Provident Financial Inc.

PROV | NASDAQ

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$18.62

+$0.01 (+0.05%)

At close: Sep 21, 2026, 4:00 PM ET

$18.62

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $116.38M

Enterprise Value $135.03M

Beta 0.32

Average Volume 9.08K

Shares Outstanding (Diluted) 6.45M

Shares Change YoY -3.1%

Institutional Ownership 50.27%

Exchange NASDAQ

ISIN US7438681014

Price Performance

Price Change 1M 2.6%

Price Change 3M 8.8%

Price Change 6M 15.3%

Price Change YTD 16.5%

Price Change 1Y 19.4%

Price Change 3Y 44.8%

Price Change 5Y 9.6%

1M CAGR (ann.) 3.9%

1Y CAGR (ann.) 23.7%

5Y CAGR (ann.) 6.0%

All-Time CAGR 0.5%

Valuation

PE Ratio 18.25

Forward PE 13.42

PEG Ratio 1.89

Forward PEG -3.24

PS Ratio 2.45

Forward PS 2.80

PB Ratio 0.92

P/FCF Ratio 15.27

P/Adj. FCF Ratio 16.32

P/OCF Ratio 13.21

EV/Sales 2.84

EV/EBIT 14.01

EV/EBITDA 10.68

EV/FCF 17.70

Earnings Yield 5.5%

FCF Yield 6.5%

Adj. FCF Yield 6.1%

Financial Health

Net Debt $18.59M

Total Debt $157.05M

Cash & Short-Term Investments $138.46M

Total Assets $1.21B

Current Ratio 0.48

Quick Ratio 0.48

Debt / Equity Ratio 1.24

Debt / EBITDA 12.43

Debt / FCF 20.59

OCF / Debt 0.05

Interest Coverage 0.49

Altman Z-Score 0.32

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 68.1%

Operating Profit Margin 20.3%

EBITDA Margin 21.2%

Net Profit Margin 11.2%

FCF Margin 16.0%

Adj. FCF Margin 15.0%

SBC / Revenue 0.6%

SBC Impact (per share) -6.4%

Returns

Return on Assets 0.6%

Return on Equity 5.2%

Return on Invested Capital 0.6%

Return on Capital Employed 0.9%

Return on Tangible Assets 0.6%

Historical Growth (CAGR)

Revenue CAGR 3Y -1.7%

Revenue CAGR 5Y 3.6%

Revenue CAGR 10Y -4.6%

EPS CAGR 3Y -5.5%

EPS CAGR 5Y 0.2%

EPS CAGR 10Y 1.1%

FCF CAGR 3Y -21.0%

FCF CAGR 5Y -9.8%

FCF CAGR 10Y -24.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 26, 2026

EPS Estimate (next Q) $0.32

EPS Growth Est (next Q) 28.0%

Revenue Est (next Q) $10.3M

Revenue Growth Est (next Q) 5.7%

Fair Value Estimates

Graham Number $21.33

Graham Upside 14.6%

Lynch Fair Value $5.10

Lynch Upside -72.6%

Price Target $18

Price Target Upside -3.3%

Cash Flow

Operating Cash Flow $8.09M

Free Cash Flow $7.63M

Adj. Free Cash Flow $7.14M

FCF Per Share $1.38

OCF Per Share $1.41

OCF/S Ratio 15.0%

Income Statement

Revenue $47.57M

Gross Profit $33.09M

Operating Income $9.64M

EBITDA $12.64M

Net Income $6.66M

EPS (Diluted) $1.02

Revenue / Employee $339.76K

Profit / Employee $47.54K

Employees 140

Dividends

Annual Dividend $0.56

Dividend Yield 3.01%

Payout Ratio 54.9%

FCF Payout Ratio 47.8%

Adj. FCF Payout Ratio 51.0%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 12, 2026