PROV · Provident Financial Holdings Inc
Market Cap
$114.83M
Shares
6.23M
Volume · Oct 5
11.86K
Avg daily vol (3M)
12.41K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$18.23
Open$18.40
Day$18.21–18.49
52W close$15.01–18.71
Avg vol 30d17K
Short int20K · 0.3% float · 1.0d
Short vol37%
Last earningsJul 29, 2026
DataJan 2020–Oct 2026
Filing10-K · Sep 2
Up next
Next earnings call
Oct 28, 2026
Est · unconfirmed
· in 3 wks
filed Sep 2, 2026
call held Jan 28, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
—
Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
+16.2%
Trailing year
Short interest
0.3%
Latest settlement · 1.0 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Very Low
Market backdrop
VIX 15.5 · calm
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
+0%
above
RSI (14)
46
neutral
MACD trend
Negative
52-week position
87%
near high
Volume (OBV)
Bullish div.
accumulating
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+6%
trailing
YTD return
+15%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $18 › 200d $17 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +3 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.32% of float · ▼ -23.0% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
31 holders — mid 3-yr range
Squeeze score
28
low risk · 0–100
Fundamentals
EPS growth
+11%
Y/Y
Free cash flow
$8.5M
Valuation
P/E 17.9
rich
Balance sheet
$107.8M
net debt
Quant / Vol
risk profile
Volatility
11%
annualized · 1-yr
Max drawdown
−5%
past year
ATR
1.5%
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 Jan 27, 2020
Operating expenses
· per quarter
$7.5M
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2025
Operating expenses
· remainder of fiscal 2026
$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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
46
Neutral
MACD trend
Negative
Bearish
52-week position
87%
Bullish
Volume (OBV)
Bullish div.
Bullish
Market signals — smart money & positioning
Bullish · 1 of 6
Trend (MA cross)
No cross
50d $18 › 200d $17 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +3 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.32% of float · ▼ -23.0% MoM · 1.0 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
Range low $15
Now $18 · 87%
Range high $19
vs 200-day avg +7%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL on loans as a percentage of gross non-performing loans at period end | 1,153.85% | For The Year Ended June 30, 2026 filing | — |
| ACL on loans as a percentage of total gross loans held for investment at period end | 0.57% | For The Year Ended June 30, 2026 filing | — |
| Core deposits as a percentage of total deposits | 61.2% | fiscal 2026 filing | — |
| Deposit growth | 2.43% | fiscal 2026 filing | — |
| Employee turnover | 17.1% | fiscal year 2026 filing | — |
| FDIC annual assessments | $550,000 | fiscal year ended June 30, 2026 filing | — |
| FHLB - San Francisco cash dividends distributed to the Bank | $1.1M | Fiscal year 2026 filing | — |
| interest rate spread | 2.91% | fiscal year 2026 filing | — |
| Limit on loans to one borrower | 19.3M | fiscal year ended June 30, 2026 filing | — |
| Loans held for investment as a percentage of total deposits | 113.43% | fiscal 2026 filing | — |
| Loans held for investment growth | -1.25% | fiscal 2026 filing | — |
| net interest margin | 3.09% | fiscal year 2026 filing | — |
| Non-performing assets as a percentage of total assets | 0.04% | fiscal 2026 filing | — |
| Non-performing single-family loans, net of allowances and charge-offs | $50,000 | fiscal year 2026 filing | — |
| Non-traditional single-family loans | 14.8M | fiscal year 2026 filing | — |
| OCC annual assessments | $111,000 | fiscal year ended June 30, 2026 filing | — |
| percentage of transaction accounts to total deposits | 61% | fiscal year 2026 filing | — |
| Qualified thrift investments as a percentage of portfolio assets | 93.4% | fiscal year ended June 30, 2026 filing | — |
| ratio of average interest-earning assets to average interest-bearing liabilities | 110.61% | fiscal year 2026 filing | — |
| Return on average assets | 0.55% | fiscal year 2026 filing | — |
| Return on average stockholders' equity | 5.17% | fiscal year 2026 filing | — |
| Single-family loans held for investment | 565.9M | fiscal year 2026 filing | — |
| Single-family loans originated to be held for investment | 115.5M | fiscal year 2026 filing | — |
| Single-family mortgage loans with lender-paid mortgage insurance | 136.1M | fiscal year 2026 filing | — |
| Tier 1 leverage capital ratio | 10.3% | fiscal 2026 filing | — |
| weighted average loan rate (loans originated for investment) | 6.19% | fiscal year 2026 filing | — |
| weighted average loan yield | 5.02% | fiscal year 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PROV
this stock
Provident Financial Holdings Inc
|
$114.83M | +14.6% | — | 17.9 | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +50.7% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -39.5% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +16.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -6.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PROV | -0.2% | -2.5% | +6.2% | +1.2% | +14.6% |
| SPY | +1.2% | +0.6% | +11.6% | +1.6% | +13.6% |
| vs SPY | -1.4% | -3.1% | -5.4% | -0.4% | +1.0% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
shares 318,875
Spent (derived)
shares 144,270
Remaining
shares 174,605
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.