PROV
Provident Financial Holdings, Inc.
PROV's fundamentals are mixed, but it looks expensive: trading at 18x earnings, above its usual 15x. Analysts expect earnings growth.
PROV Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PROV's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PROV.
PROV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $11.99 | -34% |
| Forward | 13x | $18.24 | — |
| Fair | 15x | $15.03 | -18% |
| Expensive | 18x | $18.75 | +2.8% |
| Current | 18x | $18.24 | — |
Historical ranges are pointers, not guarantees.
PROV's PE is in its expensive range at 18x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its fair range.
PROV Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect PROV's earnings to grow and its profitability to improve, with its revenue holding steady.
PROV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.35 | +32% |
| Q3 2026 | $1.03 | +14% |
| Q2 2026 | $1.03 | +11% |
| Q1 2026 | $0.92 | -5.2% |
| Q4 2025 | $0.99 | +8.8% |
| Q3 2025 | $0.90 | -17% |
| Q2 2025 | $0.93 | -12% |
| Q1 2025 | $0.97 | -4.9% |
| Q4 2024 | $0.91 | -19% |
PROV earned $1.03 per share over the past year, up 14% from the year before.
PROV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +8.5% |
| Q2 2026 | $10.6M | +8.5% |
| Q1 2026 | $9.9M | -2.4% |
| Q4 2025 | $9.8M | +2.5% |
| Q3 2025 | $9.7M | +2.4% |
| Q2 2025 | $9.8M | -1.6% |
| Q1 2025 | $10.1M | +7.6% |
| Q4 2024 | $9.6M | -0.5% |
PROV's revenue has picked up after three years of holding roughly level: $11M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -7.5 points |
| Q2 2026 | 28% | +4.1 points |
| Q1 2026 | 19% | -6.9 points |
| Q4 2025 | 21% | +8.1 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 24% | -4.2 points |
| Q1 2025 | 26% | +3.8 points |
| Q4 2024 | 13% | -19 points |
PROV's operating margin was 21% last quarter, down 7.5 points from the same quarter a year ago.
PROV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3M | +74% |
| Q2 2026 | $3.3M | +53% |
| Q1 2026 | $1.7M | -47% |
| Q4 2025 | $1M | +236% |
| Q3 2025 | $2.5M | +2.7% |
| Q2 2025 | $2.2M | +$3M |
| Q1 2025 | $3.3M | +27% |
| Q4 2024 | $307K | +$749K |
PROV's free cash flow was $10M over the past year, up 26% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PROV.
PROV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.9% | -189K shares |
| 1 year | -5% | -332K shares |
| 3 years | -10% | -733K shares |
| 5 years | -17% | -1.3M shares |
| Available history | -18% | -1.4M shares |
PROV has 6M diluted shares, down 5% from a year ago, with $7M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $1.9M |
| Q1 2026 | $1.5M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $1.2M |
| Q1 2025 | $801,000 |
| Q4 2024 | $1M |
PROV spent $7M buying back its own shares over the past year, up 64% from the year before.
PROV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.1x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -4.4x | Net Cash |
| Q4 2025 | -4.1x | Net Cash |
| Q3 2025 | -4.0x | Net Cash |
| Q2 2025 | -4.3x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.7x | Net Cash |
PROV has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PROV.
PROV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 45.7 | Neutral |
PROV's weekly RSI is 64 (neutral) and its Stochastic is 46 (neutral).
PROV PE vs Financial Services Sector
| Metric | PROV | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 36% above |
| PE % | 79 | 63 | 16 pts above |
PROV is trading at 18x earnings, a 36% premium to the Financial Services sector's median of 13x.
PROV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.2 | 0% above |
| 20 week MA | $18.0 | 1.1% above |
| 50 week MA | $17.1 | 6.7% above |
| 100 week MA | $16.2 | 12% above |
| 200 week MA | $14.9 | 23% above |
PROV's trend is up, with a small recent dip: it's below only its 8-week average, and 23% above its 200-week average.
PROV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.0 | $15.8 | -28% |
| 2021 | $15.8 | $16.7 | +5.7% |
| 2022 | $16.7 | $13.8 | -17% |
| 2023 | $13.8 | $12.6 | -8.4% |
| 2024 | $12.6 | $15.9 | +26% |
| 2025 | $15.9 | $16.1 | +1.1% |
| 2026 YTD | $16.1 | $18.2 | +13% |
PROV has finished lower in three of the last six years. It's up 13% so far in 2026.