PROV (Provident Financial Holdings) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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PROV Provident Financial Holdings Inc PROV
59 GF Score
Price $17.81
GF Value $15.94
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Provident Financial Holdings ROC (Joel Greenblatt) %?

Provident Financial Holdings PROV 59 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates PROV with a GF Score™ of 59/100 and a GF Value™ of $15.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 46 Banks companies, Provident Financial Holdings ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

PROV
59GF Score
Provident Financial Holdings Inc PROV
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Provident Financial Holdings (PROV) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Provident Financial Holdings and its competitors. According to the industry distribution chart, Provident Financial Holdings ranks #999999 out of 46 companies in the Banks industry.
Is Provident Financial Holdings' ROC (Joel Greenblatt) % too high?
Provident Financial Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Provident Financial Holdings ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Provident Financial Holdings has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' ROC (Joel Greenblatt) % compare to PBNK and RVSB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Provident Financial Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current ROC (Joel Greenblatt) % is %. 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 Modestly Overvalued. The stock's GF Value™ is $15.94, compared to a current price of $17.81 — trading 11.7% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Provident Financial Holdings' overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current ROC (Joel Greenblatt) % is % 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 $17.81 is trading 11.7% above its estimated GF Value™ of $15.94. GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.

Key valuation signals for PROV:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $15.94 vs. price of $17.81 (11.7% 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.81
Price
$15.94
GF Value