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Upturn AI SWOT - About
PROV 
Provident Financial Holdings Inc (PROV)
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Upturn Advisory Summary
10/24/2025: PROV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $16.25
1 Year Target Price $16.25
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.15% | Avg. Invested days 64 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 103.08M USD | Price to earnings Ratio 17.04 | 1Y Target Price 16.25 |
Price to earnings Ratio 17.04 | 1Y Target Price 16.25 | ||
Volume (30-day avg) 2 | Beta 0.38 | 52 Weeks Range 12.75 - 16.25 | Updated Date 10/25/2025 |
52 Weeks Range 12.75 - 16.25 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 3.55% | Basic EPS (TTM) 0.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When Before Market | Estimate 0.29 | Actual - |
Profitability
Profit Margin 15.77% | Operating Margin (TTM) 23.11% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 4.84% |
Valuation
Trailing PE 17.04 | Forward PE 10.17 | Enterprise Value 265911056 | Price to Sales(TTM) 2.6 |
Enterprise Value 265911056 | Price to Sales(TTM) 2.6 | ||
Enterprise Value to Revenue 8.12 | Enterprise Value to EBITDA - | Shares Outstanding 6503511 | Shares Floating 4283230 |
Shares Outstanding 6503511 | Shares Floating 4283230 | ||
Percent Insiders 19.89 | Percent Institutions 48.75 |
Upturn AI SWOT
Provident Financial Holdings Inc
Company Overview
History and Background
Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.S.B. founded to serve the financial needs of the Inland Empire region of Southern California.
Core Business Areas
- Community Banking: Provident Savings Bank provides a range of financial services including deposit accounts, loans, and other banking products to individuals and businesses in Southern California.
Leadership and Structure
Craig G. Blunden serves as the Chairman and CEO. Organizational structure involves a board of directors and executive management overseeing various departments within Provident Savings Bank.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Focuses on providing loans for commercial properties. Competitors include other regional banks and national lenders. Market share data is not readily available due to the highly fragmented nature of the market.
- Residential Mortgage Loans: Offers mortgage products to individuals. Competitors include large national banks, credit unions, and mortgage companies. Market share data is not readily available due to the highly fragmented nature of the market.
- Deposit Accounts: Various deposit account products including checking, savings, money market and certificates of deposit.
Market Dynamics
Industry Overview
The banking industry is currently impacted by interest rate fluctuations, regulatory changes, and increasing competition from non-traditional financial institutions. The Southern California market is very competitive.
Positioning
Provident Financial Holdings, Inc. positions itself as a community-focused bank offering personalized service. Their advantages include local market knowledge and established customer relationships.
Total Addressable Market (TAM)
The total addressable market includes all banking services within the Inland Empire region. Provident Financial Holdings, Inc.'s position in relation to TAM is relatively small, indicating significant room for growth.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Conservative lending practices
- Strong capital position
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on interest rate environment
- Potential challenges in attracting younger demographics
Opportunities
- Expansion into new geographic areas
- Increased adoption of digital banking services
- Growth in commercial real estate lending
- Acquisition of smaller community banks
- Increasing market share in existing footprint
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturn in Southern California
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BANC (BancorpSouth Bank)
- CMA (Comerica Incorporated)
- TCBI (TCBI Financial Corp)
Competitive Landscape
Provident Financial Holdings, Inc. faces competition from larger national and regional banks with greater resources. Its advantages include local knowledge and personalized service. Disadvantages are the scale limitation compared to the giants of the industry.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to specific financial data over the past years.
Future Projections: Future growth projections based on analyst estimates requires specific analyst data.
Recent Initiatives: Recent initiatives include expansion into new markets, implementation of new technologies, and enhanced customer service programs.
Summary
Provident Financial Holdings Inc. is a small community bank with a strong local presence. Their personalized customer service and deep understanding of the region are key advantages. They should lookout for the competition from larger banks. The bank is moderately strong given its niche market and conservative lending practices.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market reports, News articles
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Provident Financial Holdings Inc
Exchange NASDAQ | Headquaters Riverside, CA, United States | ||
IPO Launch date 1996-06-28 | President & CEO Mr. Donavon P. Ternes | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 95 | Website https://www.myprovident.com |
Full time employees 95 | Website https://www.myprovident.com | ||
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
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