Provident Financial Holdings Stock Analysis

Provident Stock Analysis Notes

About 20.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.81. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Provident Financial last dividend was issued on the 12th of February 2026. The entity had 3:2 split on the 3rd of February 2004. 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. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California. Provident Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 110 people. To find out more about Provident Financial Holdings contact Craig Blunden at 951 686 6060 or learn more at https://www.myprovident.com.

Provident Financial Investment Alerts

Provident Largest EPS Surprises

View All Earnings Estimates

Provident Financial Environmental, Social, and Governance (ESG) Scores

Provident Stock Institutional Investors

Note, although Provident Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Provident Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 104.56 M.

Provident Profitablity

The company has Profit Margin (PM) of 0.16 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.22 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.22.

Management Efficiency

Return On Tangible Assets is likely to climb to 0.01 in 2026. Return On Capital Employed is likely to climb to 0.05 in 2026. At this time, Provident Financial's Non Currrent Assets Other are fairly stable compared to the past year. Total Current Assets is likely to climb to about 112.9 M in 2026, whereas Non Current Assets Total are likely to drop slightly above 1.2 B in 2026. Provident Financial's management efficiency ratios could be used to measure how well Provident Financial manages its routine affairs as well as how well it operates its assets and liabilities.

Technical Drivers

As of the 4th of February, Provident Financial holds the Risk Adjusted Performance of 0.0514, coefficient of variation of 1484.66, and Semi Deviation of 0.7494. 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 16.15 per share. Given that Provident Financial has jensen alpha of 0.0438, 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 Price Movement Analysis

Provident Financial Insider Trading Activities

Provident Financial Outstanding Bonds

Provident Financial Predictive Daily Indicators

Provident Financial Corporate Filings

Provident Financial Forecast Models

Provident Financial's time-series forecasting models are one of many Provident Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Provident Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Provident Financial Bond Ratings

Provident Financial Holdings financial ratings play a critical role in determining how much Provident Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Provident Financial's borrowing costs.

Provident Financial Debt to Cash Allocation

Provident Financial Holdings currently holds 213.07 M in liabilities with Debt to Equity (D/E) ratio of 7.78, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Provident Financial's use of debt, we should always consider it together with its cash and equity.

Provident Financial Total Assets Over Time

Provident Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Provident Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Provident Financial Debt Ratio

19.0

It appears most of the Provident Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Provident Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Provident Financial, which in turn will lower the firm's financial flexibility.

Provident Financial Corporate Bonds Issued

Provident Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Provident Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Provident shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Provident Financial. By using and applying Provident Stock analysis, traders can create a robust methodology for identifying Provident entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Provident analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Provident analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Provident Financial Holdings stock analysis indicators help investors evaluate how Provident Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Provident Financial shares will generate the highest return on investment. By understating and applying Provident Financial stock analysis, traders can identify Provident Financial position entry and exit signals to maximize returns.

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.