During the past 12 months, Provident Financial Holdings's average EPS without NRIGrowth Rate was -5.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -8.70% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -0.80% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 4.80% per year.
During the past 13 years, Provident Financial Holdings's highest 3-Year average EPS without NRI Growth Rate was 222.60% per year. The lowest was -67.90% per year. And the median was 4.35% per year.
Provident Financial Holdings (NAS:PROV) PE Ratio Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.
Provident Financial Holdings PE Ratio Related Terms
Provident Financial Holdings PE 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 PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's PE Ratio falls into.
The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Provident Financial Holdings's Share Price of today is $17.25. 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 $0.92.
* 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:
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Provident Financial Holdings (PROV) has a PE Ratio of 18.75 as of Jun. 25, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Provident Financial Holdings and its competitors. This is 10% above median its historical median of 17.10. Over the past decade, Provident Financial Holdings' PE Ratio has ranged from 9.09 to 145.31.
Is Provident Financial Holdings' PE Ratio too high?
Provident Financial Holdings' current PE Ratio of 18.75 is 10% above median its 10-year median of 17.10. Over the past 10 years, this metric has ranged from a low of 9.09 to a high of 145.31. 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' PE Ratio compare to OXBC and UNB?
Provident Financial Holdings' PE Ratio of 18.75 can be compared against companies in the Banks industry. Historically, Provident Financial Holdings' own PE Ratio has ranged from 9.09 to 145.31 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for a Banks company?
A good PE Ratio depends on the Banks industry context. However, PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Provident Financial Holdings and its competitors. Provident Financial Holdings's current PE Ratio is 18.75, which is 10% above median its own 10-year median of 17.10. 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 $17.25 — trading 5.8% above its estimated fair value. The current PE Ratio is 18.75, which is 10% above median its 10-year median of 17.10. 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 PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current PE Ratio is 18.75 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 $17.25 is trading 5.8% above its estimated GF Value™ of $16.31.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
PE Ratio: 18.75 (10% above median its 10-year median of 17.10)
GF Value™: $16.31 vs. price of $17.25 (5.8% above fair value)
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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