Provident Financial Holdings, Inc.

PROV

$18.53

+1.09%

2026-09-03 16:00:00 EDT+$0.20

Financial Services

Banks - Regional

NASDAQ

Active Trading

Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services ...

Price Action of PROV

$18.53

+1.09%+$0.20

High—

Low—

52W High-1.1%

Rel. vol—

Interval

Range2.9h

Volume—SMA5SMA10

—

Provident Financial Holdings, Inc. (PROV) is a California-based financial holding company headquartered in Riverside, operating as the parent of Provident Savings Bank, F.S.B. Founded in 1956, the company has served the Inland Empire region for over six decades, focusing on community banking relationships. Its business model centers on gathering deposits ...Provident Financial Holdings, Inc. (PROV) is a California-based financial holding company headquartered in Riverside, operating as the parent of Provident Savings Bank, F.S.B. Founded in 1956, the company has served the Inland Empire region for over six decades, focusing on community banking relationships. Its business model centers on gathering deposits and originating a diversified loan portfolio, including single-family, multi-family, commercial real estate, construction, and commercial business loans. The bank also extends consumer loans, and offers wealth management services such as annuities and mutual funds, along with trustee services for real estate secured transactions. With approximately 163 employees, the company maintains a personalized approach, targeting individuals, small to mid-sized businesses, and institutional clients. Financially, PROV has shown resilience with a market capitalization around $112 million, a price-to-earnings ratio of approximately 17.4, and a dividend yield of 3.1%, indicating a commitment to shareholder returns. The company's gross profit margin stands at 68.1%, reflecting efficient operations. Despite challenges in the regional banking sector, PROV has maintained a tangible book value per share of $19.82 and a return on equity of 5.2%. Under the leadership of CEO Donavon P. Ternes, who assumed office in January 2024, the company continues to emphasize community involvement and prudent financial management. Provident Savings Bank is known for its strong customer service and dedication to the local economy, aiming to support the financial well-being of its communities through a variety of banking and investment solutions. As a publicly traded entity on NASDAQ since 1996, PROV remains a stable regional player in the financial services industry, focusing on long-term growth and stability.ExpandCollapse

Founded

1956

Employees

163

CEO

Donavon Ternes

Full Name

Provident Financial Holdings, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

5.23%

Market Cap

$0.12B

Current Ratio

0.48

WACC

7.49%

ROIC

-13.51%

Contact Information

https://www.myprovident.com

951 686 6060

3756 Central Avenue, Riverside, CA 92506

Key Metrics of PROV

Snapshot

Latest / TTM · 6 periods

Market Cap

$115.88M

ROCE

0.9%

EV / EBITDA

17.70x

+0.0% YoY

FCF Yield

7.6%

-0.6% YoY

Cash Conversion Cycle

26.2d

Current Ratio

0.48

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of PROV

Profitability trend

Latest / TTM · 6 periods

Gross Margin

68.1%

Net Margin

11.2%

P/E Ratio

17.99x

n/a

Debt / Equity

1.24

n/a

Current Ratio

0.48

Dividend Yield

3.0%

Understanding

TTM —

Current ratio below 1.0

Calendar of PROV

Upcoming

Sep 30, 2026In 26 days
Q1 FY2027 · Estimated results
Est. EPS $0.32 · Revenue $10.30M · 2 analysts
Dec 30, 2026
Q2 FY2027 · Estimated results
Est. EPS $0.34 · Revenue $10.40M · 2 analysts
Mar 30, 2027
Q3 FY2027 · Estimated results
Est. EPS $0.34 · Revenue $10.20M · 1 analysts
Jun 30, 2027
FY2027 · Estimated annual results
Est. EPS $1.34 · Revenue $41.40M · 1 analysts

Recent history

Sep 3, 2026
Dividend payment
$0.56 per share
Sep 2, 2026
FY2026 · Annual results
EPS $1.03 · Revenue $59.62M
View filing
Aug 13, 2026
Ex-dividend date
$0.56 per share
May 7, 2026
Q3 FY2026 · Results reported
EPS $0.21 · Revenue $14.57M
View filing
Feb 6, 2026
Q2 FY2026 · Results reported
EPS $0.22 · Revenue $14.87M
View filing
Nov 7, 2025
Q1 FY2026 · Results reported
EPS $0.25 · Revenue $14.96M
View filing

Financial Statements of PROV

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$59.6M	-0.9%	+4.4%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$6.7M	+6.4%	+61.3%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+68.1%	+3.3%	+7.2%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+16.2%	+9.6%	+47.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+11.2%	+7.4%	+54.5%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$9.0M	+10.0%	+90.3%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+15.0%	+11.0%	+82.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	124.4%	-24.9%	-15.5%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.48x	+639.9%	-29.8%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$1.2B	-3.0%	-0.8%

Actual vs Estimate

A Jun 30Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	1.03 vs 1.03	-0.5%	0.34 vs 0.29	+17.2%
Revenue Surprise	$59.6M vs $39.4M	+51.3%	$15.2M vs $10.0M	+52.2%

Insider Transactions of PROV

Acquisitions (A)

Since Jul 23, 2026

Disposals (D)

Since Jul 23, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 12, 2026	Van Stockum Michael Scott	officer: Senior Vice President	Common Stock, PAR value $0.01	D	272	$18.02
Aug 12, 2026	Ritter Robert Scott	officer: Senior Vice President	Common Stock, PAR value $0.01	D	601	$18.02
Aug 12, 2026	Sunarto Haryanto Lee	officer: Vice President	Common Stock, PAR value $0.01	D	357	$18.02
Aug 12, 2026	TERNES DONAVON P	officer: President & CEO	Common Stock, PAR value $0.01	D	1,346	$18.02
Aug 12, 2026	Wertz Gwendolyn	officer: Senior Vice President	Common Stock, PAR value $0.01	D	601	$18.02

Earnings Call Transcript of PROV

1 transcript segments

Q4 2026

Unknown Speaker

Operator: Hello, and thank you for standing by. My name is Lacey, and I will be your conference operator today. At this time, I'd like to welcome everyone to the Provident Financial Holdings Fourth Quarter and Fiscal 2026 Earnings Call. Thank you. I'd now like to turn the call over to Donavon Ternes, please go ahead. Donavon Ternes: Thank you, Lacey. Good morning. This is Donavon Ternes, President and CEO of Provident Financial Holdings. And on the call with me is Peter Fan, our Senior Vice President and Chief Financial Officer. Before we begin, I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company's general outlook for interest rates, economic and business conditions. We also may make forward-looking statements during the question-and-answer period following management's presentation. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed yesterday from the annual report on Form 10-K for the year ended June 30, 2025, and from the Form 10-Qs and other SEC filings that are filed subsequent to the Form 10-K. Forward-looking statements are effective only as of the date that they are made, and the company assumes no obligation to update this information. To begin with, thank you for participating in our call. I hope that each of you has had an opportunity to review our earnings release that we distributed yesterday, which describes our fourth quarter and fiscal 2026 results. In the most recent quarter, loan originations increased while loan prepayments declined, resulting in a modest loan growth of approximately $3 million, primarily in our portfolio of single-family loans. We originated $46.4 million of loans held for investment, a 5% increase from the $44.2 million originated in the prior sequential quarter. Loan principal payments and payoffs declined to $43.5 million, a decrease of 16% from the $52.1 million in the March 2026 quarter. We have seen loan prepayment activity decline in the current interest rate environment as refinancing opportunities are less attractive. We continue to make adjustments to our underwriting requirements within certain loan segments to support disciplined, sustainable growth and origination volume. Despite the volatility in the market, our loan pipeline has remained stable, suggesting our loan origination volume in the September 2026 quarter will remain at the upper end of the range of recent quarters which has been between $29 million and $46 …

Leadership Team of PROV

3 executives

Name	Title	Compensation	Gender	Year Born	Status
Donavon Ternes	President & Chief Executive Officer	USD 554,113	Male	1960	Active
Peter C. Fan	Senior Vice President, Chief Financial Officer & Corporate Secretary	USD 258,902	Male	—	Active
Michael Scott Van Stockum	Senior V.P & Chief Lending Officer	—	—	—	Active

Recent News of PROV

Zacks Investment Research4 days agoNeutral

Best Income Stocks to Buy for August 31st

PROV, VAC and TGT made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 31, 2026.

Zacks Investment Research8/27/2026Neutral

New Strong Buy Stocks for August 27th

NVST, VIRT, ONTO, HMN and PROV have been added to the Zacks Rank #1 (Strong Buy) List on August 27th, 2026.

Zacks Investment Research8/27/2026Neutral

Best Income Stocks to Buy for August 27th

BMA, PROV and HMN made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 27th, 2026.

Seeking Alpha7/29/2026Neutral

Provident Financial Holdings, Inc. (PROV) Q4 2026 Earnings Call Transcript

MarketBeat7/29/2026Neutral

Provident Financial Q4 Earnings Call Highlights

Provident Financial NASDAQ: PROV reported modest loan growth in its fiscal fourth quarter ended June 30, 2026, as higher loan originations and lower prepayments supported expansion in its single-family loan portfolio, President and CEO Donavon Ternes said during the company's earnings call.

Historical Employee Count of PROV

Current

158

Change

-3.07%

Minimum

158

Maximum

163

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Jun 30, 2026	158	10-K	Sep 2, 2026	View
Jun 30, 2025	163	10-K	Aug 29, 2025	View
Jun 30, 2024	160	10-K	Aug 30, 2024	View
Jun 30, 2023	161	10-K	Sep 5, 2023	View
Jun 30, 2022	162	10-K	Sep 2, 2022	View

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Provident Financial Holdings, Inc.