc (PROV)
PROV trades at a significant discount to its Graham intrinsic value of $46.33, offering a 65% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Provident Financial Holdings Inc (PROV) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
Provident Financial Holdings Inc (PROV) Key Strengths (5)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 70.20% year-over-year
Strong operational efficiency: $24 kept per $100 revenue
Strong profitability: $16 kept per $100 revenue
50.08% held by institutions, strong professional interest
Supporting Valuation Data
Provident Financial Holdings Inc (PROV) Areas to Watch (5)
Very expensive relative to growth, significant premium
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.52x sales
Solid revenue growth at 10.90% per year
Supporting Valuation Data
Provident Financial Holdings Inc (PROV) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Operating Margin. Valuation metrics including Price/Book (0.80) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 24.40%, Profit Margin at 16.20%. Growth metrics are encouraging with EPS Growth at 70.20%.
The Bear Case
The primary concerns are PEG Ratio, Market Cap, Return on Equity. Some valuation metrics including PEG Ratio (4.00), Price/Sales (2.52) suggest expensive pricing. Growth concerns include Revenue Growth at 10.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 5.15%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 5.15% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, EPS Growth) and negatives (PEG Ratio, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PROV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PROV's Price-to-Sales ratio of 2.52x sits near its historical average of 2.51x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 2.53x set in Mar 2026, and 1% above its historical low of 2.5x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Provident Financial Holdings Inc (PROV) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Provident Financial Holdings Inc is a mature, profitable business with steady cash generation. Revenue reached 41M with 11% growth year-over-year. Profit margins of 16.2% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 515.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 1M in free cash flow and 1M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Provident Financial Holdings Inc.
Bottom Line
Provident Financial Holdings Inc is a well-established business delivering consistent profitability with 16.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Provident Financial Holdings Inc(PROV)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Provident Financial Holdings, Inc. is the parent company of Provident Savings Bank, FSB providing community banking services to consumers and small and medium-sized businesses in the Inland Empire region of Southern California. The company is headquartered in Riverside, California.