Provident Financial Holdings, Inc. (PROV) P/E Ratio History
Premium ValuationTrading at 18.4x vs 5Y avg 13.9x · 95th percentile · Premium to historical baseline · Data 1997–2026
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P/E Ratio Analysis
As of June 13, 2026, Provident Financial Holdings, Inc. (PROV) trades at a price-to-earnings ratio of 18.4x, with a stock price of $17.11 and trailing twelve-month earnings per share of $1.01.
The current P/E is 32% above its 5-year average of 13.9x. Over the past five years, PROV's P/E has ranged from a low of 10.5x to a high of 21.7x, placing the current valuation at the 95th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, PROV trades at a 33% premium to its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
Relative to the broader market, PROV trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PROV DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PROV Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PROV P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 14.1 | 4.58 | +5% | |
| $6B | 11.7 | 0.89 | +20% | |
| $2B | 16.1 | 1.96 | +16% | |
| $553M | 20.9 | - | +130% | |
| $446M | 10.3Lowest | 0.61Best | -7% | |
| $1B | 15.9 | 7.77 | +79% | |
| $979M | 17.0 | 4.69 | +26% | |
| $987M | 14.8 | 1.70 | +58% | |
| $524M | 28.6 | - | +151% | |
| $2B | 40.6 | - | +564%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PROV Historical P/E Data (1997–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q2 | Dec 31 2025 | $15.91 | $0.99 | 16.1x | -12% |
| FY2026 Q1 | - | $15.75 | $0.90 | 17.5x | -5% |
| FY2025 Q4 | Jun 30 2025 | $15.50 | $0.93 | 16.7x | -9% |
| FY2025 Q3 | Mar 31 2025 | $14.59 | $0.97 | 15.0x | -18% |
| FY2025 Q2 | - | $15.91 | $0.91 | 17.5x | -5% |
| FY2025 Q1 | Sep 30 2024 | $14.35 | $1.09 | 13.2x | -28% |
| FY2024 Q4 | Jun 30 2024 | $12.50 | $1.06 | 11.8x | -36% |
| FY2024 Q3 | Mar 31 2024 | $13.38 | $1.04 | 12.9x | -30% |
| FY2024 Q2 | Dec 31 2023 | $12.61 | $1.15 | 11.0x | -40% |
| FY2024 Q1 | Sep 30 2023 | $13.09 | $1.17 | 11.2x | -39% |
| FY2023 Q4 | Jun 30 2023 | $12.75 | $1.21 | 10.5x | -43% |
| FY2023 Q3 | Mar 31 2023 | $13.63 | $1.29 | 10.6x | -42% |
| FY2023 Q2 | Dec 31 2022 | $13.77 | $1.19 | 11.6x | -37% |
| FY2023 Q1 | Sep 30 2022 | $14.20 | $1.16 | 12.2x | -33% |
| FY2022 Q4 | - | $14.83 | $1.22 | 12.2x | -34% |
| FY2022 Q3 | - | $16.54 | $1.32 | 12.5x | -32% |
| FY2022 Q2 | Dec 31 2021 | $16.53 | $1.30 | 12.7x | -31% |
| FY2022 Q1 | - | $16.85 | $1.16 | 14.5x | -21% |
| FY2021 Q4 | Jun 30 2021 | $17.27 | $1.01 | 17.1x | -7% |
| FY2021 Q3 | Mar 31 2021 | $16.90 | $0.78 | 21.7x | +18% |
| FY2021 Q2 | - | $15.71 | $0.72 | 21.8x | +19% |
| FY2021 Q1 | Sep 30 2020 | $11.90 | $0.87 | 13.7x | -26% |
| FY2020 Q4 | - | $13.41 | $1.00 | 13.4x | -27% |
| FY2020 Q3 | - | $15.23 | $0.89 | 17.1x | -7% |
| FY2020 Q2 | - | $21.90 | $0.72 | 30.4x | +66% |
| FY2020 Q1 | Sep 30 2019 | $20.75 | $0.67 | 31.0x | +69% |
| FY2019 Q4 | Jun 30 2019 | $20.99 | $0.58 | 36.2x | +97% |
| FY2019 Q3 | Mar 31 2019 | $19.92 | $0.66 | 30.2x | +64% |
| FY2019 Q2 | Dec 31 2018 | $15.50 | $0.91 | 17.0x | -7% |
| FY2019 Q1 | Sep 30 2018 | $18.30 | $0.55 | 33.3x | +81% |
| FY2018 Q4 | Jun 30 2018 | $19.08 | $0.28 | 68.1x | +271% |
| FY2018 Q3 | Mar 31 2018 | $18.09 | $0.22 | 82.2x | +348% |
| FY2018 Q2 | Dec 31 2017 | $18.40 | $0.13 | 141.5x | +671% |
| FY2018 Q1 | Sep 30 2017 | $19.60 | $0.41 | 47.8x | +160% |
| FY2017 Q4 | Jun 30 2017 | $19.25 | $0.64 | 30.1x | +64% |
| FY2017 Q3 | Mar 31 2017 | $18.65 | $0.86 | 21.7x | +18% |
| FY2017 Q2 | Dec 31 2016 | $20.22 | $0.90 | 22.5x | +22% |
| FY2017 Q1 | Sep 30 2016 | $19.56 | $0.83 | 23.6x | +28% |
| FY2016 Q4 | - | $18.30 | $0.91 | 20.1x | +10% |
| FY2016 Q3 | - | $17.05 | $0.85 | 20.1x | +9% |
| FY2016 Q2 | - | $18.89 | $0.96 | 19.7x | +7% |
| FY2016 Q1 | Sep 30 2015 | $16.78 | $1.10 | 15.3x | -17% |
| FY2015 Q4 | - | $16.74 | $1.07 | 15.6x | -15% |
| FY2015 Q3 | - | $15.99 | $1.01 | 15.8x | -14% |
| FY2015 Q2 | Dec 31 2014 | $15.13 | $0.86 | 17.6x | -4% |
| FY2015 Q1 | - | $14.59 | $0.77 | 18.9x | +3% |
| FY2014 Q4 | Jun 30 2014 | $14.54 | $0.66 | 22.0x | +20% |
| FY2014 Q3 | Mar 31 2014 | $15.42 | $0.93 | 16.6x | -10% |
| FY2014 Q2 | - | $15.00 | $1.24 | 12.1x | -34% |
| FY2014 Q1 | Sep 30 2013 | $16.61 | $1.72 | 9.7x | -47% |
| FY2013 Q4 | Jun 30 2013 | $15.88 | $2.30 | 6.9x | -62% |
| FY2013 Q3 | Mar 31 2013 | $17.01 | $2.20 | 7.7x | -58% |
| FY2013 Q2 | Dec 31 2012 | $17.50 | $1.96 | 8.9x | -51% |
| FY2013 Q1 | Sep 30 2012 | $14.21 | $1.48 | 9.6x | -48% |
| FY2012 Q4 | Jun 30 2012 | $11.53 | $0.96 | 12.0x | -35% |
| FY2012 Q3 | Mar 31 2012 | $10.93 | $0.75 | 14.6x | -21% |
| FY2012 Q2 | Dec 31 2011 | $9.32 | $0.74 | 12.6x | -31% |
| FY2012 Q1 | Sep 30 2011 | $8.74 | $0.95 | 9.2x | -50% |
| FY2011 Q4 | - | $8.01 | $1.15 | 7.0x | -62% |
| FY2011 Q3 | - | $8.29 | $1.25 | 6.6x | -64% |
| FY2011 Q2 | Dec 31 2010 | $7.24 | $1.08 | 6.7x | -63% |
| FY2011 Q1 | - | $5.82 | $1.08 | 5.4x | -71% |
| FY2009 Q1 | - | $8.80 | $0.09 | 97.8x | +432% |
| FY2008 Q4 | Jun 30 2008 | $9.44 | $0.16 | 59.0x | +221% |
| FY2008 Q3 | Mar 31 2008 | $15.95 | $0.76 | 21.0x | +14% |
| FY2008 Q2 | Dec 31 2007 | $16.46 | $1.00 | 16.5x | -10% |
| FY2008 Q1 | Sep 30 2007 | $22.27 | $1.05 | 21.2x | +16% |
| FY2007 Q4 | Jun 30 2007 | $25.00 | $1.70 | 14.7x | -20% |
| FY2007 Q3 | Mar 31 2007 | $27.51 | $1.95 | 14.1x | -23% |
| FY2007 Q2 | Dec 31 2006 | $30.42 | $2.05 | 14.8x | -19% |
| FY2007 Q1 | Sep 30 2006 | $30.14 | $3.06 | 9.8x | -46% |
| FY2006 Q4 | Jun 30 2006 | $30.00 | $3.00 | 10.0x | -46% |
| FY2006 Q3 | Mar 31 2006 | $32.60 | $3.16 | 10.3x | -44% |
| FY2006 Q2 | Dec 31 2005 | $26.30 | $3.31 | 7.9x | -57% |
| FY2006 Q1 | Sep 30 2005 | $28.05 | $2.79 | 10.1x | -45% |
| FY2005 Q4 | - | $28.11 | $2.68 | 10.5x | -43% |
| FY2005 Q3 | - | $29.74 | $2.59 | 11.5x | -37% |
| FY2005 Q2 | Dec 31 2004 | $28.81 | $2.52 | 11.4x | -38% |
| FY2005 Q1 | - | $29.00 | $2.24 | 12.9x | -29% |
| FY2004 Q4 | Jun 30 2004 | $23.65 | $2.13 | 11.1x | -40% |
| FY2004 Q3 | Mar 31 2004 | $25.98 | $2.18 | 11.9x | -35% |
| FY2004 Q2 | Dec 31 2003 | $24.18 | $2.22 | 10.9x | -41% |
| FY2004 Q1 | - | $20.01 | $2.30 | 8.7x | -53% |
| FY2003 Q4 | Jun 30 2003 | $19.56 | $2.27 | 8.6x | -53% |
| FY2003 Q3 | Mar 31 2003 | $18.90 | $1.90 | 9.9x | -46% |
| FY2003 Q2 | - | $17.65 | $1.54 | 11.5x | -38% |
| FY2003 Q1 | Sep 30 2002 | $15.67 | $1.34 | 11.7x | -36% |
| FY2002 Q4 | Jun 30 2002 | $14.93 | $1.14 | 13.1x | -29% |
| FY2002 Q3 | Mar 31 2002 | $13.15 | $1.18 | 11.1x | -39% |
| FY2002 Q2 | Dec 31 2001 | $11.56 | $1.22 | 9.5x | -48% |
| FY2002 Q1 | Sep 30 2001 | $10.56 | $1.16 | 9.1x | -50% |
| FY2001 Q4 | Jun 30 2001 | $10.34 | $1.11 | 9.3x | -49% |
| FY2001 Q3 | Mar 31 2001 | $9.47 | $1.03 | 9.2x | -50% |
| FY2001 Q2 | Dec 31 2000 | $9.00 | $0.94 | 9.6x | -48% |
| FY2001 Q1 | Sep 30 2000 | $8.42 | $0.91 | 9.3x | -50% |
| FY2000 Q4 | Jun 30 2000 | $6.19 | $0.88 | 7.0x | -62% |
| FY2000 Q3 | Mar 31 2000 | $6.25 | $1.23 | 5.1x | -72% |
| FY2000 Q2 | Dec 31 1999 | $7.33 | $1.24 | 5.9x | -68% |
| FY2000 Q1 | - | $7.72 | $1.19 | 6.5x | -65% |
| FY1999 Q4 | Jun 30 1999 | $8.89 | $1.17 | 7.6x | -59% |
| FY1999 Q3 | Mar 31 1999 | $7.39 | $0.67 | 11.0x | -40% |
| FY1999 Q2 | - | $7.58 | $0.58 | 13.1x | -29% |
| FY1999 Q1 | Sep 30 1998 | $7.22 | $0.53 | 13.6x | -26% |
| FY1998 Q4 | - | $9.22 | $0.51 | 18.1x | -2% |
| FY1998 Q3 | - | $10.44 | $0.48 | 21.8x | +18% |
| FY1998 Q2 | Dec 31 1997 | $9.72 | $0.47 | 20.7x | +13% |
| FY1998 Q1 | - | $8.78 | $0.42 | 20.8x | +14% |
| FY1997 Q4 | Jun 30 1997 | $7.39 | $0.17 | 43.2x | +135% |
Average P/E for displayed period: 18.4x
What if you invested $1,000 in PROV back in 1997?
Total return with dividends reinvested · 29+ years of data
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Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs PROV Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowPROV — Frequently Asked Questions
Quick answers to the most common questions about buying PROV stock.
What is PROV's P/E ratio?
Provident Financial Holdings, Inc. (PROV) trailing twelve-month P/E ratio is 18.4x, based on TTM diluted EPS of $1.01. The 5-year average P/E is 13.9x and the historical range spans 10.5x to 21.7x.
Is PROV stock overvalued or undervalued?
PROV trades at 18.4x P/E, above its 5-year average of 13.9x. The 95th percentile ranking within the 10.5x–21.7x historical range indicates a premium to historical valuation.
Is PROV stock expensive?
Yes, PROV is expensive relative to its own history. The current P/E of 18.4x is above the 5-year average of 13.9x and also above the Financial Services sector median of 13.9x. The stock sits at the 95th percentile of its 5-year valuation range.
What is PROV's historical P/E range?
Over the past 5 years, PROV's P/E ratio has ranged from 10.5x to 21.7x, with a median of 12.9x and an average of 13.9x. The current P/E of 18.4x places the stock at the 95th percentile of this range. Full historical data spans 1997–2026.
How does PROV's P/E compare to the S&P 500?
PROV trades at 18.4x P/E versus the S&P 500 median of 25.1x. The 27% discount to the market suggests lower growth expectations or perceived higher risk.
How does PROV's valuation compare to Financial Services peers?
Provident Financial Holdings, Inc. P/E of 18.4x compares to the Financial Services sector median of 13.9x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PROV's PEG ratio?
PROV PEG ratio is N/A, based on a P/E of 18.4x and EPS growth of -12.3%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is PROV's earnings yield?
PROV earnings yield is 5.44%, the inverse of its 18.4x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.