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what it is
It takes local deposits, makes home and business loans, and sells some mortgages in Southern California.
how it gets paid
Last year Provident Finl Hldgs made $57M in revenue. net interest income was the main engine at $34M, or 60% of sales.
why it's growing
Revenue grew 3.5% last year. Latest-quarter revenue rose 101% vs. prior year and EPS rose 114% vs. prior year.
what just happened
Quarterly revenue jumped to $28M and EPS hit $0.47, which is a rare triple-digit growth print for a community bank.
At a glance
C++ balance sheet — some cracks in the foundation
75/100 earnings predictability — reasonably predictable
16.2x trailing p/e — the market's not buying it — or you found a deal
3.5% dividend yield — cash in your pocket every quarter
$0.93 fy2025 eps est
xvary composite: 49/100 — below average
What they do
It takes local deposits, makes home and business loans, and sells some mortgages in Southern California.
Provident wins the old way: local relationships in one market. It has 14 full-service offices across Riverside and San Bernardino counties, so your checking account can become a mortgage, escrow, or business loan without leaving town. Beta 0.55 versus the market's 1.0 means the stock swings less, which fits a bank built on routine, not drama.
How they make money
$57M
annual revenue · their business grew +3.5% last year
net interest income
$34M
mortgage banking
$11M
deposit fees
$5M
trustee and escrow services
$4M
other banking income
$3M
The products that matter
originates and services loans
Mortgage lending
$42.1M originated last quarter
it originated $42.1M of loans last quarter, up 42% from the prior quarter. That's encouraging, but the latest earnings miss says volume alone is not enough.
loan growth
takes deposits and earns the spread
Provident Savings Bank
3.03% margin
this is the core business. A 3.03% net interest margin means the bank keeps just over 3 cents of spread for every dollar of interest-earning assets. If that slips, the earnings model slips with it.
profit engine
returns capital to shareholders
Stock repurchase program
up to 5% of shares
the board authorized a buyback of up to 5% of shares in January 2026. For a $102M company, that matters more than a headline would suggest.
capital return
Key numbers
68%
debt/capital
Debt/capital → borrowed money as a share of funding → so what: at 68%, this bank has less cushion than a lightly levered lender.
$1.18B
total assets
This is a billion-dollar balance sheet run by 95 employees, which tells you the business is small in headcount but large in financial exposure.
3.5%
dividend yield
Yield → cash paid back to you each year → so what: you are being paid to wait, but only if credit stays clean.
16.2x
trailing p/e
P/E → how many dollars you pay for one dollar of profit → so what: this is not priced like a distressed bank.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 3 — safer than 50% of stocks
- price stability 100 / 100
- long-term debt $213M (68% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for PROV right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue jumped to $28M and EPS hit $0.47, which is a rare triple-digit growth print for a community bank.
Latest-quarter revenue rose 101% vs. prior year and EPS rose 114% vs. prior year, based on the SEC data provided. Against a $57M annual revenue base, one hot quarter changes the tone fast.
$28M
revenue
$0.47
eps
101%
revenue growth
the number that mattered
$28M mattered most because one quarter delivered nearly half of the company's $57M annual revenue base.
source: company earnings report, 2026
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What could go wrong
the #1 risk is net interest margin compression at Provident Savings Bank. This bank generated $8.7M of its $9.84M quarterly revenue from net interest income, so even a small squeeze on spread economics matters.
high
Net interest margin slips below 3%
A 3.03% margin is already doing most of the work. If funding costs rise faster than loan yields, your main earnings engine slows immediately.
88% of quarterly revenue currently comes from net interest income
med
Estimate misses become a habit
Last quarter missed on both revenue and EPS. One miss happens. A pattern would tell you management's operating assumptions are too optimistic or the local banking environment is softer than it looks.
EPS came in at $0.25 versus a $0.30 estimate
med
Capital return outruns earnings power
The 3.5% dividend and new 5% buyback both look shareholder-friendly. They look less friendly if quarterly net income stays around $1.44M and the bank still needs balance sheet flexibility.
dividend costs about $2M annually
low
Regional concentration
This is a Riverside-focused community bank, not a diversified national lender. If local housing or small-business demand softens, you feel it directly.
one region, one core banking franchise
a bank with $9.84M of quarterly revenue, $1.44M of net income, and $213M of long-term debt does not have much room for a margin mistake.
source: institutional data · regulatory filings · risk analysis
Pay attention to
core metric
net interest margin above 3%
3.03% is the line to watch. If it drops below 3% for two quarters, the earnings setup looks weaker than the valuation suggests.
next report
Q3 FY2026 earnings
You want to see whether the $42.1M of loan originations turns into cleaner revenue and EPS delivery next quarter.
operating trend
loan growth versus profit growth
Loan volume jumped 42% from the prior quarter. Net income still fell 15% sequentially. That gap is the key tension in the story.
capital discipline
5% buyback execution
Repurchases help only if they happen while the balance sheet stays intact. Watch the pace, not just the authorization headline.
Analyst rankings
earnings predictability
75 / 100
in human-speak, analysts think this bank is fairly understandable. The business model is simple. The earnings base is just small enough that quarter-to-quarter noise still matters.
price stability
100 / 100
the stock barely moves relative to most small caps. That tells you trading is calm. It does not tell you the underlying business is immune to pressure.
source: institutional data
Institutional activity
institutional ownership data for PROV is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$16
current price
n/a
target midpoint · n/a from current
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