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

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Vera Yuan
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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.
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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 ROCE %?

Provident Financial Holdings PROV -0.42% 59 ROCE % is % as of Mar. 2026. GuruFocus rates PROV with a GF Score™ of 59/100 and a GF Value™ of $15.90 (Modestly Overvalued). The stock has 7 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

PROV
59GF Score
Provident Financial Holdings Inc PROV
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Provident Financial Holdings (PROV) has a ROCE % of % as of Mar. 2026.
Is Provident Financial Holdings' ROCE % too high?
Provident Financial Holdings' current ROCE % is %. 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' ROCE % compare to PBNK and RVSB?
Provident Financial Holdings' ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current ROCE % 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 $15.90, compared to a current price of $18.00 — trading 13.2% above its estimated fair value. The current ROCE % 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current ROCE % 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 $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:

  • ROCE %: %
  • 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

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

$18.00
Price
$15.90
GF Value