Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Provident Financial Holdings 5-Year Yield-on-Cost % Related Terms
PROV vs RVSB, OXBC, GSBX: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Provident Financial Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Provident Financial Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Provident Financial Holdings (PROV) has a 5-Year Yield-on-Cost % of 3.25 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Provident Financial Holdings and its competitors. This is near median its historical median of 3.44. Over the past decade, Provident Financial Holdings' 5-Year Yield-on-Cost % has ranged from 2.42 to 5.00. According to the industry distribution chart, Provident Financial Holdings ranks #772 out of 1256 companies in the Banks industry, placing it in the top 61.5%.
Is Provident Financial Holdings' 5-Year Yield-on-Cost % too high?
Provident Financial Holdings' current 5-Year Yield-on-Cost % of 3.25 is near median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 2.42 to a high of 5.00. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Provident Financial Holdings' value of 3.25 is 16.8% below this industry median. Based on the distribution chart, Provident Financial Holdings ranks #772 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, Provident Financial Holdings has a GF Scoreâ„¢ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Holdings' 5-Year Yield-on-Cost % compare to RVSB and OXBC?
According to the Banks industry distribution chart, Provident Financial Holdings ranks #772 out of 1256 companies for 5-Year Yield-on-Cost %. This places Provident Financial Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Provident Financial Holdings' value of 3.25 is 16.8% below this benchmark. Historically, Provident Financial Holdings' own 5-Year Yield-on-Cost % has ranged from 2.42 to 5.00 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 3.91, Provident Financial Holdings has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Holdings's current 5-Year Yield-on-Cost % of 3.25 is 16.8% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Provident Financial Holdings and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Holdings's current 5-Year Yield-on-Cost % is 3.25, which is near median its own 10-year median of 3.44. 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 $15.93, compared to a current price of $17.24 — trading 8.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.25, which is near median its 10-year median of 3.44 and 16.8% below the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Provident Financial Holdings (PROV), the current 5-Year Yield-on-Cost % is 3.25 as of Jul. 05, 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 $17.24 is trading 8.2% above its estimated GF Value™ of $15.93.
GuruFocus considers Provident Financial Holdings to be Fairly Valued.
Key valuation signals for PROV:
5-Year Yield-on-Cost %: 3.25 (near median its 10-year median of 3.44)
GF Value™: $15.93 vs. price of $17.24 (8.2% above fair value)
Industry Position: 16.8% below the Banks median (#772 of 1256)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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