* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's FCF Margin % 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 FCF Margin % of 17.67% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Provident Financial Holdings and its competitors. This is 50% below median its historical median of 35.09. Over the past decade, Provident Financial Holdings' FCF Margin % has ranged from 10.54 to 210.42. According to the industry distribution chart, Provident Financial Holdings ranks #890 out of 1505 companies in the Banks industry, placing it in the top 59.1%.
Is Provident Financial Holdings' FCF Margin % too high?
Provident Financial Holdings' current FCF Margin % of 17.67% is 50% below median its 10-year median of 35.09. Over the past 10 years, this metric has ranged from a low of 10.54 to a high of 210.42. The Banks industry median FCF Margin % is 26.42. Provident Financial Holdings' value of 17.67% is 33.1% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #890 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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' FCF Margin % compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #890 out of 1505 companies for FCF Margin %. This places Provident Financial Holdings in the lower half of its industry. The industry median FCF Margin % is 26.42. Provident Financial Holdings' value of 17.67% is 33.1% below this benchmark. Historically, Provident Financial Holdings' own FCF Margin % has ranged from 10.54 to 210.42 over the past decade. While the company's 10-year median is 35.09 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current FCF Margin % of 17.67% is 33.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current FCF Margin % is 17.67%, which is 50% below median its own 10-year median of 35.09. 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 $16.31, compared to a current price of $17.12 — trading 5% above its estimated fair value. The current FCF Margin % is 17.67%, which is 50% below median its 10-year median of 35.09 and 33.1% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current FCF Margin % is 17.67% 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 $17.12 is trading 5% above its estimated GF Value™ of $16.31.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
FCF Margin %: 17.67% (50% below median its 10-year median of 35.09)
GF Value™: $16.31 vs. price of $17.12 (5% above fair value)
Industry Position: 33.1% below the Banks median (#890 of 1505)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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