Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Provident Financial Holdings, Inc.'s quarterly P/E stands at 18.1x, down 40.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 11.1% YoY to 32.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.40 | 18.08 | 15.75 | 16.15 | 13.03 | 30.60 | 12.81 | 11.16 | 15.20 | 10.17 | 13.09 | 12.26 | 10.33 |
| — | -40.9% | +22.9% | +44.7% | -14.3% | +200.9% | -2.1% | -9.0% | +47.2% | -2.5% | +6.9% | +12.4% | -42.6% | |
| P/S Ratio | 1.81 | 1.75 | 1.77 | 1.72 | 1.60 | 1.82 | 1.64 | 1.40 | 1.58 | 1.51 | 1.63 | 1.60 | 1.87 |
| — | -3.9% | +7.6% | +22.9% | +1.2% | +20.1% | +0.8% | -12.7% | -15.6% | -26.3% | -31.5% | -38.7% | -42.7% | |
| P/B Ratio | 0.90 | 0.82 | 0.82 | 0.80 | 0.76 | 0.84 | 0.76 | 0.66 | 0.72 | 0.68 | 0.71 | 0.70 | 0.75 |
| — | -3.0% | +8.6% | +21.0% | +6.4% | +23.8% | +6.7% | -4.6% | -4.8% | -11.9% | -11.4% | -17.6% | -21.7% | |
| P/FCF | 13.38 | 20.57 | 10.80 | 11.90 | 7.46 | 88.01 | 10.31 | — | 8.96 | — | 8.21 | 5.04 | 3.76 |
| — | -76.6% | +4.7% | — | -16.8% | — | +25.5% | — | +138.4% | — | -35.1% | -18.6% | -80.6% | |
| EV / EBITDA | 21.77 | 32.02 | 19.01 | 20.29 | 19.40 | 36.02 | 20.87 | 18.94 | 23.82 | 18.70 | 20.72 | 18.04 | 14.86 |
| — | -11.1% | -8.9% | +7.1% | -18.6% | +92.6% | +0.7% | +5.0% | +60.3% | +20.3% | +77.0% | +88.8% | +50.6% | |
| EV / EBIT | 30.32 | 32.02 | 24.64 | 28.52 | 24.76 | 62.92 | 27.87 | 24.77 | 32.63 | 23.44 | 27.02 | 23.01 | 18.37 |
| — | -49.1% | -11.6% | +15.1% | -24.1% | +168.4% | +3.2% | +7.7% | +77.7% | +23.4% | +77.5% | +96.4% | +23.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Provident Financial Holdings, Inc.'s operating margin was 13.8% in Q2 2026, down 4.5 pp QoQ and up 5.6 pp YoY. The trailing four-quarter average of 16.2% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 10.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.9% | 67.3% | 69.3% | 66.3% | 68.5% | 60.7% | 68.2% | 64.6% | 63.3% | 71.3% | 66.3% | 74.2% | 78.6% |
| — | +10.9% | +1.6% | +2.7% | +8.2% | -14.9% | +2.8% | -13.0% | -19.4% | -14.8% | -27.0% | -23.6% | -20.7% | |
| Operating Margin | 14.8% | 13.8% | 18.3% | 15.4% | 17.3% | 8.2% | 18.0% | 17.9% | 14.4% | 20.8% | 17.7% | 20.1% | 25.3% |
| — | +67.5% | +1.8% | -14.1% | +19.9% | -60.4% | +1.7% | -10.6% | -43.0% | -24.7% | -34.9% | -42.7% | -1.0% | |
| Net Margin | 10.4% | 9.7% | 11.2% | 10.9% | 12.1% | 5.9% | 12.7% | 12.7% | 10.2% | 14.7% | 12.5% | 12.9% | 17.9% |
| — | +64.7% | -11.4% | -14.5% | +18.7% | -60.2% | +1.5% | -1.3% | -43.0% | -24.7% | -34.8% | -45.8% | -1.3% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.8% | 1.1% | 1.3% | 1.3% | 1.4% | 0.7% | 1.5% | 1.5% | 1.2% | 1.7% | 1.4% | 1.4% | 1.8% |
| — | +66.2% | -10.6% | -16.1% | +25.0% | -59.2% | +7.6% | +7.9% | -35.8% | -9.9% | -16.0% | -27.4% | +35.1% | |
| ROA | 0.5% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.2% |
| — | +68.3% | -9.6% | -14.8% | +28.0% | -57.6% | +12.8% | +12.5% | -35.3% | -13.1% | -22.5% | -34.7% | +24.3% | |
| ROIC | 1.9% | 0.5% | 0.6% | 0.5% | 0.6% | 0.2% | 0.5% | 0.6% | 0.4% | 0.6% | 0.5% | 0.6% | 0.8% |
| — | +85.0% | +11.3% | -10.7% | +28.6% | -60.5% | +5.3% | -6.6% | -43.8% | -32.2% | -47.1% | -53.3% | -11.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Provident Financial Holdings, Inc.'s Debt/EBITDA ratio is 103.9x, up from 60.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 13.3% YoY to 0.07x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.66 | 1.67 | 1.66 | 1.66 | 1.67 | 1.91 | 1.93 | 1.84 | 1.81 | 1.87 | 1.82 | 1.81 | 1.58 |
| — | -12.4% | -13.8% | -9.7% | -7.8% | +2.0% | +5.8% | +1.3% | +14.5% | +34.3% | +104.3% | +174.3% | +152.7% | |
| Debt / EBITDA | 17.24 | 103.93 | 60.10 | 65.72 | 63.63 | 114.83 | 69.48 | 66.12 | 81.12 | 63.95 | 72.40 | 65.39 | 50.43 |
| — | -9.5% | -13.5% | -0.6% | -21.6% | +79.6% | -4.0% | +1.1% | +60.8% | +45.6% | +142.1% | +242.6% | +127.5% | |
| Current Ratio | 0.06 | 0.07 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.08 | 0.08 |
| — | +13.3% | -2.1% | -0.3% | -21.2% | +2.2% | -8.6% | -23.8% | -19.0% | +23.2% | +17.0% | +86.9% | -5.4% | |
| Quick Ratio | 0.06 | 0.07 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.08 | 0.08 |
| — | +13.3% | -2.1% | -0.3% | -21.2% | +2.2% | -8.6% | -23.8% | -19.0% | +23.2% | +17.0% | +86.9% | -5.4% | |
| Interest Coverage | 0.42 | 0.41 | 0.52 | 0.44 | 0.51 | 0.23 | 0.49 | 0.50 | 0.40 | 0.62 | 0.59 | 0.77 | 1.26 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Total return calculator · dividends reinvested
Calculate ReturnsDollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Compare NowQuick answers to the most common questions about buying PROV stock.
Provident Financial Holdings, Inc.'s current P/E is 18.4x. The average P/E over the last 4 quarters is 15.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Provident Financial Holdings, Inc.'s current operating margin is 14.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Provident Financial Holdings, Inc.'s business trajectory between earnings reports.