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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Provident Financial Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.31.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Provident Financial Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Provident Financial Holdings's Cash-to-Debt or its related term are showing as below:
PROV'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18 Med: 0.31 Max: 0.82
Current: 0.18
During the past 13 years, Provident Financial Holdings's highest Cash to Debt Ratio was 0.82. The lowest was 0.18. And the median was 0.31.
PROV's Cash-to-Debt is ranked worse than 90.28% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs PROV: 0.18
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Provident Financial Holdings Cash-to-Debt Related Terms
Provident Financial Holdings Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Provident Financial Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's Cash-to-Debt 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 Cash-to-Debt of 0.31 as of Jun. 2026. This is near median its historical median of 0.31. Over the past decade, Provident Financial Holdings' Cash-to-Debt has ranged from 0.18 to 0.82. According to the industry distribution chart, Provident Financial Holdings ranks #1347 out of 1492 companies in the Banks industry, placing it in the top 90.3%.
Is Provident Financial Holdings' Cash-to-Debt too high?
Provident Financial Holdings' current Cash-to-Debt of 0.31 is near median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.82. The Banks industry median Cash-to-Debt is 1.37. Provident Financial Holdings' value of 0.31 is 77.4% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1347 out of 1492 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Provident Financial Holdings has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' Cash-to-Debt compare to BBNA and BYFC?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1347 out of 1492 companies for Cash-to-Debt. This places Provident Financial Holdings in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Provident Financial Holdings' value of 0.31 is 77.4% below this benchmark. Historically, Provident Financial Holdings' own Cash-to-Debt has ranged from 0.18 to 0.82 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 1.37, Provident Financial Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current Cash-to-Debt of 0.31 is 77.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current Cash-to-Debt is 0.31, which is near median its own 10-year median of 0.31. 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 Modestly Overvalued. The stock's GF Value™ is $16.69, compared to a current price of $18.69 — trading 12% above its estimated fair value. The current Cash-to-Debt is 0.31, which is near median its 10-year median of 0.31 and 77.4% below the Banks industry median of 1.37. Provident Financial Holdings' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Cash-to-Debt is 0.31 as of Jun. 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 $18.69 is trading 12% above its estimated GF Value™ of $16.69.
GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.
Key valuation signals for PROV:
Cash-to-Debt: 0.31 (near median its 10-year median of 0.31)
GF Value™: $16.69 vs. price of $18.69 (12% above fair value)
Industry Position: 77.4% below the Banks median (#1347 of 1492)
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
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