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PROV · Provident Financial Holdings Inc

$17.21 +0.00 (+0.00%) At close · Jul 23
Market Cap
$107.69M
Shares
6.25M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$17.21 Open$17.20 Day$17.10–17.35 52W$14.59–17.42 Avg vol 30d5K Short int34K · 0.5% float · 7.8d Short vol18% Last earningsJul 29, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 7

Up next

Next earnings call
Jul 29, 2026 Scheduled · in 1 wks
FQ1-27 quarter ends
~Sep 30, 2026 Est
filed May 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Bearish Fundamentals Fair Quant / Vol Very Low
      Market backdrop VIX 18.6 · elevated Equity put/call 0.79
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +5%
      above
      Price vs 50-day avg +1%
      above
      RSI (14) 54
      neutral
      MACD trend Negative
      52-week position 93%
      near high
      Momentum
      relative strength
      Strong
      1-month return +1%
      trailing
      6-month return +7%
      trailing
      YTD return +9%
      this year
      Relative strength +1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $17 › 200d $16 — 50d above 200d
      Institutional flow Flat
      1 of 31 funds reported for Jun 30 · net 0 sh shares
      Insider flow Distributing
      Net -$131.8K over 90 days · 100% sells
      Short interest Rising
      0.54% of float · ▲ +6.0% MoM · 7.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      31 holders — mid 3-yr range
      Squeeze score 57
      elevated · 0–100
      Fundamentals
      Fair
      EPS growth −12%
      Y/Y
      Free cash flow $8.2M
      Valuation P/E 18.7
      rich
      Balance sheet $53.1M
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 13%
      annualized · 1-yr
      Max drawdown −5%
      past year
      ATR 1.2%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Dec 31, 2025
      March 2026 quarter
      Loan origination volume Initiated $28M – $42M
      remainder of fiscal 2026
      Operating expenses Lowered $7.6M – $7.7M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +5% Bullish
      Price vs 50-day avg
      +1% Bullish
      RSI (14)
      54 Neutral
      MACD trend
      Negative Bearish
      52-week position
      93% Bullish
      Market signals — smart money & positioning
      Bearish · 2 of 6
      Trend (MA cross) No cross
      50d $17 › 200d $16 — 50d above 200d
      Institutional flow Flat
      1 of 31 funds reported for Jun 30 · net 0 sh shares
      Insider flow Distributing
      Net -$131.8K over 90 days · 100% sells
      Short interest Rising
      0.54% of float · ▲ +6.0% MoM · 7.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      31 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $15 Now $17 · 93% 52-wk high $17
      vs 200-day avg +5% vs 50-day avg +1%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Loans Held for Investment 1.03B March 31, 2026
      Non-Performing Assets to Total Assets Ratio 0.08% March 31, 2026
      Total Deposits 892.9M March 31, 2026
      Brokered certificates of deposit $129.2M December 31, 2025
      Return on average assets 0.47% second quarter of fiscal 2026
      Time deposits $313.7M December 31, 2025
      Total loans originated for investment $42.1M second quarter of fiscal 2026

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      PROV
      Provident Financial Holdings Inc
      this stock
      $107.69M +9.1% 18.7 0.5%
      MFG
      Mizuho Financial Group Inc
      $128.77B +44.4% 0.1%
      HDB
      Hdfc Bank Ltd
      $119.29B -36.4% +15.2% 0.4%
      IBN
      Icici Bank Ltd
      $105.84B -1.9% 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      $100.79B +20.3% +7.2% 14.6 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders
      Holders
      31
      % held
      51.2%
      Reported
      1 of 31
      Top holder
      DIMENSIONAL FUND ADVISORS…
      Held Float
      View
      Held by Funds
      Fund positions
      44
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      33.9K
      Days to cover
      7.8d
      Change
      +1.9K sh
      View
      Short Volume
      Short vol %
      18%
      As of
      Jul 24, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      152
      Value
      $2.6K
      As of
      May 29, 2026
      View
      Off-Exchange
      Off-exchange %
      53.0%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$131.8K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $6.3M
      EPS diluted
      $0.93
      View
      Buybacks
      Authorized
      shares 318.9K
      Remaining
      shares 264.6K
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 24, 2026
      This year
      11
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Jul 29, 2026
      Last call
      Apr 28, 2026
      View
      Investor Relations
      Latest news
      Provident Financial Holdings Anno…
      Published
      Jul 23, 2026
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      PROV +0.1% +0.5% +7.2% +0.1% +9.1%
      SPY -1.7% +0.7% +6.4% -1.2% +8.3%
      vs SPY +1.7% -0.1% +0.8% +1.2% +0.9%

      Capital returns

      Latest dividend
      $0.14 / share · ex May 14, 2026
      Paid (TTM)
      $0.56 / share · 4 payouts
      Dividend yield (TTM, derived)
      3.25%
      Buyback program · as of Mar 31, 2026
      Authorized
      shares 318,875
      Spent (derived)
      shares 54,296
      Remaining
      shares 264,579
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1010470 CUSIP 743868101 13F (30d) 2 filings 2 filers Visit website Investor relations