* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Provident Financial Holdings's PEG Ratio or its related term are showing as below:
PROV'
s PEG Ratio Range Over the Past 10 Years
Min: 3.16 Med: 5.23 Max: 780
Current: 5.33
During the past 13 years, Provident Financial Holdings's highest PEG Ratio was 780.00. The lowest was 3.16. And the median was 5.23.
PROV's PEG Ratio is ranked worse than 86.33% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs PROV: 5.33
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Provident Financial Holdings (NAS:PROV) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Provident Financial Holdings PEG Ratio Related Terms
Provident Financial Holdings PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Provident Financial Holdings (PROV) has a PEG Ratio of 5.33 as of Jun. 26, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Provident Financial Holdings and its competitors. This is near median its historical median of 5.23. Over the past decade, Provident Financial Holdings' PEG Ratio has ranged from 3.16 to 780.00. According to the industry distribution chart, Provident Financial Holdings ranks #1061 out of 1229 companies in the Banks industry, placing it in the top 86.3%.
Is Provident Financial Holdings' PEG Ratio too high?
Provident Financial Holdings' current PEG Ratio of 5.33 is near median its 10-year median of 5.23. Over the past 10 years, this metric has ranged from a low of 3.16 to a high of 780.00. The Banks industry median PEG Ratio is 1.52. Provident Financial Holdings' value of 5.33 is 250.7% above this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1061 out of 1229 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' PEG Ratio compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1061 out of 1229 companies for PEG Ratio. This places Provident Financial Holdings in the lower half of its industry. The industry median PEG Ratio is 1.52. Provident Financial Holdings' value of 5.33 is 250.7% above this benchmark. Historically, Provident Financial Holdings' own PEG Ratio has ranged from 3.16 to 780.00 over the past decade. While the company's 10-year median is 5.23 vs. the industry median of 1.52, Provident Financial Holdings has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current PEG Ratio of 5.33 is 250.7% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current PEG Ratio is 5.33, which is near median its own 10-year median of 5.23. 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 $17.17 — trading 5.3% above its estimated fair value. The current PEG Ratio is 5.33, which is near median its 10-year median of 5.23 and 250.7% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current PEG Ratio is 5.33 as of Jun. 26, 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 $17.17 is trading 5.3% above its estimated GF Value™ of $16.31.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
PEG Ratio: 5.33 (near median its 10-year median of 5.23)
GF Value™: $16.31 vs. price of $17.17 (5.3% above fair value)
Industry Position: 250.7% above the Banks median (#1061 of 1229)
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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