PROV (Provident Financial Holdings) Cyclically Adjusted Revenue per Share: $7.61 (As of Jun. 2026)

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PROV Provident Financial Holdings Inc PROV
58 GF Score
Price $18.50
GF Value $16.69
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Provident Financial Holdings Cyclically Adjusted Revenue per Share?

Provident Financial Holdings PROV -0.64% 58 Cyclically Adjusted Revenue per Share is $7.61 as of Jun. 2026. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $16.69 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Provident Financial Holdings's adjusted revenue per share for the three months ended in Jun. 2026 was $1.673. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $7.61 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Provident Financial Holdings's average Cyclically Adjusted Revenue Growth Rate was -3.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was -2.40% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was -2.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was -1.40% 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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Provident Financial Holdings was 8.30% per year. The lowest was -3.30% per year. And the median was -0.90% per year.

As of today (2026-09-16), Provident Financial Holdings's current stock price is $18.50. Provident Financial Holdings's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $7.61. Provident Financial Holdings's Cyclically Adjusted PS Ratio of today is 2.43.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Provident Financial Holdings was 2.81. The lowest was 1.41. And the median was 2.07.


Provident Financial Holdings  (NAS:PROV) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Provident Financial Holdings's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=18.50/7.614
=2.43

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Provident Financial Holdings was 2.81. The lowest was 1.41. And the median was 2.07.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Provident Financial Holdings Cyclically Adjusted Revenue per Share Related Terms


Provident Financial Holdings Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Provident Financial Holdings's Cyclically Adjusted Revenue per Share can be seen below:

* 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 Cyclically Adjusted Revenue per Share Chart

Provident Financial Holdings Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.43 7.85 7.86 7.56 7.33

Provident Financial Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.83 7.74 7.60 7.68 7.61

PROV vs BBNA, BYFC, JFBC: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Provident Financial Holdings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Provident Financial Holdings's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Provident Financial Holdings's Cyclically Adjusted PS Ratio falls into.


PROV
58GF Score
Provident Financial Holdings Inc PROV
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Provident Financial Holdings Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Provident Financial Holdings's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.673/333.9520*333.9520
=1.673

Current CPI (Jun. 2026) = 333.9520.

Provident Financial Holdings Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.992 241.428 2.755
201612 2.863 241.432 3.960
201703 2.364 243.801 3.238
201706 2.487 244.955 3.391
201709 2.058 246.819 2.785
201712 1.989 246.524 2.694
201803 1.884 249.554 2.521
201806 1.845 251.989 2.445
201809 1.794 252.439 2.373
201812 1.887 251.233 2.508
201903 1.660 254.202 2.181
201906 1.403 256.143 1.829
201909 1.364 256.759 1.774
201912 1.554 256.974 2.020
202003 1.316 258.115 1.703
202006 1.242 257.797 1.609
202009 1.251 260.280 1.605
202012 1.149 260.474 1.473
202103 1.142 264.877 1.440
202106 1.136 271.696 1.396
202109 1.182 274.310 1.439
202112 1.207 278.802 1.446
202203 1.167 287.504 1.356
202206 1.321 296.311 1.489
202209 1.364 296.808 1.535
202212 1.429 296.797 1.608
202303 1.453 301.836 1.608
202306 1.466 305.109 1.605
202309 1.407 307.789 1.527
202312 1.382 306.746 1.505
202403 1.356 312.332 1.450
202406 1.439 314.175 1.530
202409 1.386 315.301 1.468
202412 1.414 315.605 1.496
202503 1.503 319.799 1.570
202506 1.467 322.561 1.519
202509 1.470 324.800 1.511
202512 1.507 324.054 1.553
202603 1.542 330.213 1.559
202606 1.673 333.952 1.673

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $7.61 mean?
Provident Financial Holdings (PROV) has a Cyclically Adjusted Revenue per Share of $7.61 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Provident Financial Holdings and its competitors.
Is Provident Financial Holdings' Cyclically Adjusted Revenue per Share too high?
Provident Financial Holdings' current Cyclically Adjusted Revenue per Share is $7.61. 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' Cyclically Adjusted Revenue per Share compare to BBNA and BYFC?
Provident Financial Holdings' Cyclically Adjusted Revenue per Share of $7.61 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Provident Financial Holdings and its competitors. Provident Financial Holdings's current Cyclically Adjusted Revenue per Share is $7.61. 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 $18.50 — trading 10.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $7.61. 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 Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Cyclically Adjusted Revenue per Share is $7.61 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 $18.50 is trading 10.8% above its estimated GF Value™ of $16.69. GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.

Key valuation signals for PROV:

  • Cyclically Adjusted Revenue per Share: $7.61
  • GF Value™: $16.69 vs. price of $18.50 (10.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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 Business Description

Address 3756 Central Avenue, Riverside, CA, USA, 92506
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

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.50
Price
$16.69
GF Value