PROV (Provident Financial Holdings) Cyclically Adjusted Revenue per Share: $7.44 (As of Mar. 2026)


PROV Provident Financial Holdings Inc PROV
58 GF Score
Price $17.24
GF Value $15.93
Valuation Fairly Valued
! 7 Warning Signs
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What is Provident Financial Holdings Cyclically Adjusted Revenue per Share?

Provident Financial Holdings PROV -0.12% 58 Cyclically Adjusted Revenue per Share is $7.44 as of Mar. 2026. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $15.93 (Fairly Valued). The stock has 7 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 Mar. 2026 was $1.532. 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 $7.44 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Provident Financial Holdings's average Cyclically Adjusted Revenue Growth Rate was -3.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was -3.30% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was -1.00% 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 -0.80% per year.

As of today (2026-07-03), Provident Financial Holdings's current stock price is $17.24. Provident Financial Holdings's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $7.44. Provident Financial Holdings's Cyclically Adjusted PS Ratio of today is 2.32.

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
=17.24/7.44
=2.32

* 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 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.10 8.42 7.93 7.91 7.61

Provident Financial Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 7.69 7.61 7.52 7.41 7.44

PROV vs RVSB, OXBC, GSBX: 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 Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.532/330.2130*330.2130
=1.532

Current CPI (Mar. 2026) = 330.2130.

Provident Financial Holdings Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.330 241.018 3.192
201609 2.249 241.428 3.076
201612 2.077 241.432 2.841
201703 1.907 243.801 2.583
201706 1.979 244.955 2.668
201709 2.011 246.819 2.690
201712 1.915 246.524 2.565
201803 1.882 249.554 2.490
201806 1.831 251.989 2.399
201809 1.840 252.439 2.407
201812 1.766 251.233 2.321
201903 1.687 254.202 2.191
201906 1.384 256.143 1.784
201909 1.393 256.759 1.792
201912 1.434 256.974 1.843
202003 1.316 258.115 1.684
202006 1.241 257.797 1.590
202009 1.251 260.280 1.587
202012 1.149 260.474 1.457
202103 1.142 264.877 1.424
202106 1.135 271.696 1.379
202109 1.182 274.310 1.423
202112 1.207 278.802 1.430
202203 1.167 287.504 1.340
202206 1.321 296.311 1.472
202209 1.364 296.808 1.518
202212 1.429 296.797 1.590
202303 1.453 301.836 1.590
202306 1.466 305.109 1.587
202309 1.407 307.789 1.510
202312 1.382 306.746 1.488
202403 1.356 312.332 1.434
202406 1.439 314.175 1.512
202409 1.386 315.301 1.452
202412 1.414 315.605 1.479
202503 1.503 319.799 1.552
202506 1.467 322.561 1.502
202509 1.470 324.800 1.494
202512 1.507 324.054 1.536
202603 1.532 330.213 1.532

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 $7.44 mean?
Provident Financial Holdings (PROV) has a Cyclically Adjusted Revenue per Share of $7.44 as of Mar. 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 $7.44. 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' Cyclically Adjusted Revenue per Share compare to RVSB and OXBC?
Provident Financial Holdings' Cyclically Adjusted Revenue per Share of $7.44 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 $7.44. 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 Cyclically Adjusted Revenue per Share is $7.44. 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 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 $7.44 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:

  • Cyclically Adjusted Revenue per Share: $7.44
  • GF Value™: $15.93 vs. price of $17.24 (8.2% above fair value)
  • GF Score™: 58/100 with 7 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.

$17.24
Price
$15.93
GF Value