Tearsheet

Provident Financial (PROV)


Market Price (6/22/2026): $16.95 | Market Cap: $107.9 MilSector: Financials | Industry: Regional Banks

Provident Financial (PROV)


Market Price (6/22/2026): $16.95
Market Cap: $107.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.1%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 6.9%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19%

Low stock price volatility
Vol 12M is 13%

Megatrend and thematic drivers
Megatrends include Financial Inclusion. Themes include Non-Standard Consumer Lending.

Trading close to highs
Dist 52W High is -2.4%, Dist 3Y High is -2.4%

Weak multi-year price returns
3Y Excs Rtn is -19%

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 117%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%, Rev Chg QQuarterly Revenue Change % is -2.4%

Key risks
PROV key risks include [1] borrower defaults on its loan portfolio, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.1%, Dividend Yield is 3.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 6.9%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19%
2 Low stock price volatility
Vol 12M is 13%
3 Megatrend and thematic drivers
Megatrends include Financial Inclusion. Themes include Non-Standard Consumer Lending.
4 Trading close to highs
Dist 52W High is -2.4%, Dist 3Y High is -2.4%
5 Weak multi-year price returns
3Y Excs Rtn is -19%
6 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 117%
7 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%, Rev Chg QQuarterly Revenue Change % is -2.4%
8 Key risks
PROV key risks include [1] borrower defaults on its loan portfolio, Show more.

PROV in ETFs

Weight = PROV's share of each fund

VTI0.00%
DFAS0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/1/2026

Provident Financial (PROV) stock has gained about 5% since 2/28/2026 because of the following key factors:

1. Provident Financial Holdings Inc. (PROV) demonstrated an improvement in its Net Interest Margin (NIM). In the third quarter of fiscal year 2026, ending March 31, 2026, the company reported a NIM of 3.13%, marking a 10 basis point increase from the sequential quarter and an 11 basis point rise year-over-year.

2. The company showcased improved asset quality during the period. Provident Financial Holdings Inc. reported a decrease in its non-performing assets to total assets ratio, which stood at 0.08% as of March 31, 2026, down from 0.11% at June 30, 2025.

Show more
Updated on 6/1/2026

Provident Financial (PROV) stock has gained about 5% since 2/28/2026 because of the following key factors:

1. Provident Financial Holdings Inc. (PROV) demonstrated an improvement in its Net Interest Margin (NIM). In the third quarter of fiscal year 2026, ending March 31, 2026, the company reported a NIM of 3.13%, marking a 10 basis point increase from the sequential quarter and an 11 basis point rise year-over-year.

2. The company showcased improved asset quality during the period. Provident Financial Holdings Inc. reported a decrease in its non-performing assets to total assets ratio, which stood at 0.08% as of March 31, 2026, down from 0.11% at June 30, 2025.

3. Consistent shareholder returns were reinforced with a declared quarterly cash dividend. Provident Financial Holdings, Inc. announced a quarterly cash dividend on April 23, 2026.

4. A significant technical indicator suggested potential for gains. The stock received a "Golden Star Signal" on March 31, 2026, a technical pattern often preceding periods of strong stock appreciation.

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Stock Movement Drivers

Fundamental Drivers

The 6.1% change in PROV stock from 2/28/2026 to 6/21/2026 was primarily driven by a 13.2% change in the company's P/E Multiple.
(LTM values as of)22820266212026Change
Stock Price ($)15.8716.846.1%
Change Contribution By: 
Total Revenues ($ Mil)3939-0.6%
Net Income Margin (%)16.7%15.5%-7.0%
P/E Multiple15.517.613.2%
Shares Outstanding (Mil)661.5%
Cumulative Contribution6.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/21/2026
ReturnCorrelation
PROV6.1% 
Market (SPY)9.2%17.7%
Sector (XLF)4.7%39.0%

Fundamental Drivers

The 11.7% change in PROV stock from 11/30/2025 to 6/21/2026 was primarily driven by a 7.3% change in the company's P/E Multiple.
(LTM values as of)113020256212026Change
Stock Price ($)15.0716.8411.7%
Change Contribution By: 
Total Revenues ($ Mil)39390.0%
Net Income Margin (%)15.4%15.5%1.0%
P/E Multiple16.417.67.3%
Shares Outstanding (Mil)763.1%
Cumulative Contribution11.7%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/21/2026
ReturnCorrelation
PROV11.7% 
Market (SPY)9.9%16.6%
Sector (XLF)1.3%33.2%

Fundamental Drivers

The 13.1% change in PROV stock from 5/31/2025 to 6/21/2026 was primarily driven by a 16.4% change in the company's P/E Multiple.
(LTM values as of)53120256212026Change
Stock Price ($)14.8916.8413.1%
Change Contribution By: 
Total Revenues ($ Mil)39390.2%
Net Income Margin (%)16.8%15.5%-7.5%
P/E Multiple15.117.616.4%
Shares Outstanding (Mil)764.9%
Cumulative Contribution13.1%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/21/2026
ReturnCorrelation
PROV13.1% 
Market (SPY)28.1%17.4%
Sector (XLF)6.7%35.2%

Fundamental Drivers

The 59.7% change in PROV stock from 5/31/2023 to 6/21/2026 was primarily driven by a 117.8% change in the company's P/E Multiple.
(LTM values as of)53120236212026Change
Stock Price ($)10.5416.8459.7%
Change Contribution By: 
Total Revenues ($ Mil)4039-2.8%
Net Income Margin (%)22.9%15.5%-32.1%
P/E Multiple8.117.6117.8%
Shares Outstanding (Mil)7611.2%
Cumulative Contribution59.7%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/21/2026
ReturnCorrelation
PROV59.7% 
Market (SPY)85.7%15.8%
Sector (XLF)77.0%20.1%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
PROV Return9%-14%-4%31%4%9%34%
Peers Return27%2%0%12%3%21%81%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
PROV Win Rate42%25%50%42%58%67% 
Peers Win Rate63%47%45%47%47%67% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
PROV Max Drawdown-13%-18%-24%-18%-16%-3% 
Peers Max Drawdown-21%-24%-39%-18%-22%-13% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: OCFC, FFBC, CATY, WSFS, UBSI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/18/2026 (YTD)

How Low Can It Go

EventPROVS&P 500
2025 US Tariff Shock
  % Loss-14.2%-18.8%
  % Gain to Breakeven16.5%23.1%
  Time to Breakeven73 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.2%-9.5%
  % Gain to Breakeven26.9%10.5%
  Time to Breakeven73 days24 days
2023 SVB Regional Banking Crisis
  % Loss-17.1%-6.7%
  % Gain to Breakeven20.6%7.1%
  Time to Breakeven67 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-17.1%-24.5%
  % Gain to Breakeven20.6%32.4%
  Time to Breakeven722 days427 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-15.1%-19.2%
  % Gain to Breakeven17.7%23.8%
  Time to Breakeven43 days105 days
2013 Taper Tantrum
  % Loss-10.2%-0.2%
  % Gain to Breakeven11.3%0.2%
  Time to Breakeven141 days1 days

Compare to OCFC, FFBC, CATY, WSFS, UBSI

In The Past

Provident Financial's stock fell -14.2% during the 2025 US Tariff Shock. Such a loss loss requires a 16.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventPROVS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.2%-9.5%
  % Gain to Breakeven26.9%10.5%
  Time to Breakeven73 days24 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-26.4%-15.4%
  % Gain to Breakeven35.8%18.2%
  Time to Breakeven118 days125 days
2008-2009 Global Financial Crisis
  % Loss-75.0%-53.4%
  % Gain to Breakeven300.6%114.4%
  Time to Breakeven1369 days1085 days
Summer 2007 Credit Crunch
  % Loss-23.2%-8.6%
  % Gain to Breakeven30.2%9.5%
  Time to Breakeven20 days47 days

Compare to OCFC, FFBC, CATY, WSFS, UBSI

In The Past

Provident Financial's stock fell -14.2% during the 2025 US Tariff Shock. Such a loss loss requires a 16.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Provident Financial (PROV)

Provident Financial Holdings, Inc. (PROV) operates as the holding company for Provident Savings Bank, F.S.B., a community bank primarily serving consumers and small to mid-sized businesses. The company focuses its operations within the Inland Empire region of Southern California, establishing itself as a local financial institution for its targeted market.

The bank's core products and services include a variety of deposit accounts such as checking, savings, money market, and time deposits. On the lending side, Provident Financial offers a comprehensive loan portfolio, including single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and various consumer loans to meet diverse customer needs.

In addition to traditional banking services, the company also provides investment services, offering products like annuities and mutual funds, and performs trustee services for real estate transactions. With 12 full-service offices in Riverside County and one in San Bernardino County, Provident Financial is deeply embedded in its local Southern California market, catering to residents and businesses in these areas.

AI Analysis | Feedback

It's like a very localized Wells Fargo or Bank of America, serving only the Inland Empire region of Southern California.

Imagine Chase Bank but operating solely in a few counties in Southern California, catering specifically to local consumers and small businesses.

AI Analysis | Feedback

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  • Deposit Accounts: Offers various accounts for individuals and businesses to save and manage their money, including checking, savings, money market, and time deposits.
  • Loan Products: Provides financing for a range of needs, such as residential mortgages, commercial real estate, construction, business, and consumer purposes.
  • Investment Services: Facilitates the sale of investment products like annuities and mutual funds to help clients grow their wealth.
  • Trustee Services: Acts as a neutral third party to hold assets for the benefit of others, particularly for real estate transactions.
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AI Analysis | Feedback

Provident Financial Holdings, Inc. (PROV) operates as a community bank primarily serving a broad base of customers rather than a few major named entities. Based on its description, the company's major customer categories are:

  1. Individual Consumers: These customers utilize a range of personal banking services including checking, savings, and money market accounts, time deposits, single-family mortgages, consumer loans, and investment products such as annuities and mutual funds.
  2. Small to Mid-Sized Businesses: This category encompasses businesses seeking commercial banking services, including checking, savings, and money market accounts, time deposits, commercial real estate loans, construction loans, and commercial business loans to support their operations and growth.
  3. Real Estate Investors and Developers: This group includes individuals and entities involved in real estate, who utilize specialized loan products such as multi-family loans, commercial real estate loans, and construction loans. They may also use the company's trustee services for real estate transactions.

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Donavon P. Ternes - President and Chief Executive Officer

Donavon P. Ternes became the President and Chief Executive Officer of Provident Financial Holdings, Inc. and Provident Savings Bank, F.S.B. on January 2, 2024. Prior to this role, he served as the Chief Financial Officer.

Peter C. Fan - Senior Vice President, Chief Financial Officer, and Corporate Secretary

Peter C. Fan was appointed Senior Vice President, Chief Financial Officer, and Corporate Secretary of Provident Financial Holdings, Inc. and Provident Savings Bank, F.S.B., effective May 12, 2025. His previous experience includes serving as Senior Vice President – Director of Finance and Treasury at Royal Business Bank since February 2024, and before that, as Senior Vice President – Finance at Pacific Western Bank from April 2014 to February 2024. Mr. Fan holds an MBA from UCLA and a Bachelor's in Accounting from USC, and is a Certified Public Accountant in California.

Craig G. Blunden - Chairman of the Board

Craig G. Blunden serves as the Chairman of the Board of Provident Financial Holdings, Inc. He previously held the positions of Chairman and Chief Executive Officer until January 2, 2024. He is also a Non-Executive Chairman at Provident Savings Bank FSB. His board memberships include the California Bankers Association, Monday Morning Group, and Western Bankers Association. Earlier in his career, Mr. Blunden was an Independent Director for the Federal Home Loan Bank of San Francisco and Chairman for the Greater Riverside Chambers of Commerce and the Western League Of Savings Institutions. He earned his undergraduate degree from San Diego State University and an MBA from the University of California.

David S. Weiant - Senior Vice President and Chief Lending Officer

David S. Weiant is the Senior Vice President and Chief Lending Officer of Provident Savings Bank, F.S.B.

Gwendolyn L. Wertz - Senior Vice President, Retail Banking Division

Gwendolyn L. Wertz joined Provident Savings Bank, F.S.B. as Senior Vice President of Retail Banking in February 2014. She possesses over 35 years of experience in financial institutions, predominantly in senior management roles. Before joining Provident, Ms. Wertz was with CommerceWest Bank, where she was responsible for commercial banking, treasury management, and specialty banking services. She also served at Opportunity Bank, N.A., leading the commercial treasury sales and service team.

AI Analysis | Feedback

The key risks to Provident Financial (symbol: PROV) are as follows:
  1. Interest Rate Risk: Fluctuations in interest rates represent the most significant risk to Provident Financial's net interest margin (NIM) and overall profitability. As a community bank, its earnings are highly sensitive to the difference between the interest it earns on loans and investments and the interest it pays on deposits. The Federal Reserve's path for the federal funds rate is a primary factor influencing the company's profitability, and community banks generally face challenges in managing interest rate risk, particularly in volatile or quickly rising rate environments, or with a flat yield curve. Provident Financial Holdings has experienced decreases in total deposits due to customers seeking higher interest rates, impacting its funding costs.
  2. Commercial Real Estate (CRE) Exposure and Concentration Risk: Provident Financial's loan portfolio includes commercial real estate, multi-family, and construction loans. Community banks in California, including those in Southern California, have a notable concentration of commercial real estate debt, which is a concern for regulators and investors. While Provident Financial Holdings' direct exposure to office building loans (a particularly challenged segment of CRE) was reported as manageable at 3.8% of its loans held for investment, the broader commercial real estate market downturn, especially in California, poses a risk due to potential declines in property values and increased defaults. An increase in nonperforming assets is a trend that demands close attention.
  3. Geographic Concentration and Natural Disaster Risk: Operating exclusively within the Inland Empire region of Southern California makes Provident Financial highly susceptible to local economic conditions and regional-specific events. The increasing frequency and severity of wildfires in Southern California pose a material risk to local communities and, consequently, to banks like Provident Financial. These events can lead to significant property damage, potential increases in mortgage defaults, and challenges related to insurance coverage, directly impacting the bank's loan portfolio and the economic vitality of its service areas. This geographic concentration heightens the impact of such events compared to more diversified institutions.

AI Analysis | Feedback

The proliferation of digital-only banks (neobanks) and fintech companies that offer banking services entirely online or via mobile applications. These competitors often provide superior user experience, lower fees, and more competitive rates without the overhead of physical branches, directly challenging Provident Financial's traditional branch-based community banking model and attracting customers who prioritize digital convenience.

The entry of large technology companies (Big Tech) into financial services. Companies like Apple, Google, and Amazon are leveraging their extensive user bases, data analytics capabilities, and integrated ecosystems to offer payment solutions, lending products, or even savings accounts. This could erode Provident Financial's customer relationships and market share by providing convenient, tech-driven alternatives that bypass traditional banking channels.

AI Analysis | Feedback

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Expected Drivers of Future Revenue Growth for Provident Financial (PROV)

Provident Financial Holdings, Inc. (NASDAQ: PROV), operating as Provident Savings Bank, F.S.B., a community bank serving Southern California, is expected to drive future revenue growth over the next 2-3 years through the following key areas:

  1. Growth in Targeted Loan Categories: The company continues to focus on and has shown increases in specific loan originations, particularly in single-family, construction, and commercial business loans. These efforts in expanding and managing its loan portfolio directly contribute to interest income, a primary component of revenue.
  2. Net Interest Margin (NIM) Expansion: Provident Financial Holdings has reported improvements in its net interest margin and anticipates continued expansion in future quarters. An expanding NIM indicates the bank is earning more on its interest-earning assets relative to the cost of its funding, thereby directly increasing net interest income and overall revenue.
  3. Prudent Loan Origination and Portfolio Management: While the company's strategy is centered on defending margins rather than rapid overall revenue growth, a disciplined approach to loan originations and effective management of its existing loan portfolio, particularly in profitable segments, will be crucial. This includes maintaining strong asset quality, which supports sustainable lending activities and prevents revenue erosion from non-performing assets.

AI Analysis | Feedback

Here's a summary of Provident Financial's (PROV) capital allocation decisions over the last 3-5 years:

Share Repurchases

  • In January 2026, the Board of Directors authorized a new stock repurchase program for up to 5% of the company's outstanding common stock, representing approximately 318,875 shares, effective January 23, 2026. This program superseded the January 2025 authorization. The estimated dollar value of this authorization is approximately $5.19 million, based on a stock price of $16.27 per share at the time.
  • In January 2025, the company's Board of Directors authorized a stock repurchase program allowing for the buyback of up to 334,773 shares, equating to 5% of its common stock, starting January 24, 2025. This program superseded a previous authorization from September 2023. The estimated dollar value of this authorization is approximately $5.45 million, using a proxy share price of $16.27.
  • During the fiscal year ended June 30, 2025, Provident Financial repurchased 285,170 shares of its common stock at an average cost of $15.04 per share, totaling approximately $4.29 million. As of June 30, 2025, 217,028 shares remained available for future purchase under the existing repurchase program.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can Provident Financial Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

PROVOCFCFFBCCATYWSFSUBSIMedian
NameProviden.OceanFir.First Fi.Cathay G.WSFS Fin.United B. 
Mkt Price16.8418.0331.6159.0974.1444.4238.02
Mkt Cap0.11.03.34.03.96.23.6
Rev LTM394069628451,0851,262903
Op Inc LTM-------
FCF LTM7106800363293521328
FCF 3Y Avg794463349235460292
CFO LTM8114831368298540333
CFO 3Y Avg8102488353244474299

Growth & Margins

PROVOCFCFFBCCATYWSFSUBSIMedian
NameProviden.OceanFir.First Fi.Cathay G.WSFS Fin.United B. 
Rev Chg LTM0.2%7.0%14.4%13.8%3.2%18.4%10.4%
Rev Chg 3Y Avg-0.9%-2.4%7.5%1.5%3.8%6.1%2.6%
Rev Chg Q-2.4%5.5%31.1%14.4%7.5%9.3%8.4%
QoQ Delta Rev Chg LTM-0.6%1.3%6.9%3.3%1.8%2.2%2.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM20.6%28.2%86.4%43.6%27.4%42.8%35.5%
CFO/Rev 3Y Avg20.8%25.6%54.2%44.8%23.3%42.3%33.9%
FCF/Rev LTM18.9%26.2%83.2%43.0%27.0%41.3%34.1%
FCF/Rev 3Y Avg18.6%23.6%51.4%44.2%22.4%41.0%32.3%

Valuation

PROVOCFCFFBCCATYWSFSUBSIMedian
NameProviden.OceanFir.First Fi.Cathay G.WSFS Fin.United B. 
Mkt Cap0.11.03.34.03.96.23.6
P/S2.72.53.44.73.64.93.5
P/Op Inc-------
P/EBIT-------
P/E17.614.711.811.912.712.312.5
P/CFO13.39.03.910.813.211.511.1
Total Yield9.1%6.8%11.5%10.8%8.8%11.6%9.9%
Dividend Yield3.4%0.0%3.0%2.4%1.0%3.4%2.7%
FCF Yield 3Y Avg7.6%9.5%18.1%11.5%7.7%8.9%9.2%
D/E1.71.40.30.00.10.10.2
Net D/E1.20.1-1.3-0.5-0.6-0.3-0.4

Returns

PROVOCFCFFBCCATYWSFSUBSIMedian
NameProviden.OceanFir.First Fi.Cathay G.WSFS Fin.United B. 
1M Rtn-2.3%-3.7%3.7%3.9%3.4%3.6%3.5%
3M Rtn5.9%4.2%19.4%24.4%16.9%13.2%15.1%
6M Rtn7.2%-8.5%22.3%18.8%29.8%13.3%16.0%
12M Rtn13.1%13.2%41.6%40.5%45.1%32.0%36.3%
3Y Rtn55.7%34.5%71.8%105.8%116.7%68.6%70.2%
1M Excs Rtn-2.9%-4.3%4.8%4.2%2.7%4.0%3.4%
3M Excs Rtn-8.1%-11.2%5.7%11.6%3.6%0.1%1.9%
6M Excs Rtn-3.9%-19.0%10.7%8.7%19.9%4.2%6.5%
12M Excs Rtn-12.0%-12.9%16.8%18.7%21.9%7.9%12.4%
3Y Excs Rtn-18.7%-47.7%-11.0%13.8%21.9%-16.3%-13.7%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking and financial services to individuals, businesses, and institutional clients3939413635
Total3939413635


Operating Income by Segment
$ Mil20152014201320122011
Provident Bank91310513
Provident Bank Mortgage8-2331310
Total1712431923


Net Income by Segment
$ Mil20252024201920182017
Banking and financial services to individuals, businesses, and institutional clients674  
Provident Bank   76
Provident Bank Mortgage   -5-1
Total67425


Assets by Segment
$ Mil20192018201720162015
Banking and financial services to individuals, businesses, and institutional clients1,085    
Provident Bank 1,0791,084982949
Provident Bank Mortgage 97117190 
Provident Bank Mortgage    225
Total1,0851,1761,2011,1711,175


Price Behavior

Price Behavior
Market Price$16.84 
Market Cap ($ Bil)0.1 
First Trading Date06/28/1996 
Distance from 52W High-2.4% 
   50 Days200 Days
DMA Price$16.83$15.87
DMA Trendupup
Distance from DMA0.0%6.1%
 3M1YR
Volatility10.2%12.7%
Downside Capture-14.2712.17
Upside Capture11.6523.05
Correlation (SPY)23.4%18.5%
PROV Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta0.070.290.240.230.250.24
Up Beta0.790.690.470.400.420.22
Down Beta0.030.020.180.230.140.30
Up Capture-12%20%23%25%19%8%
Bmk +ve Days13283667141432
Stock +ve Days10233559118350
Down Capture-21%-34%2%3%21%31%
Bmk -ve Days7132757109318
Stock -ve Days9142452105342

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with PROV
PROV11.8%12.8%0.62-
Sector ETF (XLF)8.3%14.6%0.3335.8%
Equity (SPY)26.5%12.4%1.6117.3%
Gold (GLD)24.2%27.5%0.774.2%
Commodities (DBC)19.8%18.8%0.83-8.0%
Real Estate (VNQ)11.0%13.7%0.5219.8%
Bitcoin (BTCUSD)-40.0%42.4%-1.087.4%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with PROV
PROV5.5%20.9%0.20-
Sector ETF (XLF)9.3%18.6%0.3722.6%
Equity (SPY)13.5%17.1%0.6216.6%
Gold (GLD)17.1%18.3%0.76-3.8%
Commodities (DBC)7.5%19.4%0.290.9%
Real Estate (VNQ)1.9%18.9%0.0012.4%
Bitcoin (BTCUSD)11.0%54.2%0.406.5%

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Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with PROV
PROV3.8%27.4%0.18-
Sector ETF (XLF)13.0%22.2%0.5443.4%
Equity (SPY)15.3%18.0%0.7335.0%
Gold (GLD)12.3%16.1%0.63-4.6%
Commodities (DBC)5.9%18.0%0.2614.3%
Real Estate (VNQ)5.3%20.7%0.2231.5%
Bitcoin (BTCUSD)60.0%66.8%1.0011.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.0 Mil
Short Interest: % Change Since 51520261.2%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest6.8 days
Basic Shares Quantity6.4 Mil
Short % of Basic Shares0.6%

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/28/20260.4%-0.6%0.7%
1/27/20260.6%0.2%0.7%
10/28/20250.6%-1.9%-1.9%
7/28/2025-0.2%0.6%2.0%
4/28/20251.3%3.4%3.2%
1/28/20251.2%-1.2%-3.2%
10/28/2024-0.3%-0.5%4.2%
7/29/2024-6.5%-3.3%1.4%
...
SUMMARY STATS   
# Positive15813
# Negative91611
Median Positive0.8%1.0%3.2%
Median Negative-1.1%-2.0%-3.2%
Max Positive7.8%5.9%13.1%
Max Negative-6.5%-7.1%-12.2%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/28/20260.4%-0.6%0.7%
1/27/20260.6%0.2%0.7%
10/28/20250.6%-1.9%-1.9%
7/28/2025-0.2%0.6%2.0%
4/28/20251.3%3.4%3.2%
1/28/20251.2%-1.2%-3.2%
10/28/2024-0.3%-0.5%4.2%
7/29/2024-6.5%-3.3%1.4%
4/29/20244.5%1.4%4.1%
1/29/20240.4%0.3%-4.7%
10/25/2023-4.0%-7.1%-11.2%
7/26/20230.8%-1.4%-4.9%
4/26/2023-0.1%-5.9%-12.2%
1/27/20230.4%0.6%-0.1%
10/25/2022-2.7%-3.4%4.3%
7/26/2022-0.4%-0.3%-1.2%
4/26/20220.0%-3.3%-6.5%
1/26/20220.8%-0.2%-1.5%
10/26/2021-1.1%-0.7%0.7%
7/28/2021-2.7%-3.1%-0.7%
4/27/20211.2%3.2%6.6%
1/28/20210.0%-2.1%1.4%
10/28/20200.8%-4.4%13.1%
7/28/20207.8%5.9%4.9%
SUMMARY STATS   
# Positive15813
# Negative91611
Median Positive0.8%1.0%3.2%
Median Negative-1.1%-2.0%-3.2%
Max Positive7.8%5.9%13.1%
Max Negative-6.5%-7.1%-12.2%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202502/06/202610-Q
09/30/202511/07/202510-Q
06/30/202508/29/202510-K
03/31/202505/08/202510-Q
12/31/202402/07/202510-Q
09/30/202411/07/202410-Q
06/30/202408/30/202410-K
03/31/202405/08/202410-Q
12/31/202302/08/202410-Q
09/30/202311/08/202310-Q
06/30/202309/05/202310-K
03/31/202305/05/202310-Q
12/31/202202/08/202310-Q
09/30/202211/04/202210-Q
06/30/202209/02/202210-K
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202502/06/202610-Q
09/30/202511/07/202510-Q
06/30/202508/29/202510-K
03/31/202505/08/202510-Q
12/31/202402/07/202510-Q
09/30/202411/07/202410-Q
06/30/202408/30/202410-K
03/31/202405/08/202410-Q
12/31/202302/08/202410-Q
09/30/202311/08/202310-Q
06/30/202309/05/202310-K
03/31/202305/05/202310-Q
12/31/202202/08/202310-Q
09/30/202211/04/202210-Q
06/30/202209/02/202210-K
03/31/202205/06/202210-Q
12/31/202102/08/202210-Q
09/30/202111/05/202110-Q
06/30/202109/03/202110-K
03/31/202105/07/202110-Q
12/31/202002/08/202110-Q
09/30/202011/06/202010-Q
06/30/202009/04/202010-K
03/31/202005/08/202010-Q
12/31/201902/10/202010-Q
09/30/201911/08/201910-Q
06/30/201908/30/201910-K

Insider Activity

Updated 6/9/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Weiant, DavidSenior Vice PresidentDirectSell609202617.001,01217,204151,419Form
2Weiant, DavidSenior Vice PresidentDirectSell605202617.101,00017,100169,615Form
3Weiant, DavidSenior Vice PresidentDirectSell602202616.923,00050,760184,749Form
4Wertz, GwendolynSenior Vice PresidentDirectSell1113202515.644,80075,072321,199Form
5Wertz, GwendolynSenior Vice PresidentDirectSell610202515.401,94029,876390,190Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Weiant, DavidSenior Vice PresidentDirectSell609202617.001,01217,204151,419Form
2Weiant, DavidSenior Vice PresidentDirectSell605202617.101,00017,100169,615Form
3Weiant, DavidSenior Vice PresidentDirectSell602202616.923,00050,760184,749Form
4Wertz, GwendolynSenior Vice PresidentDirectSell1113202515.644,80075,072321,199Form
5Wertz, GwendolynSenior Vice PresidentDirectSell610202515.401,94029,876390,190Form
Core Cache Last Updated: 6/21/2026