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


PROV Provident Financial Holdings Inc PROV
58 GF Score
Price $17.12
GF Value $16.31
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Provident Financial Holdings ROC %?

Provident Financial Holdings PROV +0.06% 58 ROC % is % as of Mar. 2026. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $16.31 (Fairly Valued). The stock has 7 warning signs investors should review.

ROC %does not apply to banks.

PROV
58GF Score
Provident Financial Holdings Inc PROV
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Provident Financial Holdings (PROV) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Provident Financial Holdings and its competitors.
Is Provident Financial Holdings' ROC % too high?
Provident Financial Holdings' current ROC % is %. 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' ROC % compare to OXBC and UNB?
Provident Financial Holdings' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current ROC % 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 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current ROC % 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 $17.12 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:

  • ROC %: %
  • GF Value™: $16.31 vs. price of $17.12 (5% above fair value)
  • GF Score™: 58/100 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.
58GF Score

Get the complete analysis for PROV

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

$17.12
Price
$16.31
GF Value