The historical rank and industry rank for Provident Financial Holdings's Net Margin % or its related term are showing as below:
PROV'
s Net Margin % Range Over the Past 10 Years
Min: 3.66 Med: 17.42 Max: 25.04
Current: 15.55
PROV's Net Margin % is ranked worse than 80.16% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PROV: 15.55
Provident Financial Holdings (NAS:PROV) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Provident Financial Holdings Net Margin % Related Terms
Provident Financial Holdings Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's Net 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 Net Margin % of 13.71% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Provident Financial Holdings and its competitors. This is 21% below median its historical median of 17.42. Over the past decade, Provident Financial Holdings' Net Margin % has ranged from 3.66 to 25.04. According to the industry distribution chart, Provident Financial Holdings ranks #1224 out of 1527 companies in the Banks industry, placing it in the top 80.2%.
Is Provident Financial Holdings' Net Margin % too high?
Provident Financial Holdings' current Net Margin % of 13.71% is 21% below median its 10-year median of 17.42. Over the past 10 years, this metric has ranged from a low of 3.66 to a high of 25.04. The Banks industry median Net Margin % is 26.95. Provident Financial Holdings' value of 13.71% is 49.1% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1224 out of 1527 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' Net Margin % compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1224 out of 1527 companies for Net Margin %. This places Provident Financial Holdings in the lower half of its industry. The industry median Net Margin % is 26.95. Provident Financial Holdings' value of 13.71% is 49.1% below this benchmark. Historically, Provident Financial Holdings' own Net Margin % has ranged from 3.66 to 25.04 over the past decade. While the company's 10-year median is 17.42 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current Net Margin % of 13.71% is 49.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current Net Margin % is 13.71%, which is 21% below median its own 10-year median of 17.42. 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 Net Margin % is 13.71%, which is 21% below median its 10-year median of 17.42 and 49.1% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Net Margin % is 13.71% 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:
Net Margin %: 13.71% (21% below median its 10-year median of 17.42)
GF Value™: $16.31 vs. price of $17.12 (5% above fair value)
Industry Position: 49.1% below the Banks median (#1224 of 1527)
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
Get the complete analysis for PROV
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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