During the past 12 months, Provident Financial Holdings's average Book Value Per Share Growth Rate was 3.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Provident Financial Holdings was 12.40% per year. The lowest was -17.90% per year. And the median was 4.00% per year.
During the past 13 years, the highest P/B Ratio of Provident Financial Holdings was 1.40. The lowest was 0.61. And the median was 0.91.
Warning Sign:
Provident Financial Holdings Inc stock PB Ratio (=0.86) is close to 3-year high of 0.86.
Provident Financial Holdings (NAS:PROV) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Provident Financial Holdings Book Value per Share Related Terms
Provident Financial Holdings Book Value per Share Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Provident Financial Holdings Book Value per Share Chart
PROV vs RVSB, OXBC, GSBX: Book Value per Share Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Provident Financial Holdings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Provident Financial Holdings (PROV) has a Book Value per Share of $20.02 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Provident Financial Holdings and its competitors.
Is Provident Financial Holdings' Book Value per Share too high?
Provident Financial Holdings' current Book Value per Share is $20.02. Overall, Provident Financial Holdings has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' Book Value per Share compare to RVSB and OXBC?
Provident Financial Holdings' Book Value per Share of $20.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Provident Financial Holdings and its competitors. Provident Financial Holdings's current Book Value per Share is $20.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Provident Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Provident Financial Holdings (PROV) is currently considered Fairly Valued. The stock's GF Value™ is $15.93, compared to a current price of $17.24 — trading 8.2% above its estimated fair value. The current Book Value per Share is $20.02. Provident Financial Holdings' overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Book Value per Share is $20.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Provident Financial Holdings (PROV) Overvalued in 2026?
Based on GuruFocus' analysis, Provident Financial Holdings stock appears to be overvalued.
The current stock price of $17.24 is trading 8.2% above its estimated GF Value™ of $15.93.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
Book Value per Share: $20.02
GF Value™: $15.93 vs. price of $17.24 (8.2% above fair value)
No single metric tells the full story. See the PROV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Provident Financial Holdings Inc is a holding company of Provident Savings Bank, F.S.B. It is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its business activities consist of community banking, investment services and trustee services for real estate transactions. The group operates in Bank segment that include attracting deposits, offering banking services and originating and purchasing single-family, multi-family, commercial real estate, construction and, to a lesser extent, other mortgage, commercial business and consumer loans. Its evenues are derived from interest earned on its loan and investment portfolios, and fees generated through its community banking activities.
58GF Score
Get the complete analysis for PROV
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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