PROVFinancial Services · Banks - RegionalThe 2 Wall Street analysts covering Provident Financial Holdings, Inc. hold a median 12-month price target of $19 — +2.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 92 of 100 as at 22 Aug 2026 — among the strongest tenth. Here, the model and the Street point the same way.
Consensus tells you what everyone already believes. The model scores Provident Financial Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (99): The share count has been shrinking and the company is not leaning on new borrowing.
Quality (17): Profits are thin or unreliable for the size of the business, or they are not turning into cash.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on PROV, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
The green dot is the last close — the median target sits +2.9% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 3 Aug 2026 | Piper Sandler | Maintains | Neutral | $17 → $18 |
| 26 June 2026 | Piper Sandler | Assumes | Neutral | $17 |
| 30 Oct 2025 | Piper Sandler | Maintains | Neutral | — |
| 14 July 2025 | Piper Sandler | Assumes | Neutral | $17 |
| 29 Jan 2025 | Piper Sandler | Maintains | Neutral | — |
| 30 Oct 2024 | Piper Sandler | Maintains | Neutral | — |
| 31 July 2024 | Piper Sandler | Maintains | Neutral | — |
| 1 May 2024 | Piper Sandler | Maintains | Neutral | — |
| 29 June 2023 | Piper Sandler | Assumes | Neutral | $14 |
| 29 Jan 2021 | Janney Capital | Downgrade | Neutral | — |
| 29 Jan 2021 | Janney Montgomery Scott | Downgrade | Neutral | — |
| 1 Oct 2020 | Piper Sandler | Maintains | Overweight | — |
| 5 May 2020 | Piper Sandler | Upgrade | Overweight | — |
| 11 Feb 2020 | Piper Sandler | Initiates | Neutral | — |
| 29 Jan 2020 | Janney Capital | Upgrade | Buy | — |
| 29 Jan 2020 | Janney Montgomery Scott | Upgrade | Buy | — |
| 5 Feb 2019 | Fig Partners | Upgrade | Outperform | — |
| 5 Feb 2019 | FIG Partners | Upgrade | Outperform | — |
| 29 July 2016 | Keefe Bruyette & Woods | Maintains | Market Perform | — |
| 29 July 2016 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. PROV appears on the weeks it earns a place.
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 43% of US stocks
Cheaper than 44% of US stocks
Cheaper than 77% of US stocks
Higher than 53% of US stocks
Higher than 69% of US stocks
Higher than 86% of US stocks
Higher than 79% of US stocks
Higher than 54% of US stocks
Higher than 46% of US stocks
Higher than 67% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| PROVProvident Financial Holdings, Inc. | $112.6M | 92 |
| WSBKWinchester Bancorp, Inc. | $116.7M | 20 |
| PNBKPatriot National Bancorp, Inc. | $118.4M | 14 |
| UNBUnion Bankshares, Inc. (Vermont) | $118.7M | 34 |
| BSBKBogota Financial Corp. | $119.6M | 63 |
| OPHCOptimumBank Holdings, Inc. | $113.1M | 75 |
| SFBCSound Financial Bancorp, Inc. | $121.4M | 49 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Provident Financial Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Seeking Alpha published the transcript of Provident Financial Holdings, Inc.'s Q4 2026 earnings call.
Why it matters — The earnings call transcript provides investors and analysts with the full details of management's discussion of the company's fourth-quarter financial results and outlook.
Provident Financial reported modest loan growth in its fiscal fourth quarter ended June 30, 2026, driven by higher loan originations and lower prepayments, according to President and CEO Donavon Ternes during the company's earnings call.
Why it matters — A PROV watcher would care because loan growth in the single-family portfolio is a key indicator of the company's core business performance and operational health.
Provident Financial's Q4 earnings for the quarter ended June 2026 are compared to Wall Street estimates and year-ago values, with attention on key metrics beyond just top- and bottom-line figures.
Why it matters — The analysis provides a deeper look at Provident Financial's performance by evaluating how its key metrics stack up against analyst expectations and prior-year results.
Provident Financial reported Q4 earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.28 per share, compared to $0.24 per share a year ago.
Why it matters — The earnings beat exceeded analyst expectations and showed improvement over the prior year's results.
Provident Financial Holdings reported fiscal fourth-quarter 2026 results, with net income of $2.18 million, up 61% from the prior quarter and 34% from the same quarter last year. Net interest margin expanded to 3.21%, while non-performing assets declined to 0.04% of total assets.
Why it matters — The report shows improvements in profitability, net interest margin, and asset quality compared to both the prior quarter and the prior-year period.
The 2 Wall Street analysts covering Provident Financial Holdings, Inc. have a median 12-month price target of $19, with estimates ranging from $18 to $19. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 2 analysts covering Provident Financial Holdings, Inc., 0 rate it a Buy, 2 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Provident Financial Holdings, Inc. 92 out of 100 across roughly 4,600 US stocks as at 22 Aug 2026. None of this is personal advice — it does not consider your circumstances.
As at 22 Aug 2026, Provident Financial Holdings, Inc. ranks 92 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (99 of 100).
No one can know that. What the data says: the median 12-month target from 2 analysts implies +2.9% from the last close, and Ticker Nerd's factor model ranks Provident Financial Holdings, Inc. 92 out of 100 as at 22 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Provident Financial Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PROV are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $18 to $19 over the next 12 months.
Provident Financial Holdings, Inc. returned +23.1% over the 12 months to 21 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.
Provident Financial Holdings Inc. is a bank holding company based in Riverside, California.
The most recent item we track (Seeking Alpha, 29 July 2026): "Provident Financial Holdings, Inc. (PROV) Q4 2026 Earnings Call Transcript". Seeking Alpha published the transcript of Provident Financial Holdings, Inc.'s Q4 2026 earnings call.
Provident Financial Holdings Inc. is a bank holding company based in Riverside, California. It serves as the parent company of Provident Savings Bank, which offers a variety of financial services primarily in the Inland Empire region. The company focuses on providing community-oriented banking services, including residential mortgage and commercial real estate loans, along with personal banking products like checking and savings accounts. Provident Financial Holdings Inc. plays a crucial role in supporting local communities and businesses with tailored financial solutions, helping to stimulate regional economic development. Its operations are largely centered around traditional banking practices with an emphasis on customer service and individualized attention. The company holds a significant position within its operating region, aiming to address the distinct financial needs of individuals and businesses in the area, thereby contributing to the stability and growth of the local economy. Its commitment to community banking is underscored by its extensive experience and dedication to maintaining strong customer relationships.
CEO Mr. Donavon P. Ternes · 95 employees · United States · https://www.myprovident.com