Provident Financial Holdings Net Income
| PROV Stock | USD 16.26 0.02 0.12% |
As of the 9th of February, Provident Financial holds the Semi Deviation of 0.7259, coefficient of variation of 1250.04, and Risk Adjusted Performance of 0.0656. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Provident Financial, as well as the relationship between them. Please check Provident Financial variance and potential upside to decide if Provident Financial is priced some-what accurately, providing market reflects its current price of 16.26 per share. Given that Provident Financial has jensen alpha of 0.0509, we recommend you to check out Provident Financial's recent market performance to make sure the company can sustain itself at a future point.
Provident Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 8.0417 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 5.6 M | 6.8 M | |
| Net Income Applicable To Common Shares | 7.7 M | 7.9 M | |
| Net Income From Continuing Ops | 5.6 M | 5.3 M | |
| Net Income Per Share | 1.07 | 1.17 | |
| Net Income Per E B T | 0.63 | 0.48 |
Provident | Net Income | Build AI portfolio with Provident Stock |
The evolution of Net Income for Provident Financial Holdings provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Provident Financial compares to historical norms and industry peers.
Latest Provident Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Provident Financial Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Provident Financial financial statement analysis. It represents the amount of money remaining after all of Provident Financial Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Provident Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Provident Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 6.25 M | 10 Years Trend |
|
Net Income |
| Timeline |
Provident Net Income Regression Statistics
| Arithmetic Mean | 7,882,805 | |
| Geometric Mean | 6,816,507 | |
| Coefficient Of Variation | 65.33 | |
| Mean Deviation | 2,903,644 | |
| Median | 7,351,000 | |
| Standard Deviation | 5,149,766 | |
| Sample Variance | 26.5T | |
| Range | 23.7M | |
| R-Value | (0.26) | |
| Mean Square Error | 26.4T | |
| R-Squared | 0.07 | |
| Significance | 0.32 | |
| Slope | (263,897) | |
| Total Sum of Squares | 424.3T |
Provident Net Income History
Other Fundumenentals of Provident Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Provident Financial Net Income component correlations
Provident Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Provident Financial is extremely important. It helps to project a fair market value of Provident Stock properly, considering its historical fundamentals such as Net Income. Since Provident Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Provident Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Provident Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
What growth prospects exist in Regional Banks sector? Can Provident capture new markets? Factors like these will boost the valuation of Provident Financial. Anticipated expansion of Provident directly elevates investor willingness to pay premium valuations. Valuation analysis balances hard financial data with qualitative growth assessments. While each Provident Financial valuation metric matters, prioritizing which indicators carry greater predictive weight remains essential.
Quarterly Earnings Growth 0.702 | Dividend Share 0.56 | Earnings Share 0.99 | Revenue Per Share | Quarterly Revenue Growth 0.109 |
Investors evaluate Provident Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Provident Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investment professionals apply varied valuation frameworks to compute inherent worth and acquire positions when market prices trade at discounts to calculated value. External factors like market trends, sector rotation, and investor psychology can cause Provident Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Provident Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Provident Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Provident Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Provident Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Provident Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Provident Financial.
| 11/11/2025 |
| 02/09/2026 |
If you would invest 0.00 in Provident Financial on November 11, 2025 and sell it all today you would earn a total of 0.00 from holding Provident Financial Holdings or generate 0.0% return on investment in Provident Financial over 90 days. Provident Financial is related to or competes with Victory Bancorp, MF Bancorp, First Community, Andover Bancorp, Community Capital, Woodlands Financial, and HCB Financial. Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B More
Provident Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Provident Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Provident Financial Holdings upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.9034 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 4.66 | |||
| Value At Risk | (1.04) | |||
| Potential Upside | 1.34 |
Provident Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Provident Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Provident Financial's standard deviation. In reality, there are many statistical measures that can use Provident Financial historical prices to predict the future Provident Financial's volatility.| Risk Adjusted Performance | 0.0656 | |||
| Jensen Alpha | 0.0509 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.4246 |
Provident Financial February 9, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0656 | |||
| Market Risk Adjusted Performance | 0.4346 | |||
| Mean Deviation | 0.6472 | |||
| Semi Deviation | 0.7259 | |||
| Downside Deviation | 0.9034 | |||
| Coefficient Of Variation | 1250.04 | |||
| Standard Deviation | 0.9089 | |||
| Variance | 0.8262 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | 0.0509 | |||
| Total Risk Alpha | (0.03) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.4246 | |||
| Maximum Drawdown | 4.66 | |||
| Value At Risk | (1.04) | |||
| Potential Upside | 1.34 | |||
| Downside Variance | 0.8161 | |||
| Semi Variance | 0.5269 | |||
| Expected Short fall | (0.81) | |||
| Skewness | (0.01) | |||
| Kurtosis | 2.98 |
Provident Financial Backtested Returns
At this stage we consider Provident Stock to be very steady. Provident Financial maintains Sharpe Ratio (i.e., Efficiency) of 0.12, which implies the firm had a 0.12 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Provident Financial, which you can use to evaluate the volatility of the company. Please check Provident Financial's Risk Adjusted Performance of 0.0656, coefficient of variation of 1250.04, and Semi Deviation of 0.7259 to confirm if the risk estimate we provide is consistent with the expected return of 0.11%. Provident Financial has a performance score of 9 on a scale of 0 to 100. The company holds a Beta of 0.15, which implies not very significant fluctuations relative to the market. As returns on the market increase, Provident Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Provident Financial is expected to be smaller as well. Provident Financial right now holds a risk of 0.91%. Please check Provident Financial potential upside, as well as the relationship between the accumulation distribution and price action indicator , to decide if Provident Financial will be following its historical price patterns.
Auto-correlation | 0.44 |
Average predictability
Provident Financial Holdings has average predictability. Overlapping area represents the amount of predictability between Provident Financial time series from 11th of November 2025 to 26th of December 2025 and 26th of December 2025 to 9th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Provident Financial price movement. The serial correlation of 0.44 indicates that just about 44.0% of current Provident Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.44 | |
| Spearman Rank Test | 0.51 | |
| Residual Average | 0.0 | |
| Price Variance | 0.01 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Provident Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, Provident Financial Holdings reported net income of 6.25 M. This is 99.51% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 98.9% higher than that of the company.
Provident Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Provident Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Provident Financial could also be used in its relative valuation, which is a method of valuing Provident Financial by comparing valuation metrics of similar companies.Provident Financial is currently under evaluation in net income category among its peers.
Provident Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Provident Financial from analyzing Provident Financial's financial statements. These drivers represent accounts that assess Provident Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Provident Financial's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 128.9M | 109.8M | 91.1M | 85.3M | 76.8M | 86.8M | |
| Enterprise Value | 159.6M | 171.4M | 260.2M | 272.5M | 245.2M | 170.6M |
Provident Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Provident Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Provident Financial's managers, analysts, and investors.Environmental | Governance | Social |
Provident Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Provident Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Provident Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Provident Financial's value.| Shares | Empowered Funds, Llc | 2025-06-30 | 29.5 K | Northern Trust Corp | 2025-06-30 | 26.5 K | Federated Hermes Inc | 2025-06-30 | 26 K | Continental Advisors Llc | 2025-06-30 | 24.1 K | State Street Corp | 2025-06-30 | 24.1 K | Talbot Financial | 2025-06-30 | 17.9 K | Bank Of New York Mellon Corp | 2025-06-30 | 13.6 K | Black Maple Capital Management Lp | 2025-06-30 | 12.2 K | Royal Bank Of Canada | 2025-06-30 | 8.7 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 490.5 K | M3f, Inc. | 2025-06-30 | 401.2 K |
Provident Fundamentals
| Return On Equity | 0.0515 | ||||
| Return On Asset | 0.0053 | ||||
| Profit Margin | 0.16 % | ||||
| Operating Margin | 0.22 % | ||||
| Current Valuation | 262.99 M | ||||
| Shares Outstanding | 6.41 M | ||||
| Shares Owned By Insiders | 20.08 % | ||||
| Shares Owned By Institutions | 48.94 % | ||||
| Number Of Shares Shorted | 32.86 K | ||||
| Price To Earning | 18.75 X | ||||
| Price To Book | 0.82 X | ||||
| Price To Sales | 2.58 X | ||||
| Revenue | 60.16 M | ||||
| Gross Profit | 40.8 M | ||||
| EBITDA | 12.36 M | ||||
| Net Income | 6.25 M | ||||
| Cash And Equivalents | 38.9 M | ||||
| Cash Per Share | 5.38 X | ||||
| Total Debt | 213.07 M | ||||
| Debt To Equity | 7.78 % | ||||
| Book Value Per Share | 19.88 X | ||||
| Cash Flow From Operations | 8.69 M | ||||
| Short Ratio | 4.92 X | ||||
| Earnings Per Share | 0.99 X | ||||
| Price To Earnings To Growth | (1.69) X | ||||
| Target Price | 16.0 | ||||
| Number Of Employees | 95 | ||||
| Beta | 0.31 | ||||
| Market Capitalization | 105.27 M | ||||
| Total Asset | 1.25 B | ||||
| Retained Earnings | 212.4 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.33 % | ||||
| Net Asset | 1.25 B | ||||
| Last Dividend Paid | 0.56 |
About Provident Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Provident Financial Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Provident Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Provident Financial Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Thematic Opportunities
Explore Investment Opportunities
Additional Tools for Provident Stock Analysis
When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.