* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's OCF 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 OCF Margin % of 19.14% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Provident Financial Holdings and its competitors. This is 47% below median its historical median of 36.32. Over the past decade, Provident Financial Holdings' OCF Margin % has ranged from 14.63 to 211.30. According to the industry distribution chart, Provident Financial Holdings ranks #934 out of 1501 companies in the Banks industry, placing it in the top 62.2%.
Is Provident Financial Holdings' OCF Margin % too high?
Provident Financial Holdings' current OCF Margin % of 19.14% is 47% below median its 10-year median of 36.32. Over the past 10 years, this metric has ranged from a low of 14.63 to a high of 211.30. The Banks industry median OCF Margin % is 29.44. Provident Financial Holdings' value of 19.14% is 35% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #934 out of 1501 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' OCF Margin % compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #934 out of 1501 companies for OCF Margin %. This places Provident Financial Holdings in the lower half of its industry. The industry median OCF Margin % is 29.44. Provident Financial Holdings' value of 19.14% is 35% below this benchmark. Historically, Provident Financial Holdings' own OCF Margin % has ranged from 14.63 to 211.30 over the past decade. While the company's 10-year median is 36.32 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current OCF Margin % of 19.14% is 35% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current OCF Margin % is 19.14%, which is 47% below median its own 10-year median of 36.32. 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 OCF Margin % is 19.14%, which is 47% below median its 10-year median of 36.32 and 35% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current OCF Margin % is 19.14% 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:
OCF Margin %: 19.14% (47% below median its 10-year median of 36.32)
GF Value™: $16.31 vs. price of $17.12 (5% above fair value)
Industry Position: 35% below the Banks median (#934 of 1501)
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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