Provident Financial Holdings Inc stock PB Ratio (=0.86) is close to 3-year high of 0.86.
The historical rank and industry rank for Provident Financial Holdings's PB Ratio or its related term are showing as below:
PROV'
s PB Ratio Range Over the Past 10 Years
Min: 0.61 Med: 0.91 Max: 1.4
Current: 0.86
During the past 13 years, Provident Financial Holdings's highest PB Ratio was 1.40. The lowest was 0.61. And the median was 0.91.
PROV's PB Ratio is ranked better than 69.44% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs PROV: 0.86
During the past 12 months, Provident Financial Holdings's average Book Value Per Share Growth Rate was 3.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Provident Financial Holdings was 12.40% per year. The lowest was -17.90% per year. And the median was 4.00% per year.
Back to Basics: PB Ratio
Provident Financial Holdings (NAS:PROV) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Provident Financial Holdings PB Ratio Related Terms
Provident Financial Holdings PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Provident Financial Holdings (PROV) has a PB Ratio of 0.86 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Provident Financial Holdings and its competitors. This is near median its historical median of 0.91. Over the past decade, Provident Financial Holdings' PB Ratio has ranged from 0.61 to 1.40. According to the industry distribution chart, Provident Financial Holdings ranks #463 out of 1515 companies in the Banks industry, placing it in the top 30.6%.
Is Provident Financial Holdings' PB Ratio too high?
Provident Financial Holdings' current PB Ratio of 0.86 is near median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.40. The Banks industry median PB Ratio is 1.08. Provident Financial Holdings' value of 0.86 is 20.4% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #463 out of 1515 companies in the Banks industry, which is above 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' PB Ratio compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #463 out of 1515 companies for PB Ratio. This puts Provident Financial Holdings in the upper half of its industry. The industry median PB Ratio is 1.08. Provident Financial Holdings' value of 0.86 is 20.4% below this benchmark. Historically, Provident Financial Holdings' own PB Ratio has ranged from 0.61 to 1.40 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current PB Ratio of 0.86 is 20.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current PB Ratio is 0.86, which is near median its own 10-year median of 0.91. 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 $17.15 — trading 5.2% above its estimated fair value. The current PB Ratio is 0.86, which is near median its 10-year median of 0.91 and 20.4% below the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current PB Ratio is 0.86 as of Jun. 25, 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 $17.15 is trading 5.2% above its estimated GF Value™ of $16.31.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
PB Ratio: 0.86 (near median its 10-year median of 0.91)
GF Value™: $16.31 vs. price of $17.15 (5.2% above fair value)
Industry Position: 20.4% below the Banks median (#463 of 1515)
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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