The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Provident Financial Holdings Pretax Margin % Related Terms
Provident Financial Holdings Pretax 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.
PROV vs OXBC, UNB, GSBX: Pretax Margin % Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's Pretax 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 Pretax Margin % of 19.35% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Provident Financial Holdings and its competitors. This is 22% below median its historical median of 24.70. Over the past decade, Provident Financial Holdings' Pretax Margin % has ranged from 9.50 to 35.41. According to the industry distribution chart, Provident Financial Holdings ranks #1162 out of 1527 companies in the Banks industry, placing it in the top 76.1%.
Is Provident Financial Holdings' Pretax Margin % too high?
Provident Financial Holdings' current Pretax Margin % of 19.35% is 22% below median its 10-year median of 24.70. Over the past 10 years, this metric has ranged from a low of 9.50 to a high of 35.41. The Banks industry median Pretax Margin % is 34.88. Provident Financial Holdings' value of 19.35% is 44.5% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1162 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' Pretax Margin % compare to OXBC and UNB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1162 out of 1527 companies for Pretax Margin %. This places Provident Financial Holdings in the lower half of its industry. The industry median Pretax Margin % is 34.88. Provident Financial Holdings' value of 19.35% is 44.5% below this benchmark. Historically, Provident Financial Holdings' own Pretax Margin % has ranged from 9.50 to 35.41 over the past decade. While the company's 10-year median is 24.70 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current Pretax Margin % of 19.35% is 44.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current Pretax Margin % is 19.35%, which is 22% below median its own 10-year median of 24.70. 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 Pretax Margin % is 19.35%, which is 22% below median its 10-year median of 24.70 and 44.5% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Pretax Margin % is 19.35% 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:
Pretax Margin %: 19.35% (22% below median its 10-year median of 24.70)
GF Value™: $16.31 vs. price of $17.12 (5% above fair value)
Industry Position: 44.5% below the Banks median (#1162 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
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