profit from every $100 of sales.
$0$100
Provident Financial Holdings
$18.45+1.15% today
+18.3% in 1 year
1-year low $15.011-year high $18.71
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $18.03 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Provident Financial Holdings sold, what it kept, and what it did with the cash.
Sales went from $36.3 million in 2022 to $39.0 million in 2025, with $6.26 million of profit last year.
SalesProfit
Provident Financial Holdings handed back more cash to shareholders than it generated last year.
Buybacks $4M$4M
Free cash flow 2025$8M
Bought back its own shares$4M
Paid as dividends$4M
Cash vs. debt$53M vs. $213M
Provident Financial Holdings vs. similar companies
Provident Financial Holdings grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Provident Financial Holdings | 18.0× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Provident Financial Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 36 | 41 | 39 | 39 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 9 | 9 | 7 | 6 | |
| 1.22 | 1.19 | 1.06 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 25.0% | 20.9% | 18.9% | 16.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,187 | 1,333 | 1,272 | 1,246 |
| Cash | 23 | 66 | 51 | 53 |
| Total debt | 85 | 235 | 239 | 213 |
| Total liabilities | 1,058 | 1,203 | 1,142 | 1,117 |
| 129 | 130 | 130 | 129 | |
| 7 | 7 | 7 | – | |
| – | – | – | – | |
| 7.1% | 6.6% | 5.7% | 4.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 12 | 16 | 6 | 9 | |
| 0 | 1 | 2 | 1 | |
| 12 | 16 | 4 | 8 | |
| Dividends paid | 4 | 4 | 4 | 4 |
| 4 | 5 | 3 | 4 | |
| 1 | 1 | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 18.0×
- 16.6×
- –
- 0.9×
- 2.9×
- 5.5%
- 3.3%
Profitability
- 16.0%
- 0.5%
- 2.8%
- 4.8%
- 0.5%
Growth
- +2.4%
- –
- +0.0%
- −2.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 17%of 754
Bottom 34%of 605
Bottom 34%of 883
Bottom 27%of 880
Top 37%of 929
What analysts expect
- Average price target
- $16.00
- Range
- $16.00 – $16.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.21 | 0.29 | −27.6% |
| Jan 26, 2026 | 0.22 | 0.30 | −26.7% |
| Oct 28, 2025 | 0.25 | 0.29 | −13.8% |
| Jul 28, 2025 | 0.24 | 0.29 | −17.2% |
| Apr 28, 2025 | 0.28 | 0.24 | +16.7% |
| Jan 28, 2025 | 0.13 | 0.29 | −55.2% |
| Oct 28, 2024 | 0.28 | 0.25 | +12.0% |
| Jul 29, 2024 | 0.28 | 0.23 | +21.7% |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+0.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.47 in 2015 → $0.56 in 2025
How safe it looks
60.2% of its profit
Room to growStretchedMore than it earns: 46.2%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
48No pass
Benjamin Graham
65Pass
Philip Fisher
55No pass
Peter Lynch
43No pass
Joel Greenblatt
12No pass
Charlie Munger
45No pass
Terry Smith
44No pass
Questions about Provident Financial Holdings
Is Provident Financial Holdings a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Provident Financial Holdings AI analysis
What does Provident Financial Holdings do?
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. It is in Banks - Regional.
Does Provident Financial Holdings pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 60% of its yearly profit. In 2025 it paid out $3.77 million in dividends.
Is Provident Financial Holdings stock halal?
No. Provident Financial Holdings does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Provident Financial Holdings stock done over the past year?
Up 18.3% over the past twelve months, to $18.45. It traded between $15.01 and $18.71, close to its high.
Who are Provident Financial Holdings's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Provident Financial Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.