Provident Financial Holdings, Inc. (PROV) Stock Score, Valuation & Financial Research
Provident Financial Holdings, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 42/100.
Quick answer for PROV
Provident Financial Holdings, Inc. currently has a Wall Street Score of 42/100. The stored market price is $18.63. Its financial score is 27/100. Its valuation score is 87/100. These figures are a research snapshot, not a buy or sell recommendation.
What Provident Financial Holdings, Inc. does
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquarter
PROV financial snapshot
- Wall Street Score:
- 42/100
- Current price:
- $18.63
- Market capitalization:
- $116.5M
- Revenue:
- $59.4M
- Net income:
- $6.1M
- Free cash flow:
- $8.2M
- Cash:
- $57.1M
- Total debt:
- $186.3M
- EPS:
- 0.93
- P/E ratio:
- 20.0x
- Financial score:
- 27/100
- Valuation score:
- 87/100
- Revenue score:
- 23/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $8.2M, showing positive cash generation.
- The balance sheet shows $57.1M of cash versus $186.3M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 87/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 27/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PROV
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.