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Provident Financial HoldingsPROV +0.17%58 3-Year Share Buyback Ratio is 3.30 as of Mar. 2026, which is 11% below its 10-year median of 3.70. GuruFocus rates PROV with a GF Score™ of 58/100 and a GF Value™ of $15.69 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,040 Banks companies, Provident Financial Holdings ranks better than 94.23% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Provident Financial Holdings's current 3-Year Share Buyback Ratio was 3.30%.
The historical rank and industry rank for Provident Financial Holdings's 3-Year Share Buyback Ratio or its related term are showing as below:
PROV'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -22.5 Med: 3.7 Max: 8.4
Current: 3.3
During the past 13 years, Provident Financial Holdings's highest 3-Year Share Buyback Ratio was 8.40%. The lowest was -22.50%. And the median was 3.70%.
PROV's 3-Year Share Buyback Ratio is ranked better than 94.23% of 1040
companies
in the Banks industry
Industry Median: -0.2
vs PROV: 3.30
Provident Financial Holdings (NAS:PROV) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Provident Financial Holdings 3-Year Share Buyback Ratio Related Terms
PROV vs PBNK, RVSB, GSBX: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's 3-Year Share Buyback Ratio falls into.
Provident Financial Holdings 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 3.30 mean?
Provident Financial Holdings (PROV) has a 3-Year Share Buyback Ratio of 3.30 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Provident Financial Holdings and its competitors. This is 11% below median its historical median of 3.70. According to the industry distribution chart, Provident Financial Holdings ranks #60 out of 1040 companies in the Banks industry, placing it in the top 5.8%.
Is Provident Financial Holdings' 3-Year Share Buyback Ratio too high?
Provident Financial Holdings' current 3-Year Share Buyback Ratio of 3.30 is 11% below median its 10-year median of 3.70. Based on the distribution chart, Provident Financial Holdings ranks #60 out of 1040 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' 3-Year Share Buyback Ratio compare to PBNK and RVSB?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #60 out of 1040 companies for 3-Year Share Buyback Ratio. This places Provident Financial Holdings in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Provident Financial Holdings and its competitors. Provident Financial Holdings's current 3-Year Share Buyback Ratio is 3.30, which is 11% below median its own 10-year median of 3.70. 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 $15.69, compared to a current price of $18.04 — trading 15% above its estimated fair value. The current 3-Year Share Buyback Ratio is 3.30, which is 11% below median its 10-year median of 3.70. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current 3-Year Share Buyback Ratio is 3.30 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 $18.04 is trading 15% above its estimated GF Value™ of $15.69.
GuruFocus considers Provident Financial Holdings to be Modestly Overvalued.
Key valuation signals for PROV:
3-Year Share Buyback Ratio: 3.30 (11% below median its 10-year median of 3.70)
GF Value™: $15.69 vs. price of $18.04 (15% above fair value)
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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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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