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    Provident Financial Holdings Inc

    MaveScore 36 Low model confidence
    Last Price US$17.26 As of Jul 10, 2026
    DCF Fair Price US$21.78 Research estimate · Jul 10, 2026 +26.2% vs price
    Market Cap US$109.1m Company size context
    7D Performance 0.29% Past 7 days
    1Y Performance 9.66% Past 12 months
    Model Rating
    Historical model output for research review

    Fundamental data date

    Mar 31, 2026

    103 days old

    Market price date

    Jul 10, 2026

    2 days old

    Coverage

    14/16

    2 missing model inputs

    Data quality

    Excellent

    Current stored snapshot

    Loading Mave Thesis research outlook

    Transparent research score

    Why the model scores this stock

    MaveScore is a research prioritization score from 0 to 100. It is historical model output for watchlist review, not personalized financial advice.

    MaveScore 36 Low confidence

    Stored data quality

    Freshness and coverage checks

    14/16 Current stored snapshot

    Quality

    20/35 Mixed

    Blends latest model rank with profitability and dilution ranks.

    Financial Strength

    1/25 Weak

    Rewards durable profitability, margins, and positive free cash flow.

    Valuation Support

    5/15 Weak

    Favors positive earnings, positive cash flow, and lower multiples.

    Momentum

    6/15 Weak

    Highlights research candidates with supportive 3-month and 6-month price regimes.

    Shareholder Alignment

    4/10 Weak

    Rewards less dilutive share behavior and enough size for liquid research coverage.

    Positive model output

    More live company inputs are needed before positive research signals can be surfaced.

    Research risks to review

    • Rewards durable profitability, margins, and positive free cash flow.
    • Favors positive earnings, positive cash flow, and lower multiples.
    • Highlights research candidates with supportive 3-month and 6-month price regimes.

    MaveScore uses historical model inputs, stored company fundamentals, and stored price context for research support only. Review missing inputs and business-specific risks before acting. Missing inputs right now include net margin, gross margin.

    Overview Earnings Report Price History News Competitors Earnings per Share Return on Equity Net Margin Share Buyback Leverage Financial Statements Financial Ratio
    Dashboard Funda..tals Prediction Screener Map

    Provident Financial Holdings Inc Overview

    Industry: Banking Services

    Sector: Financials

    Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company's deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. The company operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California. Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company's deposit products include checking, savings, Read More

    Provident Financial Holdings Inc is evaluated based on the investment philosophy and approach to stock market investing developed by renowned investor Warren Buffett. Companies with high ratings typically exhibit growing earnings, a substantial profit margin, conservative leverage, a consistently high return on equity, and a sustained practice of repurchasing their shares over the years.

    Provident Financial Holdings Inc

    Score

    Reported Results

    What the company reported, with filing details kept small.

    Filed Apr 28, 2026

    Quarterly result summary

    EPS was $6 (+367% YoY).

    EPS $6 +367% YoY
    Net income $1.4M -6% YoY

    What changed

    • EPS +367% YoY to $6.
    • Net income -6% YoY to $1.4M.

    Guidance / outlook

    No formal outlook was extracted from this filing excerpt. Open the SEC source to review full management commentary.

    Earnings release Open filing

    Source: SEC EDGAR company-filed earnings materials. Dates are shown only for verification; review the source filing before relying on extracted report details.

    Other recent earnings materials
    SEC filing 10-Q May 07, 2026 SEC filing 10-Q Feb 06, 2026 Earnings release 8-K filing Jan 27, 2026 SEC filing 10-Q Nov 07, 2025 Earnings release 8-K filing Oct 28, 2025 SEC filing 10-K Aug 29, 2025 Earnings release 8-K filing Jul 28, 2025

    Recent News



    Earnings Per Share

    Score 2.00/5
    Provident Financial Holdings Inc earns a low score, as its Earnings Per Share (EPS) has not shown continuous growth over the last six years. Notable counterparts in the sector with high scores includes PNC Financial Services Group Inc Kearny Financial Corp PRA Group Inc
    In Banking Services industry , PNC Financial Services Group Inc , Kearny Financial Corp , PRA Group Inc are companies with high ratings.

    Return on Equity

    Score 4.76/5
    Provident Financial Holdings Inc stands out with a superior score in the Return on Equity (ROE) section, surpassing the sector median value and showcasing its strong performance in this metric. The top companies in the same sector include PNC Financial Services Group Inc Kearny Financial Corp PRA Group Inc
    Provident Fi... PROV US$109.1m
    PNC Financia... PNC US$102.5b
    Kearny Finan... KRNY US$603.7m
    PRA Group In... PRAA US$704.8m

    Net Margin

    Score 2.88/5
    Provident Financial Holdings Inc commands a high score, propelled by its net margin consistently outpacing the sector median value and exhibiting continuous growth in recent six years; noteworthy counterparts in the sector, boasting similarly high scores, include PNC Financial Services Group Inc Kearny Financial Corp PRA Group Inc
    Provident Fi... PROV US$109.1m
    PNC Financia... PNC US$102.5b
    Kearny Finan... KRNY US$603.7m
    PRA Group In... PRAA US$704.8m

    Share Buyback

    In Banking Services industry , PNC Financial Services Group Inc , Kearny Financial Corp , PRA Group Inc are companies with high ratings.

    Leverage

    Score 1.14/5
    Provident Financial Holdings Inc registers a lower score in the category as a result of its elevated leverage ratio over the past six years compared to the sector median value. Conversely, other companies in the same sector, including PNC Financial Services Group Inc Kearny Financial Corp PRA Group Inc have achieved high scores.
    Provident Fi... PROV US$109.1m
    PNC Financia... PNC US$102.5b
    Kearny Finan... KRNY US$603.7m
    PRA Group In... PRAA US$704.8m

    Financial Statements

    Company-reported SEC EDGAR facts organized into the three core statements.

    SEC financial statements are temporarily unavailable.

    Source: SEC EDGAR companyfacts. Values are standardized company filings for research support, not personalized financial advice.

    Financial Ratio

    Yearly Quarterly

    Financial
    Profitability
    Growth
    Cash Flow
    Financial Health
    Efficiency Ratios

    Provident Financial Holdings Inc logo

    Provident Financial Holdings Inc

    US$17.26

    US$21.78

    +26.2% vs price

    US$109.1m

    0.29%

    9.66%