What is Provident Financial Holdings, Inc.'s (PROV) StockRank?

MoatMap's StockRank for Provident Financial Holdings, Inc. (PROV) is 46/100, with a Hold signal. This is a composite score combining Quality (42), Value (52), and Momentum (46) factor ranks across MoatMap's 20,000+ stock universe.

Does Provident Financial Holdings, Inc. have an economic moat?

Provident Financial Holdings, Inc. (PROV) has a Quality factor score of 42/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Provident Financial Holdings, Inc. a buy, hold, or sell?

MoatMap's current signal for Provident Financial Holdings, Inc. (PROV) is Hold, based on a StockRank of 46/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Provident Financial Holdings, Inc. in?

Provident Financial Holdings, Inc. (PROV) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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PROV

HOLD

Provident Financial Holdings, Inc. · Financial Services · United States · $108M · Avg Vol: $83K/d

StockRank

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P/E (TTM)

18.3x

ROE

4.8%

D/E

1.7x

Dividend %

3.3%

COMPANY DESCRIPTION

Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.A., a community-oriented financial institution primarily serving the Inland Empire region of Southern California. The bank offers a variety of retail and business banking services. It maintains a competitive position through its focus on local customer relationships and tailored financial products within its regional market.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	36.3M	41.1M	38.9M	39.0M	2.4%	39.6M	39.4M	39.5M	0.6%
EPS	1.01	1.23	1.20	1.06	0.95	-1.5%	0.93	0.98	1.06	5.7%
Shares	—	7.3M	7.0M	6.8M	6.6M	-9.7%	6.3M	—	—	—
Debt	—	85.0M	235.0M	238.5M	213.1M	35.8%	186.6M	—	—	—
Equity	—	128.7M	129.7M	129.9M	128.5M	-0.0%	—	—	—	—
Op CF	—	11.8M	16.3M	5.7M	8.7M	-9.7%	8.1M	—	—	—
Inv CF	—	-51.7M	-109.9M	45.1M	26.5M	—	—	—	—	—
Fin CF	—	-6.9M	136.0M	-65.2M	-33.4M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+0.9%

SMA 50SMA 200

$17.26

RSI (14)

58.4

52W High

$17.40

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*22.6

ROE

4.8%25.4

GP/Assets

3.2%N/A

Op. Margin

21.7%40.7

FCF/Assets

0.6%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

1.66xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

18.3x29.2

EV/EBITDA

bankN/A

P/FCF

14.6xN/A

P/B

0.8x77.6

P/S

2.7x67.4

Div Yield

3.3%41.9

Momentum

52W High %

99%91.6

RS 6M

-0%56.5

SMA 50/200

1.06x61.7

EPS Rev 4W

-20.6%1.3

EPS Rev 12W

-20.6%3.6

EPS Improve

+12%35.5

Q Growth

-27%13.1

FUNDAMENTALS

Market Cap

$108M

P/E (Forward)

16.3x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PROV are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PROV	Provident Financial Holdings, Inc.(you)	$108M	46	HOLD
SFBC	Sound Financial Bancorp, Inc.	$107M	46	HOLD
WSBK	Winchester Bancorp, Inc.	$116M	46	HOLD
BYFC	Broadway Financial Corporation	$95M	45	HOLD
SRBK	SR Bancorp, Inc.	$142M	46	HOLD
FSEA	First Seacoast Bancorp, Inc.	$79M	48	HOLD
AFBI	Affinity Bancshares, Inc.	$140M	43	HOLD
CPBI	Central Plains Bancshares, Inc.	$83M	50	HOLD
BSBK	Bogota Financial Corp.	$116M	37	HOLD
PBHC	Pathfinder Bancorp, Inc.	$99M	37	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$17.26
Market Cap	$108M
P/E (TTM)	18.27
P/E (Forward)	16.34
Price/Book	0.85
Return on Equity	4.8%
Debt/Equity	1.66x
Operating Margin	21.7%
Revenue Growth	-11.2%
Dividend Yield	3.3%
Free Cash Flow	$7M