PROVFinancial Services · Banks - RegionalThe 2 Wall Street analysts covering Provident Financial Holdings, Inc. hold a median 12-month price target of $19 — +1.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 79 of 100 as at 29 Oct 2026 — inside the top quartile. 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 (98): 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 systematic trader with 15+ 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.
Data provided by Twelve Data
The green dot is the last close — the median target sits +1.6% 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.
PROV appears in the Radar on the weeks it earns a place.
AI cloud capacity
MSFTAMZNGOOGLORCL
AI chips
NVDAAVGOAMDMU
AI networking and serversIn full
ANETDELLLITECRDO
Data centre power
VRTCEGGEVVST
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 29 Oct 2026, Provident Financial Holdings, Inc. returned +19.2% against +13.1% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
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 41% of US stocks
Cheaper than 42% of US stocks
Cheaper than 73% of US stocks
Higher than 54% of US stocks
Higher than 68% of US stocks
Higher than 87% of US stocks
Higher than 79% of US stocks
Higher than 54% of US stocks
Higher than 47% of US stocks
Higher than 87% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Provident Financial Holdings, Inc. has a market value of $112.8M and an enterprise value of $223.4M.
Revenue in the twelve months to 30 June 2026: $40.1M. The latest quarter grew 10.3% year on year.
Net income over the same four quarters: $6.7M, a 16.6% net margin.
Diluted earnings per share, trailing twelve months: $1.03.
Free cash flow in the twelve months to 30 June 2026: $8.5M.
Provident Financial Holdings, Inc. spent $6.0M on share buybacks and $3.6M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 17.7×; forward P/E: 14.3× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 3.08%, paying out 54% of earnings.
Provident Financial Holdings, Inc. employs 95 people — $422K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| PROVProvident Financial Holdings, Inc. | $112.8M | 79 |
| UNBUnion Bankshares, Inc. (Vermont) | $116.9M | 23 |
| WSBKWinchester Bancorp, Inc. | $119.4M | 33 |
| BSBKBogota Financial Corp. | $119.7M | 61 |
| SFBCSound Financial Bancorp, Inc. | $115.5M | 52 |
| RVSBRiverview Bancorp, Inc. | $122.6M | 73 |
| OPHCOptimumBank Holdings, Inc. | $111.0M | 77 |
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 →
Provident Financial reported modest loan growth in fiscal Q1 2027, supported by lower payoff activity and stable origination pipelines. Management expects seasonal factors to limit lending activity in coming quarters.
Why it matters — PROV watchers may note the modest growth alongside management’s expectation of slower lending activity in the coming quarters.
Seeking Alpha published the transcript of Provident Financial Holdings’ Q1 fiscal 2027 earnings call, held October 28, 2026. The excerpt identifies company and conference-call participants and opens the call.
Why it matters — The transcript provides PROV watchers with a record of the company’s quarterly earnings call, though the excerpt contains no discussion of results or outlook.
A Zacks article examines Provident Financial’s Q1 results for the quarter ended September 2026, focusing on how key metrics compared with Wall Street estimates and year-ago values.
Why it matters — These comparisons offer PROV watchers additional context on quarterly performance beyond the top- and bottom-line figures.
Provident Financial reported quarterly earnings of $0.25 per share, below the Zacks Consensus Estimate of $0.32. Earnings were $0.25 per share in the same period a year ago.
Why it matters — PROV watchers may note that quarterly earnings fell short of the cited consensus estimate while matching the year-ago per-share result.
Provident Financial Holdings reported fiscal 2027 first-quarter net income of $1.57 million, down 28% sequentially and 6% year over year, while net interest margin rose to 3.32%. Loans held for investment increased to $1.04 billion; deposits declined to $897.7 million, and the allowance for credit losses rose to $6.59 million.
Why it matters — The results show mixed quarter-over-quarter trends in earnings, margin, loans, deposits, and credit-loss reserves that PROV watchers may track.
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. 79 out of 100 across roughly 4,600 US stocks as at 29 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 29 Oct 2026, Provident Financial Holdings, Inc. ranks 79 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 (98 of 100).
No one can know that. What the data says: the median 12-month target from 2 analysts implies +1.6% from the last close, and Ticker Nerd's factor model ranks Provident Financial Holdings, Inc. 79 out of 100 as at 29 Oct 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 +19.2% over the 12 months to 29 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Provident Financial Holdings Inc. is a bank holding company that provides community banking and financial services through Provident Savings Bank, F.S.B.
The most recent item we track (MarketBeat, 28 Oct 2026): "Provident Financial Q1 Earnings Call Highlights". Provident Financial reported modest loan growth in fiscal Q1 2027, supported by lower payoff activity and stable origination pipelines. Management expects seasonal factors to limit lending activity in coming quarters.
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.
CEO Mr. Donavon P. Ternes · 95 employees · United States · https://www.myprovident.com
