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Provident Holdings

NSQ:PROV · US7438681014
BanksSmall

360

19
Medium confidence — indicative
Profit price21
Cash yield85
Price/Sales90
EV / Gross Profit18
Price/Book89
Returns on capital51
Profit margins—
Cash Conversion47
Accruals92
Owner Earnings Margin63
Sales growth1
Profit Growth1
Owner Earnings Growth41
Reinvestment30
Price momentum6
Debt load6
Debt serviceability93
Liquidity29
Analyst ratings24
Opinion Changes50
Price Target Upside8
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Provident Holdings clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1996
Websiteir.myprovident.com
ISINUS7438681014
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Provident Financial Holdings, Inc. (Provident) operates as a holding company of Provident Savings Bank, F.S.B. (the bank). The company is regulated by the Board of Governors of the Federal Reserve System (Federal Reserve). The bank is regulated by t…

Analysis

Middle-of-the-road

Provident Financial Holdings, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.3×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
23
2023202420252026

All-time high

53

Jan 2024

All-time low

21

Jan 2023

Average rank

36

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
90
83
89
75
Price/Earnings
8
49
71
20
Price/Book
89
77
91
82
Dividend Yield
85
80
84
87
Value (overall)
87
89
98
83

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →