NMS · Banks - Regional

PROV (PROV) Stock

$18.53 +1.09% NMS: PROV Financial Services

Valuation

MetricValue
Price$18.53
Market Cap$115.88M
P/E Ratio18.42
P/B Ratio0.86
P/S Ratio1.81
EPS (TTM)$0.93
52-Week High$18.69
52-Week Low$14.95
Dividend Yield3.25%

Financials & Margins

MetricValue
ROE4.77%
ROA0.49%
ROCE6.98%
Gross Margin15.00%
Operating Margin15.00%
Net Margin10.27%
Debt/Equity1.47
Current Ratio0.06

Annual Financials (USD)

Metric20212022202320242025
Revenue$40.0M$39.0M$50.0M$59.0M$60.0M
Operating Profit$10.0M$13.0M$12.0M$10.0M$9.0M
Net Profit$8.0M$9.0M$9.0M$7.0M$6.0M
EPS$1.00$1.22$1.19$1.06$0.93
Op Margin25.6%32.6%24.8%17.7%14.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.2B$1.2B$1.3B$1.3B$1.2B
Total Liabilities$1.1B$1.1B$1.2B$1.1B$1.1B
Cash$70.0M$23.0M$66.0M$51.0M$53.0M
Borrowings$101.0M$85.0M$235.0M$239.0M$213.0M

Latest News

Why It Might Not Make Sense To Buy Provident Financial Holdings, Inc. (NASDAQ:PROV) For Its Upcoming Dividend Simply Wall St. · May 11, 2026 Provident Bank Celebrates 70 Years of Community Impact with Over $984,000 Donated to Local Nonprofits Since 2006 Through Its Community Partnership Program GlobeNewswire · Apr 30, 2026 Provident Financial Q3 Earnings Call Highlights MarketBeat · Apr 29, 2026 Provident Financial Holdings Inc (PROV) Q3 2026 Earnings Report Preview: What to Expect GuruFocus.com · Apr 28, 2026 Provident Financial: Fiscal Q3 Earnings Snapshot Associated Press · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$12.0M$12.0M$16.0M$6.0M$9.0M
Investing Cash Flow$-56.0M$-52.0M$-111.0M$43.0M$26.0M
Financing Cash Flow$43.0M$13.0M$-10.0M$-65.0M$-4.0M
Net Cash Flow$-46.0M$-47.0M$42.0M$-14.0M$2.0M
Free Cash Flow$11.0M$12.0M$16.0M$4.0M$8.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y13.33%
Return 3Y40.73%
Return 5Y18.75%

Ownership

Insiders Held20.60%
Institutions Held51.73%
Institutions Float Held65.16%
Institutional HolderSharesReport Date
Dimensional Fund Advisors LP490,4102026-03-31
Raffles Associates Lp391,1182026-03-31
Fourthstone LLC365,6322026-03-31
Manufacturers Life Insurance Co.306,4342026-03-31
M3F, Inc.284,5942026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AFBI $22.98 +0.13% 17.43 $140.06M 0.00%
AUBN $26.55 +0.19% 11.63 $92.75M 4.47%
FGBI $8.44 +1.44% -3.27 $139.59M 0.47%
IROQIF Bancorp, Inc. $26.55 +0.00% 16.59 $88.98M 1.51%
LSBK $17.42 +1.10% 14.78 $136.99M 2.23%

About PROV

PROV is led by CEO Donavon Ternes, employs 94 people, headquartered in US, publicly traded since 1996.

PROV stock trades at $18.53 with a market capitalization of $115.88M. The stock is valued at a price-to-earnings (P/E) ratio of 18.42, price-to-book of 0.86, price-to-sales of 1.81. Over the past 52 weeks the stock has ranged between $14.95 and $18.69, and currently trades at its 52-week high. It pays a dividend yielding 3.25%.

On profitability, PROV generates a return on equity (ROE) of 4.77%, return on capital employed of 6.98%, an operating margin of 15.00%, a net profit margin of 10.27%.

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