Stock fact sheet · data as of
Provident Financial Holdings, Inc. (PROV): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is PROV undervalued?
PROV closed at 18.15 on 16 Oct 2026, which is 14% above the GLS average fair value of 15.88 from 9 models. 6 of them value the shares below today's price. Our screens read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between GLS Growth (3.06) and 10 Cap (37.12). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files PROV under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for PROV
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 13.82 | -24% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 21.59 | +19% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 16.86 | -7% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.18 | -77% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.06 | -83% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 37.12 | +105% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 26.43 | +46% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.24 | -55% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 11.61 | -36% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -164.97 | -1009% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 18.00 | -1% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Provident Financial Holdings, Inc. scores 9 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 4.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.3%, ROE 5.3%, ROA 0.6% - with debt at 1.24 times equity and a free-cash-flow yield of 7.8%.
The dividend yield is 3.09% at a payout ratio of 54%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Debit Card 57%, Deposit Account 44% (quarter Q4 FY2026).
Institutional ownership scores 6/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 9 / 9 | ROIC | 2.3% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 5.3% |
| Debt / equity | 1.24 | ROA | 0.6% |
| Free-cash-flow yield | 7.8% | Payout ratio | 54% |
| Institutions | 6 / 10 | Insiders · Congress | 4 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Provident Financial Holdings, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 30k shares a day on a market cap of $113M, with a beta of 0.32 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 7 / 25 | -14% margin of safety | |
| Health | 20 / 20 | Piotroski 9/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 30k shares/day, $113M cap, beta 0.32 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Provident Financial Holdings, Inc. reports earnings on 27 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Provident Financial Holdings, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| UNB Union Bankshares, Inc. | 22.89 | 44.70 | +49% | 39No options | $113M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.83 | +75% | 39No options | $113M |
| OXBC Oxford Bank Corporation | 46.10 | 95.47 | +52% | 39No options | $114M |
| SFBC Sound Financial Bancorp, Inc. | 43.21 | 39.26 | -10% | 35No options | $111M |
| NWPP New Peoples Bankshares, Inc. | 4.91 | 8.22 | +40% | 39No options | $116M |
| WSBK Winchester Bancorp, Inc. Common Stock | 12.91 | 10.68 | -21% | 31No options | $116M |
| OFED Oconee Federal Financial Corp. | 19.00 | 12.59 | -51% | 26No options | $111M |
| TYBT Trinity Bank, N.A. | 101.00 | 171.87 | +41% | 39No options | $110M |
| BSBK Bogota Financial Corp. | 9.13 | 6.67 | -37% | 36No options | $117M |
| CZBS Citizens Bancshares Corporation | 66.90 | 135.37 | +51% | 39No options | $117M |
| PTBS Potomac Bancshares, Inc. | 26.44 | 38.77 | +32% | 39No options | $110M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.82 | +5% | 33No options | $110M |
⚖ Compare PROV with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PROV
Is PROV undervalued right now?
No: at 18.15 the stock trades 14% above the GLS average fair value of 15.88 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of PROV and what does it mean?
PROV has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for PROV?
15.88 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Provident Financial Holdings, Inc. report earnings next?
The next earnings report is due on 27 Oct 2026 (before the open), 11 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does PROV have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PROV, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.