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Upturn AI SWOT - About
PROV 
Provident Financial Holdings Inc (PROV)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/15/2025: 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 35.54% | Avg. Invested days 58 | 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 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 102.54M USD | Price to earnings Ratio 16.72 | 1Y Target Price 16.25 |
Price to earnings Ratio 16.72 | 1Y Target Price 16.25 | ||
Volume (30-day avg) 2 | Beta 0.38 | 52 Weeks Range 12.75 - 16.25 | Updated Date 09/15/2025 |
52 Weeks Range 12.75 - 16.25 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.59% | Basic EPS (TTM) 0.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 16.72 | Forward PE 10.17 | Enterprise Value 263937936 | Price to Sales(TTM) 2.58 |
Enterprise Value 263937936 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 8.09 | Enterprise Value to EBITDA - | Shares Outstanding 6577040 | Shares Floating 4274154 |
Shares Outstanding 6577040 | Shares Floating 4274154 | ||
Percent Insiders 19.24 | Percent Institutions 48.48 |
Upturn AI SWOT
Provident Financial Holdings Inc
Company Overview
History and Background
Provident Financial Holdings, Inc. was founded to serve the financial needs of its community. Specific founding year and detailed milestones unavailable in provided context. It focuses on community banking in Southern California.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products. It includes real estate, construction and commercial lending.
Leadership and Structure
Information on specific leadership team members and organizational structure not available within the provided context. They operate under a traditional bank hierarchical structure.
Top Products and Market Share
Key Offerings
- Real Estate Loans: Residential and commercial real estate loans, serving the Southern California market. Market share data unavailable. Competitors include larger national and regional banks such as Wells Fargo (WFC), Bank of America (BAC), and U.S. Bancorp (USB).
- Commercial Loans: Loans to businesses for various purposes, such as working capital and equipment financing. Market share data unavailable. Competitors include larger national and regional banks such as Wells Fargo (WFC), Bank of America (BAC), and U.S. Bancorp (USB), and smaller community banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data unavailable. Competitors include larger national and regional banks such as Wells Fargo (WFC), Bank of America (BAC), and U.S. Bancorp (USB), and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and evolving customer preferences towards digital banking. Interest rate environment affects profitability.
Positioning
Provident Financial Holdings Inc positions itself as a community bank providing personalized service. Competitive advantages include local market knowledge and customer relationships. Disadvantages include less resources than larger banks.
Total Addressable Market (TAM)
TAM defined by the Southern California banking market, estimated at hundreds of billions of dollars. Provident is positioned as a small player with opportunity for growth within its niche.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Personalized customer service
Weaknesses
- Limited resources compared to larger banks
- Geographic concentration in Southern California
- Dependence on interest rate environment
Opportunities
- Expansion into new markets within Southern California
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn in Southern California
- Rising interest rates impact on loan demand
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- CMA
Competitive Landscape
Provident Financial Holdings Inc faces intense competition from larger national and regional banks with greater resources. Its advantage lies in its local focus and personalized service, but it must innovate to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs access to financial records.
Future Projections: Future projections requires research reports which are unavailable
Recent Initiatives: Recent initiatives requires information from investor relations, press releases.
Summary
Provident Financial Holdings Inc is a smaller community bank operating in a competitive market. Its strengths lie in its local presence and customer relationships, but it faces challenges from larger banks and a changing regulatory environment. Financial data and strategic initiatives are needed to provide a more robust assessment. To remain competitive, they should innovate in terms of online banking and other FinTech applications.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
Disclaimers:
The information provided is based on publicly available data and general industry knowledge. The analysis is for informational purposes only and should not be considered investment advice. Market share are estimated figures, actual may vary.
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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