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Upturn AI Summary - About
Provident Financial Holdings Inc(PROV)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PROV
09/24/2026: PROV (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Provident Financial Holdings is a regional bank holding company serving California's Inland Empire with a focus on retail deposits and mortgage lending. The company is known for its conservative underwriting and long-standing community relationships, which provide a stable core deposit base. Its primary growth opportunity lies in modernizing its digital platforms to compete more effectively and expanding its commercial lending activities. However, the company faces risks from geographic concentration in California real estate and heightened competition from larger, more technologically advanced financial institutions. It may best suit dividend-oriented investors seeking stable, locally-focused banking exposure, though they should monitor interest rate trends closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank rather than a high-growth tech or emerging industry player. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and lacks the rapid price appreciation sought by momentum investors. |
| Value investor | Mixed fit | The stock may appeal to value investors looking for steady book value and dividend income, provided valuation multiples remain attractive. |
| Dividend investor | Strong fit | Consistent dividend payouts make this a suitable candidate for income-oriented portfolios. |
| Low-risk investor | Mixed fit | While regional banks are generally stable, interest rate and regional real estate risks prevent it from being a pure low-risk asset. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are subject to fluctuations based on interest rate announcements and economic data. |
| Valuation risk | Low | The stock is typically valued based on tangible book value and earnings, which provides a level of downside support. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from larger banks and fintechs limits pricing power. |
| Business quality | Medium | The bank has a stable history but operates with limited geographic and product diversification. |
| Dividend income | Medium | Dividend sustainability depends on consistent net interest income. |
| Execution risk | Medium | Success relies on effective management of loan portfolios and regulatory compliance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 48.31% | Avg. Invested days 78 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 114.52M USD | Price to earnings Ratio 17.84 | 1Y Target Price 18.5 |
Price to earnings Ratio 17.84 | 1Y Target Price 18.5 | ||
Volume (30-day avg) 18.1K shares | Beta 0.32 | 52 Weeks Range 14.53 - 18.99 | Updated Date 09/24/2026 |
52 Weeks Range 14.53 - 18.99 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 3.05% | Basic EPS (TTM) 1.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage, commercial, and consumer loans minus interest paid on deposits. | The bank makes money by earning more on loans than it pays to depositors. |
| Fee-based Income | Service charges on deposit accounts and mortgage banking fees. | Small supplementary income from banking services and loan processing. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 17.84 | Forward PE 10.17 | Enterprise Value 224.46M | Price to Sales(TTM) 2.82 |
Enterprise Value 224.46M | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 6.81 | Enterprise Value to EBITDA - | Shares Outstanding 6.23M | Shares Floating 4.22M |
Shares Outstanding 6.23M | Shares Floating 4.22M | ||
Percent Insiders 20.91 | Percent Institutions 51.24 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Provident Financial Holdings Inc
Exchange NASDAQ | Headquarters Riverside, CA, United States | ||
IPO Launch date 1996-06-28 | President, CEO & Director 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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