Provident Financial Holdings Inc. PROV | NASDAQ
$18.15
$0.05 | 0.28%
TREND SIGNAL:
|2026-10-13
|2026-10-13
Next Earnings: Oct 27, 2026
Company Overview:
Market Cap:
$115.69M
Trailing PE:
17.6x
FWD PE *:
13.5x
Payout Ratio (TTM):
—
52-Week Range:
$14.95 - $18.99
* Forward PE is based on street estimates.
10 Year PROV Performance Metrics:
Total Return (with DRIP):
26.4% (2.37% CAGR)
Total Return (no DRIP):
17.3% (1.61% CAGR)
Share Price:
-8.1% (-0.84% CAGR)
Yield on Cost (with DRIP):
3.90%
Total Invested:
$10,000
Total Value (with DRIP):
$12,641
Total Return $ (with DRIP):
$2,641
Dividend Increase:
7.7% (0.76% CAGR)
Dividend Yield (FWD):
3.09% ($0.56)
PROV 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
PROV Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
PROV Price CAGR:1Y: 14.87%2Y: 11.69%5Y: 1.40%10Y: -0.84%
PROV Dividend Charts
PROV Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 1.55%
PROV Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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PROV Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
PROV Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Shares Outstanding CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
PROV Actual Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Actual EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Actual Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
PROV Net Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Price to Earnings CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Price To Sales Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PROV Dividends Info:
Annual Dividend:
$0.56
Forward Yield:
3.09%
Ex-Dividend Date:
2026-08-13
Lifetime Dividends / Share:
$10.26
PROV Dividend History: Dates, Payments & Yield list
Below is a schedule of all PROV dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/13/2026 | 09/03/2026 | $0.140 | 3.11% | 3.02% | $18.53 |
| 05/14/2026 | 06/04/2026 | $0.140 | 3.29% | 3.31% | $16.92 |
| 02/12/2026 | 03/05/2026 | $0.140 | 3.44% | 3.47% | $16.12 |
| 11/13/2025 | 12/04/2025 | $0.140 | 3.59% | 3.66% | $15.30 |
| 08/14/2025 | 09/04/2025 | $0.140 | 3.6% | 3.59% | $15.60 |
| 05/15/2025 | 06/05/2025 | $0.140 | 3.6% | 3.68% | $15.21 |
| 02/13/2025 | 03/06/2025 | $0.140 | 3.55% | 3.76% | $14.89 |
| 11/14/2024 | 12/05/2024 | $0.140 | 3.53% | 3.45% | $16.21 |
| 08/15/2024 | 09/05/2024 | $0.140 | 4.23% | 4% | $14.01 |
| 05/15/2024 | 06/06/2024 | $0.140 | 4.48% | 4.38% | $12.80 |
| 02/14/2024 | 03/07/2024 | $0.140 | 3.84% | 3.98% | $14.07 |
| 11/15/2023 | 12/07/2023 | $0.140 | 4.9% | 4.83% | $11.60 |
| 08/16/2023 | 09/07/2023 | $0.140 | 4.01% | 4.31% | $13.00 |
| 05/17/2023 | 06/08/2023 | $0.140 | 4.69% | 4.45% | $12.59 |
| 02/13/2023 | 03/07/2023 | $0.140 | 3.92% | 3.95% | $14.18 |
| 11/16/2022 | 11/18/2022 | $0.140 | 3.9% | 3.89% | $14.38 |
| 08/17/2022 | 08/19/2022 | $0.140 | 3.88% | 3.87% | $14.47 |
| 05/18/2022 | 05/20/2022 | $0.140 | 3.77% | 3.82% | $14.66 |
| 02/14/2022 | 02/16/2022 | $0.140 | 3.33% | 3.32% | $16.85 |
| 11/17/2021 | 11/19/2021 | $0.140 | 3.34% | 3.34% | $16.77 |
| 08/11/2021 | 08/13/2021 | $0.140 | 3.24% | 3.24% | $17.30 |
| 05/17/2021 | 05/19/2021 | $0.140 | 3.3% | 3.38% | $16.58 |
| 02/17/2021 | 02/19/2021 | $0.140 | 3.52% | 3.52% | $15.90 |
| 11/18/2020 | 11/20/2020 | $0.140 | 4.1% | 4.12% | $13.60 |
| 08/19/2020 | 08/21/2020 | $0.140 | 4.53% | 4.64% | $12.07 |
| 05/20/2020 | 05/22/2020 | $0.140 | 4.47% | 4.41% | $12.70 |
| 02/14/2020 | 02/17/2020 | $0.140 | 2.53% | 0% | $0.00 |
| 11/19/2019 | 11/21/2019 | $0.140 | 2.57% | 2.57% | $21.76 |
| 08/19/2019 | 08/21/2019 | $0.140 | 2.67% | 2.79% | $20.10 |
| 02/15/2019 | 02/18/2019 | $0.140 | 2.86% | 0% | $0.00 |
| 11/14/2018 | 11/16/2018 | $0.140 | 3.21% | 3.21% | $17.45 |
| 08/20/2018 | 08/22/2018 | $0.140 | 3.08% | 3.09% | $18.10 |
| 05/16/2018 | 05/18/2018 | $0.140 | 3.08% | 3.06% | $18.29 |
| 02/16/2018 | 02/19/2018 | $0.140 | 3.08% | 0% | $0.00 |
| 11/13/2017 | 11/15/2017 | $0.140 | 2.95% | 2.94% | $19.05 |
| 08/17/2017 | 08/21/2017 | $0.140 | 2.96% | 2.99% | $18.75 |
| 05/17/2017 | 05/19/2017 | $0.130 | 2.76% | 2.74% | $18.99 |
| 02/13/2017 | 02/15/2017 | $0.130 | 2.76% | 2.72% | $19.12 |
| 11/10/2016 | 11/14/2016 | $0.130 | 2.64% | 2.63% | $19.79 |
| 08/11/2016 | 08/15/2016 | $0.130 | 2.7% | 2.7% | $19.25 |
| 05/13/2016 | 05/16/2016 | $0.120 | 2.65% | 2.64% | $18.21 |
| 02/11/2016 | 02/15/2016 | $0.120 | 2.86% | 0% | $0.00 |
| 11/09/2015 | 11/11/2015 | $0.120 | 2.72% | 2.71% | $17.71 |
| 08/07/2015 | 08/10/2015 | $0.120 | 2.95% | 2.86% | $16.80 |
| 05/15/2015 | 05/18/2015 | $0.120 | 2.9% | 2.88% | $16.66 |
| 02/13/2015 | 02/16/2015 | $0.110 | 2.78% | 0% | $0.00 |
| 11/18/2014 | 11/20/2014 | $0.110 | 2.93% | 2.93% | $15.03 |
| 08/08/2014 | 08/11/2014 | $0.110 | 2.97% | 2.94% | $14.98 |
| 05/16/2014 | 05/19/2014 | $0.100 | 2.78% | 2.77% | $14.46 |
| 02/14/2014 | 02/17/2014 | $0.100 | 2.64% | 0% | $0.00 |
| 11/19/2013 | 11/21/2013 | $0.100 | 2.8% | 2.76% | $14.51 |
| 08/19/2013 | 08/21/2013 | $0.100 | 2.22% | 2.21% | $18.06 |
| 05/20/2013 | 05/22/2013 | $0.070 | 1.8% | 1.82% | $15.41 |
| 02/11/2013 | 02/13/2013 | $0.070 | 1.6% | 1.58% | $17.70 |
| 11/19/2012 | 11/21/2012 | $0.050 | 1.32% | 1.28% | $15.65 |
| 08/13/2012 | 08/15/2012 | $0.050 | 1.56% | 1.54% | $12.95 |
| 05/09/2012 | 05/11/2012 | $0.040 | 1.47% | 1.46% | $10.94 |
| 02/13/2012 | 02/15/2012 | $0.040 | 1.63% | 1.63% | $9.80 |
| 11/16/2011 | 11/18/2011 | $0.030 | 1.32% | 1.32% | $9.10 |
| 08/17/2011 | 08/19/2011 | $0.030 | 1.44% | 1.45% | $8.25 |
| 05/25/2011 | 05/27/2011 | $0.010 | 0.51% | 0.51% | $7.85 |
| 02/23/2011 | 02/25/2011 | $0.010 | 0.49% | 0.48% | $8.25 |
| 11/23/2010 | 11/25/2010 | $0.010 | 0.62% | 0% | $0.00 |
| 08/25/2010 | 08/27/2010 | $0.010 | 0.76% | 0.75% | $5.31 |
| 05/20/2010 | 05/24/2010 | $0.010 | 0.62% | 0.71% | $5.65 |
| 02/23/2010 | 02/25/2010 | $0.010 | 1.28% | 1.29% | $3.10 |
| 11/18/2009 | 11/20/2009 | $0.010 | 0.87% | 0.94% | $4.24 |
| 08/13/2009 | 08/17/2009 | $0.010 | 0.57% | 0.57% | $6.97 |
| 05/19/2009 | 05/21/2009 | $0.030 | 1.67% | 1.78% | $6.74 |
| 02/06/2009 | 02/09/2009 | $0.030 | 2.92% | 2.65% | $4.53 |
| 11/19/2008 | 11/21/2008 | $0.050 | 3.57% | 3.57% | $5.60 |
| 08/21/2008 | 08/25/2008 | $0.050 | 3.08% | 3.04% | $6.57 |
| 05/15/2008 | 05/19/2008 | $0.100 | 3.13% | 3.25% | $12.32 |
| 02/21/2008 | 02/25/2008 | $0.180 | 4.16% | 4.34% | $16.59 |
| 11/15/2007 | 11/19/2007 | $0.180 | 3.69% | 3.72% | $19.35 |
| 08/16/2007 | 08/20/2007 | $0.180 | 3.99% | 3.88% | $18.57 |
| 05/17/2007 | 05/21/2007 | $0.180 | 3.04% | 2.99% | $24.09 |
| 02/14/2007 | 02/16/2007 | $0.180 | 2.6% | 2.56% | $28.11 |
| 11/15/2006 | 11/17/2006 | $0.180 | 2.37% | 2.42% | $29.78 |
| 08/15/2006 | 08/17/2006 | $0.150 | 0% | 0% | $0.00 |
| 05/11/2006 | 05/15/2006 | $0.150 | 0% | 0% | $0.00 |
| 02/15/2006 | 02/17/2006 | $0.150 | 0% | 0% | $0.00 |
| 11/18/2005 | 11/21/2005 | $0.140 | 0% | 0% | $0.00 |
| 08/15/2005 | 08/17/2005 | $0.140 | 0% | 0% | $0.00 |
| 05/18/2005 | 05/20/2005 | $0.140 | 0% | 0% | $0.00 |
| 02/16/2005 | 02/18/2005 | $0.140 | 0% | 0% | $0.00 |
| 11/19/2004 | 11/22/2004 | $0.140 | 0% | 0% | $0.00 |
| 08/13/2004 | 08/16/2004 | $0.100 | 0% | 0% | $0.00 |
| 05/18/2004 | 05/20/2004 | $0.100 | 0% | 0% | $0.00 |
| 01/15/2004 | 01/19/2004 | $0.044 | 0% | 0% | $0.00 |
| 10/31/2003 | 11/03/2003 | $0.044 | 0% | 0% | $0.00 |
| 08/18/2003 | 08/20/2003 | $0.044 | 0% | 0% | $0.00 |
| 05/12/2003 | 05/14/2003 | $0.022 | 0% | 0% | $0.00 |
| 02/07/2003 | 02/10/2003 | $0.022 | 0% | 0% | $0.00 |
| 11/13/2002 | 11/15/2002 | $0.022 | 0% | 0% | $0.00 |
| 08/05/2002 | 08/07/2002 | $0.022 | 0% | 0% | $0.00 |
Projected Future Returns & Dividends for PROV
Based on past 10-year performance, here are PROV growth metrics:
Share price CAGR of -0.84%
Dividend CAGR of +0.74%
Using PROV CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| PROV (DRIP) | PROV - No DRIP | |
|---|---|---|
| Current Price | $18.15 | $18.15 |
| Start Shares | 550.96 | 550.96 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 766.63 | 550.96 |
| Dividends Payment | $0.15 | $0.15 |
| Annual Dividends | $462 | $332 |
| Yield on cost | 4.62% | 3.32% |
| Share Price | $16.68 | $16.68 |
| Total Dividends | $3,757 | $3,191 |
| Final Value | $12,787 | $12,381 |
Estimated Future Value + Dividends - PROV
NOTE: Above numbers are our estimate based on PROV's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Provident Financial Holdings Inc. (PROV) had its IPO on , and is traded on NASDAQ stock exchange.
Provident Financial Holdings Inc. is a bank holding company that provides community banking and financial services through Provident Savings Bank, F.S.B. Based in Riverside, California, it focuses on serving individuals, small to mid-sized businesses, and institutional clients in Southern California, particularly the Inland Empire region. The company’s core offerings include deposit accounts such as checking, savings, money market, and time deposits, along with lending products covering single-family, multi-family, commercial real estate, construction, business, consumer, and other mortgage loans. Provident Financial Holdings Inc. also provides merchant services, wealth management services, investment products including annuities and mutual funds, and trustee services for real estate-secured loan transactions. Its business model centers on combining relationship-based local banking with a broader set of financial solutions for everyday banking, lending, and specialized client needs.
PROV website: https://www.myprovident.com
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DCF Model — PROV
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $18.15
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
