Provident Financial Holdings Inc. Common Stock (PROV)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Provident as a small, thinly traded community bank, not a wide-moat compounder. It operates Provident Savings Bank in Southern California, and at the 2026-10-13 close of $18.10, FairStock calculates a market cap of $112.8 million, P/E of 17.57, P/B of 0.90, ROE of 5.22%, ROCE of 0.54%, PEG of 0.27, Piotroski F-score of 7/9, and FairStock Score of 52/100. The 10-K for fiscal year 2026, the year ended 2026-06-30, reports net income of $6.7 million and diluted EPS of $1.03. Fiscal year 2025, ended 2025-06-30, had net income of $6.3 million and diluted EPS of $0.93, while fiscal year 2024, ended 2024-06-30, was better at $7.4 million and $1.06. Quarterly filings are uneven: fiscal Q3 2026, the quarter ended 2026-03-31, net income was $1.4 million and diluted EPS $0.21; fiscal Q2 2026, the quarter ended 2025-12-31, was $1.4 million and $0.22; fiscal Q1 2026, the quarter ended 2025-09-30, was $1.7 million and $0.25. The FairStock Lynch category is SLOW GROWER — Shrinking, with profit down about 2.5% a year over five years. A 0.90 P/B and 3.08% dividend yield with beta 0.31 are mild attractions, but a 5.22% ROE is weak for a bank, and the data lacks CET1, net interest margin, efficiency ratio, and credit-cost measures. I see a cheap-ish, low-beta, dividend-paying small bank with limited growth, not a fortress.

In plain English: Provident Financial Holdings is a small Southern California community bank that takes deposits and makes mortgage and commercial loans. It is not especially strong—profits have been uneven and returns are modest—but it pays a decent dividend and trades below the value of its net assets. At $18.10 a share, the price looks roughly fair to slightly cheap versus its earnings and net asset value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer