Provident Financial Holdings

PROV · NASDAQ

$18.14+$0.025 (+0.14%)TodayMarket closed · Oct 20, 4:10 PM ET

Prev close $18.12

PROV analyst rating

HoldConsensus of 2 analysts over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold2
Underperform0
Sell0

12-month price target · 4 analysts

Average $18.87 (+4.0% upside)

Low: $18.18
Now: $18.14
High: $19.95

Upgrades and downgrades

The latest rating actions, newest first

PROV analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Aug 3, 2026	Maintains	Neutral	$17.00 → $18.00	68%
Piper Sandler	Jun 26, 2026	Initiates	Neutral	$17.00	68%
Piper Sandler	Oct 30, 2025	Maintains	Neutral	$16.50 → $16.00	—

The case for and against

Updated Dec 29, 2025

Bull case

Provident Financial Holdings Inc. has demonstrated an encouraging expansion in its net interest margin, which increased by 6 basis points sequentially to 3.00%, primarily due to a rise in the average yield on earning assets. Management anticipates further margin expansion in the upcoming quarters, supported by a potential decrease in the average cost of funds, alongside continued focus on core profitability and expense management. Additionally, the company's strategy of share repurchases at favorable levels, coupled with a total return of 45.7% when including dividends, highlights the opportunity for enhanced shareholder value as it narrows the performance gap relative to its peer group.

Bear case

Provident Financial Holdings Inc. reported loan origination of $29.6 million, slightly exceeding the previous quarter's $29.4 million, but an 18% decrease in principal repayments led to a 0.3% decline in total loans. The financial institution faces significant challenges regarding profitability, as its metrics lag behind peers due to a conservative balance sheet, inadequate revenue diversification, and a high cost structure, all of which contribute to limited revenue growth and efficiency issues. Additionally, the outlook for profitability is further threatened by external risks, including general bank sector volatility, subpar asset quality, weakness in the Southern California residential real estate market, and sluggish loan growth.

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