Fairvalue-Calculator Fairvalue-Calculator
EN DE

Provident Financial Holdings (PROV) Fair Value & Analysis

Financial Services · US · Market cap $105M

Price$17.17
Fair Value$13.00
Upside-24.3%
Quality95/100
Evidence: High Range $9.75 – $16.25

Fair value as of: Jun 26, 2026

Analysis

Provident Financial Holdings (PROV) currently trades at $17.17, while our model-based Fair Value estimate is $13.00 — implying the stock looks roughly 24.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +77% PT Bank Central Asia Tbk (BBCA) +15% KB Financial Group (105560) +12% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +21%

Frequently asked questions

Is Provident Financial Holdings (PROV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $13.00 versus a price of $17.17 — about −24% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PROV?
Our 21-model fair value for Provident Financial Holdings is $13.00 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.17.
What is the quality score of PROV?
Provident Financial Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.