📊 PROV Key Takeaways
Is Provident Financial Holdings Inc. (PROV) a Good Investment?
Provident Financial Holdings exhibits critical structural deterioration masked by top-line growth. Revenue surged 59.6% but net income was flat YoY and EPS declined 12.3%, indicating severe margin compression. An interest coverage ratio of 0.5x reveals the company cannot service debt obligations from operating earnings, signaling unsustainable leverage or asset quality deterioration.
Provident Financial Holdings Inc. Key Strengths (PROV)
- Strong revenue growth of 59.6% YoY demonstrates expanded lending/deposit base
- Positive free cash flow of $5.2M with adequate liquidity of $57.1M in cash
- Zero long-term debt exposure with Debt/Equity ratio of 0.00x eliminates refinancing risk
PROV Stock Risks: Provident Financial Holdings Inc. Investment Risks
- Critical interest coverage of 0.5x indicates inability to service interest obligations from operating earnings—unsustainable for financial institution
- Net income stagnation despite 59.6% revenue growth and 12.3% EPS decline reveal deteriorating unit economics or margin compression from rising deposit costs
- Severely depressed ROE (3.5%) and ROA (0.4%) indicate poor capital deployment and potential credit losses in loan portfolio
Key Metrics to Watch
- Interest coverage ratio—must exceed 1.5x within 2-3 quarters to signal operational viability
- Net interest margin and deposit costs—monitor if rising rate environment continues squeezing margins
- Loan loss provisions and nonperforming asset trends—verify if low returns reflect credit deterioration
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 grade of D with 80% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PROV's key strengths?
Claude: Strong revenue growth of 59.6% YoY demonstrates expanded lending/deposit base. Positive free cash flow of $5.2M with adequate liquidity of $57.1M in cash.
What are the risks of investing in PROV?
Claude: Critical interest coverage of 0.5x indicates inability to service interest obligations from operating earnings—unsustainable for financial institution. Net income stagnation despite 59.6% revenue growth and 12.3% EPS decline reveal deteriorating unit economics or margin compression from rising deposit costs.
What is PROV's revenue and growth?
Provident Financial Holdings Inc. reported revenue of $42.0M.
Does PROV pay dividends?
Provident Financial Holdings Inc. pays dividends, with $2.7M 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 $0.68.
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 grade reflects both perspectives for balanced insights.
What is PROV's fundamental grade?
Based on our AI fundamental analysis in May 2026, Provident Financial Holdings Inc. has a D grade with 80% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PROV stock overvalued or undervalued?
Valuation metrics for PROV: ROE of 3.5% (sector avg: 12%), net margin of 10.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PROV's AI grade for 2026?
Our dual AI analysis gives Provident Financial Holdings Inc. a combined D grade 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 $5.6M, with capital expenditures of $376.0K. FCF margin is 12.5%.
How does PROV compare to other Finance stocks?
Vs Finance sector averages: Net margin 10.7% (avg: 25%), ROE 3.5% (avg: 12%), current ratio N/A (avg: 1.2).