Provident Financial Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Provident Financial Holdings, Inc.'s yearly results (2023–2026), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -2% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-2% / -9%In 3 years sales changed by -2% while total assets changed by -9%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Provident Financial Holdings, Inc. owes $0.90 for every $1 it owns. Net profit rose 6% in the year to Jun 2026, and shrank 8% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Jun 2026.
P/E ratio
17.7Investors pay $17.7 for every $1 of Provident Financial Holdings, Inc.'s yearly profit, higher than 70% of Financial Services companies in United States.
P/B ratio
0.89The share price is 0.89 times Provident Financial Holdings, Inc.'s book value per share, lower than 79% of Financial Services companies in United States.
Market cap
$113 MThe total market value of all of Provident Financial Holdings, Inc.'s shares at today's price (share price × number of shares), smaller than 89% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$126 MWhat Provident Financial Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$20.37Net worth divided by the number of shares. The share price of $18.19 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
5.2%Provident Financial Holdings, Inc. earned 5.2% on its shareholders' money over the last year, lower than 74% of Financial Services companies in United States.
Owes vs Owns
0.90×Provident Financial Holdings, Inc. owes $0.90 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.08%Provident Financial Holdings, Inc. pays 3.08% of its share price as dividends a year, higher than 55% of dividend-paying Financial Services companies in United States.
Revenue growth
+3%Revenue rose 3% in the year to Jun 2026, and shrank 1% a year on average over 3 years.
Profit growth
+6%Net profit rose 6% in the year to Jun 2026, and shrank 8% a year on average over 3 years.
Profit margin
16.6%Provident Financial Holdings, Inc. keeps $17 of every $100 of revenue as net profit.
Questions
What is Provident Financial Holdings, Inc.'s P/E ratio?
Investors pay $17.7 for every $1 of Provident Financial Holdings, Inc.'s yearly profit, higher than 70% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Provident Financial Holdings, Inc.: $113 M ÷ $126 M (30 Jun 2026) = 0.9.
What is Provident Financial Holdings, Inc.'s return on equity?
Provident Financial Holdings, Inc. earned 5.2% on its shareholders' money over the last year, lower than 74% of Financial Services companies in United States.
How much does Provident Financial Holdings, Inc. owe compared with what it owns?
Provident Financial Holdings, Inc. owes $0.90 for every $1 it owns (high), higher than 77% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Provident Financial Holdings, Inc. pay a dividend?
Yes. Provident Financial Holdings, Inc. pays 3.08% of its share price as dividends a year, higher than 55% of dividend-paying Financial Services companies in United States.
Is Provident Financial Holdings, Inc.'s revenue growing?
Revenue rose 3% in the year to Jun 2026, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.