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Provident Financial HoldingsPROV 58 Shiller PE Ratio is 17.38 as of Sep. 01, 2026, which is 13% above its 10-year median of 15.43. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $15.97 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,239 Banks companies, Provident Financial Holdings ranks worse than 70.86% on this metric.
The historical rank and industry rank for Provident Financial Holdings's Shiller PE Ratio or its related term are showing as below:
PROV'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.87 Med: 15.43 Max: 29.06
Current: 17.44
During the past years, Provident Financial Holdings's highest Shiller PE Ratio was 29.06. The lowest was 10.87. And the median was 15.43.
PROV's Shiller PE Ratio is ranked worse than 70.86% of 1239
companies
in the Banks industry
Industry Median: 13.75
vs PROV: 17.44
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Provident Financial Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.210. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.05 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Provident Financial Holdings (NAS:PROV) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Provident Financial Holdings Shiller PE Ratio Related Terms
Provident Financial Holdings Shiller PE Ratio 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.
Provident Financial Holdings Shiller PE Ratio Chart
PROV vs BBNA, BYFC, JFBC: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's Shiller PE Ratio falls into.
Provident Financial Holdings Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Provident Financial Holdings (PROV) has a Shiller PE Ratio of 17.38 as of Sep. 01, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Provident Financial Holdings and its competitors. This is 13% above median its historical median of 15.43. Over the past decade, Provident Financial Holdings' Shiller PE Ratio has ranged from 10.87 to 29.06. According to the industry distribution chart, Provident Financial Holdings ranks #878 out of 1239 companies in the Banks industry, placing it in the top 70.9%.
Is Provident Financial Holdings' Shiller PE Ratio too high?
Provident Financial Holdings' current Shiller PE Ratio of 17.38 is 13% above median its 10-year median of 15.43. Over the past 10 years, this metric has ranged from a low of 10.87 to a high of 29.06. The Banks industry median Shiller PE Ratio is 13.75. Provident Financial Holdings' value of 17.38 is 26.4% above this industry median. Based on the distribution chart, Provident Financial Holdings ranks #878 out of 1239 companies in the Banks industry, which is below the industry midpoint. Overall, Provident Financial Holdings has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' Shiller PE Ratio compare to BBNA and BYFC?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #878 out of 1239 companies for Shiller PE Ratio. This places Provident Financial Holdings in the lower half of its industry. The industry median Shiller PE Ratio is 13.75. Provident Financial Holdings' value of 17.38 is 26.4% above this benchmark. Historically, Provident Financial Holdings' own Shiller PE Ratio has ranged from 10.87 to 29.06 over the past decade. While the company's 10-year median is 15.43 vs. the industry median of 13.75, Provident Financial Holdings has consistently been above 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.75, based on 1,239 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current Shiller PE Ratio of 17.38 is 26.4% above 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current Shiller PE Ratio is 17.38, which is 13% above median its own 10-year median of 15.43. 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 $15.97, compared to a current price of $18.25 — trading 14.3% above its estimated fair value. The current Shiller PE Ratio is 17.38, which is 13% above median its 10-year median of 15.43 and 26.4% above the Banks industry median of 13.75. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current Shiller PE Ratio is 17.38 as of Sep. 01, 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 $18.25 is trading 14.3% above its estimated GF Value™ of $15.97.
GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.
Key valuation signals for PROV:
Shiller PE Ratio: 17.38 (13% above median its 10-year median of 15.43)
GF Value™: $15.97 vs. price of $18.25 (14.3% above fair value)
Industry Position: 26.4% above the Banks median (#878 of 1239)
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
Get the complete analysis for PROV
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