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PROVIDENT FINANCIAL HOLDINGS INC (PROV) Stock Forecast 2025 - AI Price Prediction & Analysis


PROVIDENT FINANCIAL HOLDINGS INC (PROV) AI Stock Price Forecast & Investment Analysis

PROVIDENT FINANCIAL HOLDINGS INC Stock Price Chart and Technical Analysis

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PROVIDENT FINANCIAL HOLDINGS INC (PROV) - Comprehensive Stock Analysis & Investment Research

Deep dive into PROVIDENT FINANCIAL HOLDINGS INC's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about PROVIDENT FINANCIAL HOLDINGS INC, including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For PROVIDENT FINANCIAL HOLDINGS INC: PROVIDENT FINANCIAL HOLDINGS INC operates in the Finance sector, making it an emerging small-cap investment.

PROVIDENT FINANCIAL HOLDINGS INC (Stock Symbol: PROV) is a leading company in the Finance sector , specifically operating within the Savings Institution, Federally Chartered industry.

The organization employs approximately 189 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing PROVIDENT FINANCIAL HOLDINGS INC's revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For PROVIDENT FINANCIAL HOLDINGS INC: With $39M in annual revenue and 28.3% net margin, the company demonstrates exceptional profitability.

Annual Revenue: $39 million generating a 28.3% net profit margin .

Market Capitalization: $103 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 7.9% - Below-average shareholder return efficiency, indicating areas for operational improvement.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for PROVIDENT FINANCIAL HOLDINGS INC stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Accuracy scores show historical prediction reliability.

For PROVIDENT FINANCIAL HOLDINGS INC: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for PROVIDENT FINANCIAL HOLDINGS INC stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: PROVIDENT FINANCIAL HOLDINGS INC's competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For PROVIDENT FINANCIAL HOLDINGS INC: Strong free cash flow generation demonstrates developing operational efficiency.

PROVIDENT FINANCIAL HOLDINGS INC strategically competes in the highly dynamic Savings Institution, Federally Chartered marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $10 million annually, complemented by impressive -92.6% year-over-year cash flow growth.

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for PROVIDENT FINANCIAL HOLDINGS INC stock analysis.

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Deep dive into PROVIDENT FINANCIAL HOLDINGS INC's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if PROVIDENT FINANCIAL HOLDINGS INC stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For PROVIDENT FINANCIAL HOLDINGS INC: With a P/E ratio of 16.50, the market moderately values the company's earnings.

P/E Ratio 16.50x
P/B Ratio 0.80x
Market Cap $103M
Dividend Yield 0.04%
EPS $0.93
Book Value/Share $19.54
Revenue/Share $6.03
FCF/Share $5.02
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently PROVIDENT FINANCIAL HOLDINGS INC converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For PROVIDENT FINANCIAL HOLDINGS INC: An ROE of 7.9% indicates room for improvement in shareholder value creation.

ROE 7.9%
ROA 0.8%
Net Margin 28.3%
EBT Margin 38.8%
Tax Rate 27.2%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess PROVIDENT FINANCIAL HOLDINGS INC's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For PROVIDENT FINANCIAL HOLDINGS INC:

D/E Ratio 0.63x
Financial Leverage 9.31x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal PROVIDENT FINANCIAL HOLDINGS INC's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For PROVIDENT FINANCIAL HOLDINGS INC: Free cash flow of $10M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $10M
Free Cash Flow $10M
OCF Growth YoY -92.6%
FCF Growth YoY -92.8%
FCF/Sales 27.8%
CapEx/Sales 0.3%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively PROVIDENT FINANCIAL HOLDINGS INC uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For PROVIDENT FINANCIAL HOLDINGS INC: An asset turnover of 0.03x suggests room for improvement in asset utilization.

Asset Turnover 0.03x
Fixed Assets Turnover 3.8x
Understanding Financial Statement Data

What these metrics mean: Key figures from PROVIDENT FINANCIAL HOLDINGS INC's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For PROVIDENT FINANCIAL HOLDINGS INC: With annual revenue of $39M, PROVIDENT FINANCIAL HOLDINGS INC represents a smaller but potentially high-growth operation.

Income Statement ($ Millions)
Total Revenue $39M
Net Income $5M
SG&A Expense $43M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 5%
Total Liabilities 89%
Accounts Receivable 0%
Dividend & Shareholder Information
Dividends Per Share $0.57
Payout Ratio 0.5%
Shares Outstanding 7M
Growth Metrics (YoY)
EPS Growth 6.6%

Latest PROVIDENT FINANCIAL HOLDINGS INC Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting PROVIDENT FINANCIAL HOLDINGS INC (PROV) stock price and investment outlook.

PROVIDENT FINANCIAL HOLDINGS INC Competitors & Peer Analysis - Finance Sector

Comparative analysis of PROVIDENT FINANCIAL HOLDINGS INC against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
AX Unlock Forecast - 30 Days FREE Trial $4276M 9.9x 1.6x
BCBP Unlock Forecast - 30 Days FREE Trial $136M 26.3x 0.4x
BFIN Unlock Forecast - 30 Days FREE Trial $176M 11.2x 1.0x
BKU Unlock Forecast - 30 Days FREE Trial $2725M 10.6x 0.9x
BVFL Unlock Forecast - 30 Days FREE Trial $152M 14.2x 0.8x
BYFC Unlock Forecast - 30 Days FREE Trial $60M 31.1x 0.2x
CARV Unlock Forecast - 30 Days FREE Trial $15M -2.3x 0.5x
CFFN Unlock Forecast - 30 Days FREE Trial $818M 13.4x 0.8x
CLBK Unlock Forecast - 30 Days FREE Trial $1436M 232.9x 1.3x
CLST Unlock Forecast - 30 Days FREE Trial $55M 25.3x 0.7x
CZWI Unlock Forecast - 30 Days FREE Trial $151M 12.1x 0.8x
EBC Unlock Forecast - 30 Days FREE Trial $3780M 8.3x 1.0x
FCAP Unlock Forecast - 30 Days FREE Trial $134M 10.2x 1.1x
FDSB Unlock Forecast - 30 Days FREE Trial $74M 28.6x 0.6x
FFBW Unlock Forecast - 30 Days FREE Trial $79M 37.3x 1.0x
FGBI Unlock Forecast - 30 Days FREE Trial $97M 25.6x 0.4x
FGBIP Unlock Forecast - 30 Days FREE Trial $244M 60.2x 0.9x
FMAO Unlock Forecast - 30 Days FREE Trial $325M 11.0x 0.9x
FNRN Unlock Forecast - 30 Days FREE Trial $205M 10.0x 1.1x
FNWD Unlock Forecast - 30 Days FREE Trial $140M 26.3x 0.9x
FSEA Unlock Forecast - 30 Days FREE Trial $54M -9.9x 0.9x
HFBL Unlock Forecast - 30 Days FREE Trial $44M 11.3x 0.8x
IROQ Unlock Forecast - 30 Days FREE Trial $87M 20.2x 1.1x
KRNY Unlock Forecast - 30 Days FREE Trial $418M 16.0x 0.6x
MFBI Unlock Forecast - 30 Days FREE Trial $6M x 0.5x
MGNO Unlock Forecast - 30 Days FREE Trial $9M x 0.5x
MSVB Unlock Forecast - 30 Days FREE Trial $48M 29.6x 1.4x
NFBK Unlock Forecast - 30 Days FREE Trial $445M 12.6x 0.6x
NRIM Unlock Forecast - 30 Days FREE Trial $111M 2.5x 0.4x
NSTS Unlock Forecast - 30 Days FREE Trial $59M 184.3x 0.8x
PDLB Unlock Forecast - 30 Days FREE Trial $341M 19.6x 0.7x
PFS Unlock Forecast - 30 Days FREE Trial $2358M 10.2x 0.9x
PROV Unlock Forecast - 30 Days FREE Trial $103M 16.5x 0.8x
RVSB Unlock Forecast - 30 Days FREE Trial $106M 20.6x 0.7x
SFBC Unlock Forecast - 30 Days FREE Trial $115M 18.3x 1.1x
TCBC Unlock Forecast - 30 Days FREE Trial $86M 2329.5x 1.1x
TFSL Unlock Forecast - 30 Days FREE Trial $3557M 42.8x 1.9x
WNEB Unlock Forecast - 30 Days FREE Trial $223M 18.4x 0.9x
WSBF Unlock Forecast - 30 Days FREE Trial $276M 13.3x 0.8x

Frequently Asked Questions - PROVIDENT FINANCIAL HOLDINGS INC Stock Forecast

How accurate are PROVIDENT FINANCIAL HOLDINGS INC stock predictions?

Our AI model demonstrates 59% historical accuracy for PROV predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence PROVIDENT FINANCIAL HOLDINGS INC stock price forecasts?

Our analysis considers PROVIDENT FINANCIAL HOLDINGS INC's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is PROVIDENT FINANCIAL HOLDINGS INC a good investment in 2025?

Based on our AI analysis, PROVIDENT FINANCIAL HOLDINGS INC shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are PROVIDENT FINANCIAL HOLDINGS INC forecasts updated?

PROVIDENT FINANCIAL HOLDINGS INC stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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