Provident Financial HoldingsPROV 58 EV-to-FCF is 43.92 as of Jul. 12, 2026, which is 220% above its 10-year median of 13.74. 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. Among 1,199 Banks companies, Provident Financial Holdings ranks worse than 91.91% on this metric.
The historical rank and industry rank for Provident Financial Holdings's EV-to-FCF or its related term are showing as below:
PROV'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.89 Med: 13.74 Max: 85.27
Current: 43.92
During the past 13 years, the highest EV-to-FCF of Provident Financial Holdings was 85.27. The lowest was -2.89. And the median was 13.74.
PROV's EV-to-FCF is ranked worse than 91.91% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs PROV: 43.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Provident Financial Holdings's PE Ratio (TTM) for today is calculated as:
Provident Financial Holdings's share price for today is $17.26.
Provident Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.920.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Provident Financial Holdings EV-to-FCF Related Terms
Provident Financial Holdings EV-to-FCF 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.
For the Banks - Regional subindustry, Provident Financial Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's EV-to-FCF falls into.
Provident Financial Holdings's current Enterprise Value is $324.87 Mil.
Provident Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.40 Mil.
* 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 EV-to-FCF of 43.92 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Provident Financial Holdings and its competitors. This is 220% above median its historical median of 13.74. According to the industry distribution chart, Provident Financial Holdings ranks #1102 out of 1199 companies in the Banks industry, placing it in the top 91.9%.
Is Provident Financial Holdings' EV-to-FCF too high?
Provident Financial Holdings' current EV-to-FCF of 43.92 is 220% above median its 10-year median of 13.74. The Banks industry median EV-to-FCF is 6.56. Provident Financial Holdings' value of 43.92 is 569.5% above this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1102 out of 1199 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' EV-to-FCF compare to RVSB and OXBC?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1102 out of 1199 companies for EV-to-FCF. This places Provident Financial Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.56. Provident Financial Holdings' value of 43.92 is 569.5% above this benchmark. While the company's 10-year median is 13.74 vs. the industry median of 6.56, Provident Financial Holdings has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current EV-to-FCF of 43.92 is 569.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current EV-to-FCF is 43.92, which is 220% above median its own 10-year median of 13.74. 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 $17.26 — trading 8.3% above its estimated fair value. The current EV-to-FCF is 43.92, which is 220% above median its 10-year median of 13.74 and 569.5% above the Banks industry median of 6.56. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current EV-to-FCF is 43.92 as of Jul. 12, 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 $17.26 is trading 8.3% above its estimated GF Value™ of $15.93.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
EV-to-FCF: 43.92 (220% above median its 10-year median of 13.74)
GF Value™: $15.93 vs. price of $17.26 (8.3% above fair value)
Industry Position: 569.5% above the Banks median (#1102 of 1199)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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