PROV
NEUTRALAt a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Ref P/E, PEG, Graham Number
- P/B 0.86
- Price below Graham Number ($21.04)
- Price below Intrinsic Value ($29.2)
- P/E of 17.21 is moderate for a regional bank
Ref Growth rates
- High YoY earnings growth (70.20%)
- 0/4 earnings beats in last year
- Slowing Q/Q revenue growth (2.47%)
Ref Historical trends
- Positive 1Y, 3Y, and 5Y price returns
- Average earnings surprise of -18.75% over last 4 quarters
Ref Altman Z-Score, Piotroski F-Score
- Piotroski F-Score of 4/9 indicates stability
- Very low ROE (5.15%) and ROA (0.53%)
Ref Yield, Payout
- 3.27% yield
- Manageable payout ratio (56.57%)
- Dividend strength score is only 50/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PROV and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PROV
Provident Financial Holdings, Inc.
Primary
|
+22.6% | +42.0% | +23.0% | +10.5% | +7.0% | -0.5% |
|
MRCC
Monroe Capital Corporation
Peer
|
-15.6% | -7.0% | -20.3% | -24.5% | +11.4% | +4.5% |
|
BSBK
Bogota Financial Corp.
Peer
|
-12.5% | -12.1% | +23.3% | -5.8% | +5.1% | +4.4% |
|
HSDT
Solana Company
Peer
|
-100.0% | -100.0% | -99.2% | -87.1% | -13.7% | +1.6% |
|
DFDV
DeFi Development Corp.
Peer
|
-20.5% | -20.5% | -35.6% | -77.2% | -10.6% | +5.5% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Quarterly Earnings History
EPS performance vs analyst estimates
Financial Services Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PROV
Provident Financial Holdings, Inc.
|
NEUTRAL | $108.63M | 17.21 | 5.2% | 16.2% | $17.04 | |
|
MRCC
Monroe Capital Corporation
|
BEARISH | $110.07M | - | -2.9% | -13.5% | $5.08 | Compare |
|
BSBK
Bogota Financial Corp.
|
NEUTRAL | $112.05M | 50.82 | 1.5% | 12.0% | $8.64 | Compare |
|
HSDT
Solana Company
|
BEARISH | $104.01M | - | -27.1% | -% | $1.89 | Compare |
|
DFDV
DeFi Development Corp.
|
NEUTRAL | $102.36M | - | -143.6% | -% | $3.47 | Compare |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-12 | WERTZ GWENDOLYN L | Officer | Sale | 4,800 | $75,072 |
SEC Filings
Recent regulatory filings from the SEC EDGAR database
As of December 31, 2025, Provident Financial Holdings reported net loans held for investment of $1.038 billion and cash and cash equivalents of $54.37 million. The company's allowance for credit losses decreased to $5.6 million from $6.4 million as of June 30, 2025. Financial risk is indicated by significant asset pledges to the Federal Home Loan Bank and Federal Reserve Bank of San Francisco, totaling approximately $952 million.
As of September 30, 2025, Provident Financial Holdings reported loans held for investment of $1.04 billion and cash and cash equivalents of $49.4 million, with the allowance for credit losses decreasing slightly to $5.8 million. A primary financial risk is the high level of encumbrance on its assets, with approximately $954 million in loans pledged to the Federal Home Loan Bank and Federal Reserve Bank of San Francisco.
Wall Street Analysts
Professional analyst ratings and price targets
Past News Coverage
Recent headlines mentioning PROV from our newsroom.