📊 PROV Key Takeaways
Is Provident Financial Holdings Inc. (PROV) a Good Investment?
Provident Financial exhibits strong revenue growth (+59.6% YoY) but deteriorating shareholder returns, with net income flat YoY and ROE collapsed to 2.4%, indicating that top-line expansion is not translating to profitable growth. The disconnect between revenue growth and earnings, combined with concerning interest coverage of 0.3x and declining EPS (-12.3%), suggests operational challenges or unfavorable business mix that erodes value creation.
Why Buy Provident Financial Holdings Inc. Stock? PROV Key Strengths
- Strong revenue growth of 59.6% YoY demonstrates market demand and expanding operations
- Zero debt with 0.00x debt-to-equity ratio provides financial flexibility and downside protection
- Positive free cash flow of 3.5M with 12.4% FCF margin shows operational cash generation
PROV Stock Risks: Provident Financial Holdings Inc. Investment Risks
- Abysmal ROE of 2.4% and ROA of 0.3% indicate severe inefficiency in deploying shareholder capital and assets
- Net income growth flat (0.0% YoY) despite 59.6% revenue growth signals margin compression and deteriorating profitability quality
- Interest coverage ratio of 0.3x is critically low for a financial institution, suggesting inability to adequately cover interest obligations from operating income
- EPS declined 12.3% YoY despite efforts to grow, indicating shareholder dilution outpacing earnings growth
Key Metrics to Watch
- Net profit margin trend and revenue quality (monitoring for further margin compression)
- Interest coverage ratio (must improve above 1.0x for financial stability)
- Return on Equity trajectory (must exceed 8-10% to justify equity investment)
Provident Financial Holdings Inc. (PROV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PROV Profit Margin, ROE & Profitability Analysis
PROV vs Finance Sector: How Provident Financial Holdings Inc. Compares
How Provident Financial Holdings Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Provident Financial Holdings Inc. Stock Overvalued? PROV Valuation Analysis 2026
Based on fundamental analysis, Provident Financial Holdings Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Provident Financial Holdings Inc. Balance Sheet: PROV Debt, Cash & Liquidity
PROV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Provident Financial Holdings Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.06 reflects profitable operations.
PROV Revenue Growth, EPS Growth & YoY Performance
Provident Financial Holdings Inc. Dividends, Buybacks & Capital Allocation
PROV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Provident Financial Holdings Inc. (CIK: 0001010470)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PROV
What is the AI rating for PROV?
Provident Financial Holdings Inc. (PROV) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PROV's key strengths?
Claude: Strong revenue growth of 59.6% YoY demonstrates market demand and expanding operations. Zero debt with 0.00x debt-to-equity ratio provides financial flexibility and downside protection.
What are the risks of investing in PROV?
Claude: Abysmal ROE of 2.4% and ROA of 0.3% indicate severe inefficiency in deploying shareholder capital and assets. Net income growth flat (0.0% YoY) despite 59.6% revenue growth signals margin compression and deteriorating profitability quality.
What is PROV's revenue and growth?
Provident Financial Holdings Inc. reported revenue of $28.1M.
Does PROV pay dividends?
Provident Financial Holdings Inc. pays dividends, with $1.8M distributed to shareholders in the trailing twelve months.
Where can I find PROV SEC filings?
Official SEC filings for Provident Financial Holdings Inc. (CIK: 0001010470) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PROV's EPS?
Provident Financial Holdings Inc. has a diluted EPS of $0.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PROV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Provident Financial Holdings Inc. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PROV stock overvalued or undervalued?
Valuation metrics for PROV: ROE of 2.4% (sector avg: 12%), net margin of 11.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PROV stock in 2026?
Our dual AI analysis gives Provident Financial Holdings Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PROV's free cash flow?
Provident Financial Holdings Inc.'s operating cash flow is $3.7M, with capital expenditures of $231.0K. FCF margin is 12.4%.
How does PROV compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.1% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).