PROV (Provident Financial Holdings) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PROV Provident Financial Holdings Inc PROV
59 GF Score
Price $18.00
GF Value $15.90
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Provident Financial Holdings Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Provident Financial Holdings Valuation Rank Related Terms

PROV
59GF Score
Provident Financial Holdings Inc PROV
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $18.00 is trading 13.2% above its estimated GF Value™ of $15.90. GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.

Key valuation signals for PROV:

  • Valuation Rank:
  • GF Value™: $15.90 vs. price of $18.00 (13.2% above fair value)
  • GF Score™: 59/100 with 7 warning signs

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 Business Description

Address 3756 Central Avenue, Riverside, CA, USA, 92506
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.
59GF Score

Get the complete analysis for PROV

Valuation Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.00
Price
$15.90
GF Value