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PROVPROVFinancial Services · Banks - Regional

PROV Stock Forecast: Provident Financial Holdings, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026
$19
−0.43% on the day

The 2 Wall Street analysts covering Provident Financial Holdings, Inc. hold a median 12-month price target of $19 — -0.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 92 of 100 as at 12 Sept 2026 — among the strongest tenth. The factors read stronger than the Street's target implies. That gap is the story on this page.

Market cap
$116.1M
Ticker Nerd rank
92 / 100
Median analyst target
$19
Analysts covering
2
Revenue$10.6M+8.5% y/y
Net income$2.2M
Free cash flow$3.3M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+0.5%
1M
+4.6%
YTD
+20.0%
1Y
+23.8%
From 52W high
−0.4%
From 52W low
+27.2%
$15
$19
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

PROV stock analysis: one number for the whole business

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.

Where the model ranks itAs at 12 Sept 2026
92 / 100

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
Volatility
97
Momentum
80
Size
73
Accruals
68
Growth
67
Revisions
66
Value
66
Quality
17

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.

Wall Street

PROV stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PROV, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$14$15$16$17$18$19Oct 25Jan 26Apr 26Jul 26PROVHigh $19Median $19Low $18

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

What Wall Street says2 analysts
0 Buy2 Hold0 Sell
Low $18Median $19High $19

The green dot is the last close — the median target sits −0.7% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
3 Aug 2026Piper SandlerMaintainsNeutral$17 → $18
26 June 2026Piper SandlerAssumesNeutral$17
30 Oct 2025Piper SandlerMaintainsNeutral—
14 July 2025Piper SandlerAssumesNeutral$17
29 Jan 2025Piper SandlerMaintainsNeutral—
30 Oct 2024Piper SandlerMaintainsNeutral—
31 July 2024Piper SandlerMaintainsNeutral—
1 May 2024Piper SandlerMaintainsNeutral—
29 June 2023Piper SandlerAssumesNeutral$14
29 Jan 2021Janney CapitalDowngradeNeutral—
29 Jan 2021Janney Montgomery ScottDowngradeNeutral—
1 Oct 2020Piper SandlerMaintainsOverweight—
5 May 2020Piper SandlerUpgradeOverweight—
11 Feb 2020Piper SandlerInitiatesNeutral—
29 Jan 2020Janney CapitalUpgradeBuy—
29 Jan 2020Janney Montgomery ScottUpgradeBuy—
5 Feb 2019Fig PartnersUpgradeOutperform—
5 Feb 2019FIG PartnersUpgradeOutperform—
29 July 2016Keefe Bruyette & WoodsMaintainsMarket Perform—
29 July 2016Keefe, Bruyette & WoodsMaintainsMarket 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.

Market Radar

This page is one stock. Monday covers all of them.

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.

Free, every Monday. Unsubscribe any time.

Performance

PROV vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Provident Financial Holdings, Inc. returned +23.8% against +17.5% for the S&P 500, dividends included.

PROV vs S&P 500, last 12 monthsTotal return, rebased to 100
100105110115120125Oct 25Jan 26Apr 26Jul 26PROVS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

PROV analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
Analysts raising
1
Analysts cutting
0
Fundamentals

Provident Financial Holdings, Inc. (PROV) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
18.1×

Cheaper than 40% of US stocks

Price / sales
2.9×

Cheaper than 43% of US stocks

Price / book
0.9×

Cheaper than 75% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
10.3%

Higher than 53% of US stocks

Earnings growth (YoY)
34.3%

Higher than 68% of US stocks

Gross margin
—
Operating margin
29.0%

Higher than 87% of US stocks

Net margin
16.4%

Higher than 79% of US stocks

Returns & dividend
Return on equity
5.2%

Higher than 54% of US stocks

Return on assets
0.5%

Higher than 46% of US stocks

Dividend yield
3.0%

Higher than 64% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Provident Financial Holdings, Inc. (PROV) statistics: revenue, profit & scale

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 $116.1M and an enterprise value of $226.1M.

  • 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.

  • Shares outstanding: 6.3M.

  • Trailing P/E: 18.1×; forward P/E: 14.7× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.00%, paying out 54% of earnings.

  • Provident Financial Holdings, Inc. employs 95 people — $422K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

PROV vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
PROVProvident Financial Holdings, Inc.$116.1M
92
SFBCSound Financial Bancorp, Inc.$123.2M
47
UNBUnion Bankshares, Inc. (Vermont)$117.5M
33
BSBKBogota Financial Corp.$117.4M
62
BOTJBank of the James Financial Group, Inc.$124.8M
77
PNBKPatriot National Bancorp, Inc.$116.4M
14
WSBKWinchester Bancorp, Inc.$116.1M
25

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 →

News

Latest PROV news & analysis

Best Income Stocks to Buy for August 31st

Zacks Investment Research · 31 Aug 2026positive

On August 31, 2026, Zacks Investment Research included PROV along with VAC and TGT on its Zacks Rank #1 (Strong Buy) income stocks list. The announcement identifies these companies as top-ranked income stock picks as of that date.

Why it matters — A PROV watcher would care because the company's inclusion on a Zacks Strong Buy income stocks list signals positive analytical recognition for its income stock profile.

New Strong Buy Stocks for August 27th

Zacks Investment Research · 27 Aug 2026positive

On August 27th, 2026, Zacks Investment Research added Provident Financial Holdings, Inc. (PROV) to its Zacks Rank #1 (Strong Buy) List, along with NVST, VIRT, ONTO, and HMN. The company was newly included in this list of stocks rated Strong Buy by Zacks.

Why it matters — A PROV watcher would care because inclusion on Zacks' Strong Buy list signals a positive analyst assessment of the company's near-term prospects.

Best Income Stocks to Buy for August 27th

Zacks Investment Research · 27 Aug 2026positive

On August 27th, 2026, Zacks Investment Research included Provident Financial Holdings, Inc. (PROV) on its Zacks Rank #1 (Strong Buy) income stocks list, along with BMA and HMN. The designation came through a report titled "Best Income Stocks to Buy for August 27th."

Why it matters — The inclusion signals that Zacks ranked PROV among its top-scoring income stocks, which may draw attention to the company from investors focused on income.

Provident Financial Holdings, Inc. (PROV) Q4 2026 Earnings Call Transcript

Seeking Alpha · 29 July 2026neutral

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 Q4 Earnings Call Highlights

MarketBeat · 29 July 2026positive

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.

FAQ

Frequently asked questions about PROV stock

What is the PROV stock price forecast for 2026-2027?

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.

Is PROV stock a buy right now?

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 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank PROV?

As at 12 Sept 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).

Will PROV stock go up?

No one can know that. What the data says: the median 12-month target from 2 analysts implies -0.7% from the last close, and Ticker Nerd's factor model ranks Provident Financial Holdings, Inc. 92 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the PROV stock forecast for 2030?

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.

How has PROV stock performed over the past year?

Provident Financial Holdings, Inc. returned +23.8% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Provident Financial Holdings, Inc. do?

Provident Financial Holdings Inc. is a bank holding company that provides community banking and financial services through Provident Savings Bank, F.S.B.

What is the latest news on PROV?

The most recent item we track (Zacks Investment Research, 31 Aug 2026): "Best Income Stocks to Buy for August 31st". On August 31, 2026, Zacks Investment Research included PROV along with VAC and TGT on its Zacks Rank #1 (Strong Buy) income stocks list. The announcement identifies these companies as top-ranked income stock picks as of that date.

Company

About Provident Financial Holdings, Inc.

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