PROVIDENT FINANCIAL HOLDINGS INC(PROV)Stock Analysis
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Rank #2,294 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
PROV Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for PROVIDENT FINANCIAL HOLDINGS INC (PROV), a Financials sector company. 13F Pro's AI-powered ranking engine scores PROV at 35.8/100 on a 32-signal composite quality model, placing it at rank #2,294 of 2,962 stocks — the bottom half of the AI-ranked universe. PROV scores in the top quartile across profitability (75.7). Areas of concern include revenue scale (7.2) and institutional flow (19.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 46.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), PROVIDENT FINANCIAL HOLDINGS INC reports quarterly revenue of $10.6M, net income of $2.2M, an operating margin of 27.8%. Top institutional holders of PROV by reported 13-F value include DIMENSIONAL FUND ADVISORS, RAFFLES ASSOCIATES, Fourthstone, based on the most recent SEC filings. PROV trades on the Nasdaq exchange and files with the SEC under CIK 1010470. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PROV daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PROVIDENT FINANCIAL HOLDINGS INC directly from SEC EDGAR. PROVIDENT FINANCIAL HOLDINGS INC's 13F Pro composite quality score has ranged between 31 and 36 since 2026, currently 35.8 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q2 2026
$10.6M
Net Income
Q2 2026
$2.2M
Free Cash Flow
Q2 2026
$3.3M
Operating Margin
Q2 2026
27.8%
ROIC
Q2 2026
9.3%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+2.7% YoYNet Income
+6.4% YoYEPS (Diluted)
+10.8% YoYTotal Assets
-3.0% YoYOp. Cash Flow
+3.3% YoYFree Cash Flow
+4.7% YoY| Metric | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $40.1M +2.7% | $39.0M +0.3% | $38.9M -5.3% | $41.1M +13.1% | $36.3M +3.1% | $35.2M |
| Net Income | $6.7M +6.4% | $6.3M -14.9% | $7.4M -14.4% | $8.6M -5.5% | $9.1M +20.3% | $7.6M |
| EPS (Diluted) | $1.03 +10.8% | $0.93 -12.3% | $1.06 -10.9% | $1.19 -2.5% | $1.22 +22.0% | $1.00 |
| Total Assets | $1.21B -3.0% | $1.25B -2.1% | $1.27B -4.6% | $1.33B +12.3% | $1.19B +0.3% | $1.18B |
| Operating Cash Flow | $9.0M +3.3% | $8.7M +52.8% | $5.7M -65.2% | $16.3M +38.4% | $11.8M +1.9% | $11.6M |
| Free Cash Flow | $8.5M +4.7% | $8.2M +99.1% | $4.1M -73.7% | $15.6M +34.0% | $11.6M +2.5% | $11.3M |
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Available Research
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Top Institutional Holders of PROV
DIMENSIONAL FUND ADVISORS LP
$8.4M490,819 shRAFFLES ASSOCIATES LP
$6.7M391,118 shFourthstone LLC
$6.4M369,973 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$5.2M303,733 shAMERIPRISE FINANCIAL INC
$4.8M281,949 shBlackRock, Inc.
$4.8M281,656 shVANGUARD CAPITAL MANAGEMENT LLC
$4.1M239,883 shM3F, Inc.
$4.1M239,094 shRENAISSANCE TECHNOLOGIES LLC
$3.6M211,347 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.2M69,795 sh
| Fund | Value | Shares |
|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $8.4M | 490,819 |
| RAFFLES ASSOCIATES LP | $6.7M | 391,118 |
| Fourthstone LLC | $6.4M | 369,973 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $5.2M | 303,733 |
| AMERIPRISE FINANCIAL INC | $4.8M | 281,949 |
| BlackRock, Inc. | $4.8M | 281,656 |
| VANGUARD CAPITAL MANAGEMENT LLC | $4.1M | 239,883 |
| M3F, Inc. | $4.1M | 239,094 |
| RENAISSANCE TECHNOLOGIES LLC | $3.6M | 211,347 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.2M | 69,795 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is PROV a good stock to buy?
13F Pro's AI-powered analysis of PROVIDENT FINANCIAL HOLDINGS INC (PROV) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PROV are available on the PROV stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PROV is classified as a small company.
Which hedge funds own PROV?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PROV. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PROVIDENT FINANCIAL HOLDINGS INC's investment landscape.