Provident Financial Holdings, Inc.
General ticker "PROV" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $103.6M (TTM average)
Provident Financial Holdings, Inc. follows the US Stock Market performance with the rate: 40.6%.
Estimated limits based on current volatility of 1.5%: low 15.15$, high 15.63$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-13, amount 0.14$ (Y3.66%)
- Total employees count: 160 (-0.6%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Operational and conduct risks, Liquidity and credit risks, Market interest rate changes, Reputation and brand risks, Climate change and natural disasters
- Price in estimated range
- Earnings for 3 months up through Q1 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-06-30 to 2027-06-30
- 2025-06-30 to 2026-06-30 estimated range: [13.61$, 17.98$]
- 2026-06-30 to 2027-06-30 estimated range: [13.91$, 18.54$]
Financial Metrics affecting the PROV estimates:
- Positive: with PPE of 16.7 at the end of fiscal year the price was very low
- Positive: 7.86 < Operating profit margin, % of 14.75
- Negative: Shareholder equity ratio, % of 10.32 <= 18.93
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.33
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: 6.82 < Operating cash flow per share per price, % of 8.33
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.50
Short-term PROV quotes
Long-term PROV plot with estimates
Financial data
| YTD | 2023-06-30 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Operating Revenue | $50.07MM | $58.67MM | $60.16MM |
| Operating Expenses | $37.65MM | $48.28MM | $51.28MM |
| Operating Income | $12.42MM | $10.39MM | $8.87MM |
| Interest Expense | $9.01MM | $19.81MM | $21.16MM |
| Income(Loss) | $12.42MM | $10.39MM | $8.87MM |
| Taxes | $3.82MM | $3.04MM | $2.62MM |
| Profit(Loss)* | $8.59MM | $7.35MM | $6.25MM |
| Stockholders Equity | $129.69MM | $129.94MM | $128.54MM |
| Assets | $1,332.95MM | $1,272.20MM | $1,245.61MM |
| Operating Cash Flow | $16.32MM | $5.68MM | $8.69MM |
| Capital expenditure | $0.74MM | $1.59MM | $0.53MM |
| Investing Cash Flow | $-109.90MM | $45.06MM | $26.46MM |
| Financing Cash Flow | $136.01MM | $-65.22MM | $-33.43MM |
| Earnings Per Share** | $1.20 | $1.06 | $0.93 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.