Provident Financial HoldingsPROV -0.58%58 Return-on-Tangible-Asset is 0.44% as of Mar. 2026, which is 27% below its 10-year median of 0.60. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $15.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, Provident Financial Holdings ranks worse than 78.76% on this metric.
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Provident Financial Holdings Return-on-Tangible-Asset Related Terms
Provident Financial Holdings Return-on-Tangible-Asset 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 RVSB, OXBC, GSBX: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.44% mean?
Provident Financial Holdings (PROV) has a Return-on-Tangible-Asset of 0.44% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Provident Financial Holdings and its competitors. This is 27% below median its historical median of 0.60. Over the past decade, Provident Financial Holdings' Return-on-Tangible-Asset has ranged from 0.18 to 0.77. According to the industry distribution chart, Provident Financial Holdings ranks #1205 out of 1530 companies in the Banks industry, placing it in the top 78.8%.
Is Provident Financial Holdings' Return-on-Tangible-Asset too high?
Provident Financial Holdings' current Return-on-Tangible-Asset of 0.44% is 27% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.77. The Banks industry median Return-on-Tangible-Asset is 0.99. Provident Financial Holdings' value of 0.44% is 55.6% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #1205 out of 1530 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' Return-on-Tangible-Asset compare to RVSB and OXBC?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #1205 out of 1530 companies for Return-on-Tangible-Asset. This places Provident Financial Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Provident Financial Holdings' value of 0.44% is 55.6% below this benchmark. Historically, Provident Financial Holdings' own Return-on-Tangible-Asset has ranged from 0.18 to 0.77 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current Return-on-Tangible-Asset of 0.44% is 55.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current Return-on-Tangible-Asset is 0.44%, which is 27% below median its own 10-year median of 0.60. 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 $15.93, compared to a current price of $17.15 — trading 7.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.44%, which is 27% below median its 10-year median of 0.60 and 55.6% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Return-on-Tangible-Asset is 0.44% 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 $17.15 is trading 7.7% above its estimated GF Value™ of $15.93.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
Return-on-Tangible-Asset: 0.44% (27% below median its 10-year median of 0.60)
GF Value™: $15.93 vs. price of $17.15 (7.7% above fair value)
Industry Position: 55.6% below the Banks median (#1205 of 1530)
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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