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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
08/28/2025: PROV (1-star) is currently NOT-A-BUY. Pass it for now.
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 35.97% | Avg. Invested days 71 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 102.02M USD | Price to earnings Ratio 16.68 | 1Y Target Price 16.25 |
Price to earnings Ratio 16.68 | 1Y Target Price 16.25 | ||
Volume (30-day avg) 2 | Beta 0.35 | 52 Weeks Range 12.75 - 16.25 | Updated Date 08/29/2025 |
52 Weeks Range 12.75 - 16.25 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.64% | 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) 24.97% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 4.84% |
Valuation
Trailing PE 16.68 | Forward PE 10.17 | Enterprise Value 262003408 | Price to Sales(TTM) 2.57 |
Enterprise Value 262003408 | Price to Sales(TTM) 2.57 | ||
Enterprise Value to Revenue 8.06 | Enterprise Value to EBITDA - | Shares Outstanding 6577720 | Shares Floating 4289988 |
Shares Outstanding 6577720 | Shares Floating 4289988 | ||
Percent Insiders 19.23 | Percent Institutions 48.48 |
Upturn AI SWOT
Provident Financial Holdings Inc
Company Overview
History and Background
Provident Financial Holdings, Inc. was formed in 2007. The Company serves the Inland Empire region of Southern California. It operates through its subsidiary, Provident Savings Bank, F.S.B.
Core Business Areas
- Community Banking: Provident Savings Bank, F.S.B. offers a range of banking products and services to individuals and businesses in the Inland Empire region. This includes deposit accounts, loans, and other financial services.
Leadership and Structure
Key leadership includes Craig G. Blunden (Chairman and CEO). The company operates with a standard corporate structure including a board of directors and various management teams.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Provident Savings Bank provides checking, savings, and money market accounts. Data on market share is not readily available. Competitors include larger national and regional banks like Bank of America, Wells Fargo, and U.S. Bank as well as smaller community banks.
- Loans: Provident Savings Bank offers commercial real estate loans, construction loans, and other types of loans to businesses and individuals. Data on market share is not readily available. Competitors include other banks and credit unions offering similar loan products.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and heightened competition from non-bank financial institutions.
Positioning
Provident Financial Holdings Inc positions itself as a community bank focusing on personalized service and local market expertise, providing an advantage over larger national banks in serving the Inland Empire market.
Total Addressable Market (TAM)
The TAM is defined by the banking needs within the Inland Empire. Specific market value is not readily available, but Provident Financial's focus provides a niche within this region.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher operating costs due to small size
Opportunities
- Expanding product offerings
- Acquiring other community banks
- Increasing market share in existing markets
- Leveraging technology for efficiency
Threats
- Increased competition from larger banks
- Economic downturn in the Inland Empire
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BofA (BAC)
- WFC (WFC)
- USB (USB)
Competitive Landscape
Provident Financial Holdings competes with larger national banks, regional banks, and other community banks. Its advantage lies in its local focus and personalized service, but it faces disadvantages in terms of scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not readily available and would require analyzing revenue, net income, and asset growth over the past years.
Future Projections: Future projections are not readily available and would require consulting analyst estimates. However, growth is generally expected to be moderate, consistent with community bank growth.
Recent Initiatives: Recent initiatives are not readily available and would require consulting company press releases and financial reports. These may include new branch openings or technology upgrades.
Summary
Provident Financial Holdings is a small community bank focused on serving the Inland Empire. Its strengths lie in local knowledge and personalized service, but it faces challenges from larger competitors and economic conditions. The company's growth potential is tied to its ability to expand product offerings and capitalize on opportunities within its market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics may be estimates based on available data and may not be precise. Investment decisions should be made based on independent research and consultation with a qualified financial advisor.
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 - | Website https://www.myprovident.com |
Full time employees - | Website https://www.myprovident.com | ||
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company's deposit products include checking, savings, and money market and time deposit accounts; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
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