Provident Financial Holdings Inc. (PROV) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Provident Financial Holdings Inc. (NASDAQ: PROV) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $18.17 (0.00% 1D, market cap $112.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, PROV ranks #289 in composite RQD confidence.
Within the Financials sector (Savings Institutions), PROV carries a Roarable C (64/100 RQD), trailing P/E of 18.0x, gross margin of —, and ROIC of 4.9%. By comparison, SFBC (Sound Financial Bancorp Inc.) holds a C grade (65/100 RQD, P/E 16.1x, ROIC 6.5%, cap $115.6M) and BYFC (Broadway Financial Corporation (Class A)) posts a D- grade (37/100 RQD, P/E N/A, ROIC -9.4%, cap $106.3M). Among the 5-stock peer group, SFBC leads on earnings multiple (16.1x) while SFBC leads on capital efficiency (6.5% ROIC).
Per PROV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001010470), Provident Financial Holdings Inc. generated $515.7M in revenue (-2.2% YoY), $6.3M in net income, and $8.2M in free cash flow against $1.23B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 46.4 (NEUTRAL RANGE)
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
Even with a 64/100 (C) score, PROV faces multiple-compression risk if 18.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.34) or 200D SMA ($17.23) invalidates the momentum regime and cuts Target Base ($18.66) toward Bear Floor ($14.55).
Provident Financial Holdings Inc. (PROV) slipped 0.00% to $18.17, trading at 80% of its 52-week range ($14.95 – $18.99). Solid steady margins (5% return on capital), mixed timing at 18x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Provident Financial (NASDAQ:PROV) reported modest loan growth in its fiscal first quarter of 2027, supported by lower loan payoff activity and stable origination pipelines, while management said it expects seasonal facto
Provident Financial Holdings, Inc. (PROV) Q1 2027 Earnings Call October 28, 2026 12:00 PM EDTCompany ParticipantsDonavon Ternes - President, CEO &...
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -2.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PROV today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PROV. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Provident Financial Holdings Inc. (PROV) ranks #289 by composite RQD confidence (64/100, grade C) and #948 by equity capitalization ($112.6M). Within this direct 5-issuer industry benchmark cohort, SFBC leads on earnings valuation at 16.1x trailing P/E, while SFBC leads on capital efficiency and profitability with 6.5% ROIC and — gross margin. SFBC currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with PROV at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PROV
ACTIVE
Provident Financial Holdings Inc. | C | 64/100 | 18.0x | — | 4.9% | 0.00% | $112.6M | Benchmark Subject |
| SFBC Sound Financial Bancorp Inc. | C | 65/100 | 16.1x | — | 6.5% | -1.71% | $115.6M | /sfbc-vs-prov → |
| BYFC Broadway Financial Corporation (Class A) | D- | 37/100 | — | — | -9.4% | +1.66% | $106.3M | /byfc-vs-prov → |
| RVSB Riverview Bancorp Inc | D+ | 58/100 | — | — | -2.6% | +1.17% | $121.2M | /rvsb-vs-prov → |
| FDSB Fifth District Bancorp Inc. | D+ | 58/100 | 22.3x | — | 3.2% | 0.00% | $92.0M | /fdsb-vs-prov → |
In its most recent audited fiscal period (FY2025, filed 2025-06-30), Provident Financial Holdings Inc. (PROV) reported GAAP revenue of $515.7M (-2.2% vs. FY2024 revenue of $527.1M , and +731.3% cumulative change since FY2023) , GAAP net income of $6.3M, operating cash flow of $8.7M, and free cash flow of $8.2M (+99.1% YoY). On the balance sheet, PROV closed FY2025 with $1.23B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-06-30 | $515.7M | $6.3M | $8.7M | $8.2M | $1.23B | — |
| FY2024 (FY) | 2024-06-30 | $527.1M | $7.4M | $5.7M | $4.1M | $1.25B | — |
| FY2023 (FY) | 2023-06-30 | $62.0M | $8.6M | $16.3M | $16.3M | — | — |
As of 2026-11-03, Provident Financial Holdings Inc. (NASDAQ: PROV) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $18.17 (0.00% 1D, market cap $112.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, PROV ranks #289 in composite RQD confidence.
Within the Financials sector (Savings Institutions), PROV carries a Roarable C (64/100 RQD), trailing P/E of 18.0x, gross margin of —, and ROIC of 4.9%. By comparison, SFBC (Sound Financial Bancorp Inc.) holds a C grade (65/100 RQD, P/E 16.1x, ROIC 6.5%, cap $115.6M) and BYFC (Broadway Financial Corporation (Class A)) posts a D- grade (37/100 RQD, P/E N/A, ROIC -9.4%, cap $106.3M). Among the 5-stock peer group, SFBC leads on earnings multiple (16.1x) while SFBC leads on capital efficiency (6.5% ROIC).
Per PROV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001010470), Provident Financial Holdings Inc. generated $515.7M in revenue (-2.2% YoY), $6.3M in net income, and $8.2M in free cash flow against $1.23B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
PROV last traded at $18.17 (0.00% on volume of 20,710 shares), positioning the stock -0.93% below its 50-day simple moving average ($18.34) and +5.46% above its 200-day simple moving average ($17.23). Across its 52-week range of $14.95 to $18.99, PROV sits at the 79.7% percentile with a 14-day RSI of 46.4 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($17.84 to $18.50).
Provident Financial Holdings Inc. (PROV) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $18.17 (0.00% 1D, market capitalization $112.6M).
Provident Financial Holdings Inc. (PROV) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry. The profile describes the company as operating in Savings Institutions with a market capitalization of $0.1B. — Products, customer segments, and revenue model are not described in the source data.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Provident Financial Holdings Inc. (PROV) reported $515.7M in annual revenue (up from $527.1M in FY2024, -2.2% YoY) and $6.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($62.0M revenue, $8.6M net income) through FY2025, PROV scaled operating cash flow to $8.7M and free cash flow to $8.2M, backed by $1.23B in total assets against $0 in total debt.
Sector and industry context is limited to Financials and Savings Institutions.
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Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Holdings Inc. (PROV) market action, institutional positioning, and fundamental catalysts.
Long PROV at $18.17 targeting $21.80. Insider conviction scores 15/20 and a 7.23% FCF yield plus a new 5% repurchase plan give the stock a cash-return tailwind.. Institutional whale score is 10/20 and the risk/reward vs. the $14.95 52-week low is skewed heavily in favor of bulls.
Both sides have a point here — PROV's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.
I respect the product at Provident Financial Holdings Inc., but the stock at $18.17 is a different story. Net income has fallen from $8.6M to $6.3M over two years, with ROIC at only 4.9% and Piotroski at 4/9.. FCF yield is 7.23% and RQD sits at 64/100 (C) — why pay up here when you can wait for next quarter's numbers?
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