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): $16.95Market Cap: $107.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal 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 generationCFO/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 volatilityVol 12M is 13% Megatrend and thematic driversMegatrends include Financial Inclusion. Themes include Non-Standard Consumer Lending. | Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% Weak multi-year price returns3Y Excs Rtn is -19% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 117% Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%, Rev Chg QQuarterly Revenue Change % is -2.4% Key risksPROV key risks include [1] borrower defaults on its loan portfolio, Show more. |
| Attractive yieldTotal 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 generationCFO/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 volatilityVol 12M is 13% |
| Megatrend and thematic driversMegatrends include Financial Inclusion. Themes include Non-Standard Consumer Lending. |
| Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% |
| Weak multi-year price returns3Y Excs Rtn is -19% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 117% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%, Rev Chg QQuarterly Revenue Change % is -2.4% |
| Key risksPROV key risks include [1] borrower defaults on its loan portfolio, Show more. |
Qualitative Assessment
AI Analysis | Feedback
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
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.
Show less
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) | 2282026 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.87 | 16.84 | 6.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 39 | 39 | -0.6% |
| Net Income Margin (%) | 16.7% | 15.5% | -7.0% |
| P/E Multiple | 15.5 | 17.6 | 13.2% |
| Shares Outstanding (Mil) | 6 | 6 | 1.5% |
| Cumulative Contribution | 6.1% |
Market Drivers
2/28/2026 to 6/21/2026| Return | Correlation | |
|---|---|---|
| PROV | 6.1% | |
| 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) | 11302025 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.07 | 16.84 | 11.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 39 | 39 | 0.0% |
| Net Income Margin (%) | 15.4% | 15.5% | 1.0% |
| P/E Multiple | 16.4 | 17.6 | 7.3% |
| Shares Outstanding (Mil) | 7 | 6 | 3.1% |
| Cumulative Contribution | 11.7% |
Market Drivers
11/30/2025 to 6/21/2026| Return | Correlation | |
|---|---|---|
| PROV | 11.7% | |
| 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) | 5312025 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.89 | 16.84 | 13.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 39 | 39 | 0.2% |
| Net Income Margin (%) | 16.8% | 15.5% | -7.5% |
| P/E Multiple | 15.1 | 17.6 | 16.4% |
| Shares Outstanding (Mil) | 7 | 6 | 4.9% |
| Cumulative Contribution | 13.1% |
Market Drivers
5/31/2025 to 6/21/2026| Return | Correlation | |
|---|---|---|
| PROV | 13.1% | |
| 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) | 5312023 | 6212026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.54 | 16.84 | 59.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 40 | 39 | -2.8% |
| Net Income Margin (%) | 22.9% | 15.5% | -32.1% |
| P/E Multiple | 8.1 | 17.6 | 117.8% |
| Shares Outstanding (Mil) | 7 | 6 | 11.2% |
| Cumulative Contribution | 59.7% |
Market Drivers
5/31/2023 to 6/21/2026| Return | Correlation | |
|---|---|---|
| PROV | 59.7% | |
| Market (SPY) | 85.7% | 15.8% |
| Sector (XLF) | 77.0% | 20.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PROV Return | 9% | -14% | -4% | 31% | 4% | 9% | 34% |
| Peers Return | 27% | 2% | 0% | 12% | 3% | 21% | 81% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 98% |
Monthly Win Rates [3] | |||||||
| PROV Win Rate | 42% | 25% | 50% | 42% | 58% | 67% | |
| Peers Win Rate | 63% | 47% | 45% | 47% | 47% | 67% | |
| S&P 500 Win Rate | 75% | 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
| Event | PROV | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -14.2% | -18.8% |
| % Gain to Breakeven | 16.5% | 23.1% |
| Time to Breakeven | 73 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.2% | -9.5% |
| % Gain to Breakeven | 26.9% | 10.5% |
| Time to Breakeven | 73 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -17.1% | -6.7% |
| % Gain to Breakeven | 20.6% | 7.1% |
| Time to Breakeven | 67 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -17.1% | -24.5% |
| % Gain to Breakeven | 20.6% | 32.4% |
| Time to Breakeven | 722 days | 427 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -15.1% | -19.2% |
| % Gain to Breakeven | 17.7% | 23.8% |
| Time to Breakeven | 43 days | 105 days |
| 2013 Taper Tantrum | ||
| % Loss | -10.2% | -0.2% |
| % Gain to Breakeven | 11.3% | 0.2% |
| Time to Breakeven | 141 days | 1 days |
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.
| Event | PROV | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.2% | -9.5% |
| % Gain to Breakeven | 26.9% | 10.5% |
| Time to Breakeven | 73 days | 24 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -26.4% | -15.4% |
| % Gain to Breakeven | 35.8% | 18.2% |
| Time to Breakeven | 118 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -75.0% | -53.4% |
| % Gain to Breakeven | 300.6% | 114.4% |
| Time to Breakeven | 1369 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -23.2% | -8.6% |
| % Gain to Breakeven | 30.2% | 9.5% |
| Time to Breakeven | 20 days | 47 days |
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
- 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.
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:
- 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.
- 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.
- 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.
AI Analysis | Feedback
AI Analysis | Feedback
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
- 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.
- 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.
- 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
AI Analysis | Feedback
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:
- 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.
- 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.
- 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
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
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Provident Financial Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 38.02 |
| Mkt Cap | 3.6 |
| Rev LTM | 903 |
| Op Inc LTM | - |
| FCF LTM | 328 |
| FCF 3Y Avg | 292 |
| CFO LTM | 333 |
| CFO 3Y Avg | 299 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.4% |
| Rev Chg 3Y Avg | 2.6% |
| Rev Chg Q | 8.4% |
| QoQ Delta Rev Chg LTM | 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 LTM | 35.5% |
| CFO/Rev 3Y Avg | 33.9% |
| FCF/Rev LTM | 34.1% |
| FCF/Rev 3Y Avg | 32.3% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking and financial services to individuals, businesses, and institutional clients | 39 | 39 | 41 | 36 | 35 |
| Total | 39 | 39 | 41 | 36 | 35 |
| $ Mil | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|
| Provident Bank | 9 | 13 | 10 | 5 | 13 |
| Provident Bank Mortgage | 8 | -2 | 33 | 13 | 10 |
| Total | 17 | 12 | 43 | 19 | 23 |
| $ Mil | 2025 | 2024 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|
| Banking and financial services to individuals, businesses, and institutional clients | 6 | 7 | 4 | ||
| Provident Bank | 7 | 6 | |||
| Provident Bank Mortgage | -5 | -1 | |||
| Total | 6 | 7 | 4 | 2 | 5 |
| $ Mil | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|
| Banking and financial services to individuals, businesses, and institutional clients | 1,085 | ||||
| Provident Bank | 1,079 | 1,084 | 982 | 949 | |
| Provident Bank Mortgage | 97 | 117 | 190 | ||
| Provident Bank Mortgage | 225 | ||||
| Total | 1,085 | 1,176 | 1,201 | 1,171 | 1,175 |
Price Behavior
| Market Price | $16.84 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 06/28/1996 | |
| Distance from 52W High | -2.4% | |
| 50 Days | 200 Days | |
| DMA Price | $16.83 | $15.87 |
| DMA Trend | up | up |
| Distance from DMA | 0.0% | 6.1% |
| 3M | 1YR | |
| Volatility | 10.2% | 12.7% |
| Downside Capture | -14.27 | 12.17 |
| Upside Capture | 11.65 | 23.05 |
| Correlation (SPY) | 23.4% | 18.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.07 | 0.29 | 0.24 | 0.23 | 0.25 | 0.24 |
| Up Beta | 0.79 | 0.69 | 0.47 | 0.40 | 0.42 | 0.22 |
| Down Beta | 0.03 | 0.02 | 0.18 | 0.23 | 0.14 | 0.30 |
| Up Capture | -12% | 20% | 23% | 25% | 19% | 8% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 10 | 23 | 35 | 59 | 118 | 350 |
| Down Capture | -21% | -34% | 2% | 3% | 21% | 31% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 9 | 14 | 24 | 52 | 105 | 342 |
[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 | |
|---|---|---|---|---|
| PROV | 11.8% | 12.8% | 0.62 | - |
| Sector ETF (XLF) | 8.3% | 14.6% | 0.33 | 35.8% |
| Equity (SPY) | 26.5% | 12.4% | 1.61 | 17.3% |
| Gold (GLD) | 24.2% | 27.5% | 0.77 | 4.2% |
| Commodities (DBC) | 19.8% | 18.8% | 0.83 | -8.0% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.52 | 19.8% |
| Bitcoin (BTCUSD) | -40.0% | 42.4% | -1.08 | 7.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PROV | |
|---|---|---|---|---|
| PROV | 5.5% | 20.9% | 0.20 | - |
| Sector ETF (XLF) | 9.3% | 18.6% | 0.37 | 22.6% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 16.6% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | -3.8% |
| Commodities (DBC) | 7.5% | 19.4% | 0.29 | 0.9% |
| Real Estate (VNQ) | 1.9% | 18.9% | 0.00 | 12.4% |
| Bitcoin (BTCUSD) | 11.0% | 54.2% | 0.40 | 6.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PROV | |
|---|---|---|---|---|
| PROV | 3.8% | 27.4% | 0.18 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 43.4% |
| Equity (SPY) | 15.3% | 18.0% | 0.73 | 35.0% |
| Gold (GLD) | 12.3% | 16.1% | 0.63 | -4.6% |
| Commodities (DBC) | 5.9% | 18.0% | 0.26 | 14.3% |
| Real Estate (VNQ) | 5.3% | 20.7% | 0.22 | 31.5% |
| Bitcoin (BTCUSD) | 60.0% | 66.8% | 1.00 | 11.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/28/2026 | 0.4% | -0.6% | 0.7% |
| 1/27/2026 | 0.6% | 0.2% | 0.7% |
| 10/28/2025 | 0.6% | -1.9% | -1.9% |
| 7/28/2025 | -0.2% | 0.6% | 2.0% |
| 4/28/2025 | 1.3% | 3.4% | 3.2% |
| 1/28/2025 | 1.2% | -1.2% | -3.2% |
| 10/28/2024 | -0.3% | -0.5% | 4.2% |
| 7/29/2024 | -6.5% | -3.3% | 1.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 8 | 13 |
| # Negative | 9 | 16 | 11 |
| Median Positive | 0.8% | 1.0% | 3.2% |
| Median Negative | -1.1% | -2.0% | -3.2% |
| Max Positive | 7.8% | 5.9% | 13.1% |
| Max Negative | -6.5% | -7.1% | -12.2% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/28/2026 | 0.4% | -0.6% | 0.7% |
| 1/27/2026 | 0.6% | 0.2% | 0.7% |
| 10/28/2025 | 0.6% | -1.9% | -1.9% |
| 7/28/2025 | -0.2% | 0.6% | 2.0% |
| 4/28/2025 | 1.3% | 3.4% | 3.2% |
| 1/28/2025 | 1.2% | -1.2% | -3.2% |
| 10/28/2024 | -0.3% | -0.5% | 4.2% |
| 7/29/2024 | -6.5% | -3.3% | 1.4% |
| 4/29/2024 | 4.5% | 1.4% | 4.1% |
| 1/29/2024 | 0.4% | 0.3% | -4.7% |
| 10/25/2023 | -4.0% | -7.1% | -11.2% |
| 7/26/2023 | 0.8% | -1.4% | -4.9% |
| 4/26/2023 | -0.1% | -5.9% | -12.2% |
| 1/27/2023 | 0.4% | 0.6% | -0.1% |
| 10/25/2022 | -2.7% | -3.4% | 4.3% |
| 7/26/2022 | -0.4% | -0.3% | -1.2% |
| 4/26/2022 | 0.0% | -3.3% | -6.5% |
| 1/26/2022 | 0.8% | -0.2% | -1.5% |
| 10/26/2021 | -1.1% | -0.7% | 0.7% |
| 7/28/2021 | -2.7% | -3.1% | -0.7% |
| 4/27/2021 | 1.2% | 3.2% | 6.6% |
| 1/28/2021 | 0.0% | -2.1% | 1.4% |
| 10/28/2020 | 0.8% | -4.4% | 13.1% |
| 7/28/2020 | 7.8% | 5.9% | 4.9% |
| SUMMARY STATS | |||
| # Positive | 15 | 8 | 13 |
| # Negative | 9 | 16 | 11 |
| Median Positive | 0.8% | 1.0% | 3.2% |
| Median Negative | -1.1% | -2.0% | -3.2% |
| Max Positive | 7.8% | 5.9% | 13.1% |
| Max Negative | -6.5% | -7.1% | -12.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 02/06/2026 | 10-Q |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/29/2025 | 10-K |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 02/07/2025 | 10-Q |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/30/2024 | 10-K |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 02/08/2024 | 10-Q |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 09/05/2023 | 10-K |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/08/2023 | 10-Q |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 09/02/2022 | 10-K |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 02/06/2026 | 10-Q |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/29/2025 | 10-K |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 02/07/2025 | 10-Q |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/30/2024 | 10-K |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 02/08/2024 | 10-Q |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 09/05/2023 | 10-K |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/08/2023 | 10-Q |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 09/02/2022 | 10-K |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 02/08/2022 | 10-Q |
| 09/30/2021 | 11/05/2021 | 10-Q |
| 06/30/2021 | 09/03/2021 | 10-K |
| 03/31/2021 | 05/07/2021 | 10-Q |
| 12/31/2020 | 02/08/2021 | 10-Q |
| 09/30/2020 | 11/06/2020 | 10-Q |
| 06/30/2020 | 09/04/2020 | 10-K |
| 03/31/2020 | 05/08/2020 | 10-Q |
| 12/31/2019 | 02/10/2020 | 10-Q |
| 09/30/2019 | 11/08/2019 | 10-Q |
| 06/30/2019 | 08/30/2019 | 10-K |
Insider Activity
Updated 6/9/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Weiant, David | Senior Vice President | Direct | Sell | 6092026 | 17.00 | 1,012 | 17,204 | 151,419 | Form |
| 2 | Weiant, David | Senior Vice President | Direct | Sell | 6052026 | 17.10 | 1,000 | 17,100 | 169,615 | Form |
| 3 | Weiant, David | Senior Vice President | Direct | Sell | 6022026 | 16.92 | 3,000 | 50,760 | 184,749 | Form |
| 4 | Wertz, Gwendolyn | Senior Vice President | Direct | Sell | 11132025 | 15.64 | 4,800 | 75,072 | 321,199 | Form |
| 5 | Wertz, Gwendolyn | Senior Vice President | Direct | Sell | 6102025 | 15.40 | 1,940 | 29,876 | 390,190 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Weiant, David | Senior Vice President | Direct | Sell | 6092026 | 17.00 | 1,012 | 17,204 | 151,419 | Form |
| 2 | Weiant, David | Senior Vice President | Direct | Sell | 6052026 | 17.10 | 1,000 | 17,100 | 169,615 | Form |
| 3 | Weiant, David | Senior Vice President | Direct | Sell | 6022026 | 16.92 | 3,000 | 50,760 | 184,749 | Form |
| 4 | Wertz, Gwendolyn | Senior Vice President | Direct | Sell | 11132025 | 15.64 | 4,800 | 75,072 | 321,199 | Form |
| 5 | Wertz, Gwendolyn | Senior Vice President | Direct | Sell | 6102025 | 15.40 | 1,940 | 29,876 | 390,190 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.