PROV
Provident Financial Holdings
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: PROV
- PE Ratio
The current PE ratio for Provident Financial Holdings stock as of Jun 2, 2026 is 18.18. This is calculated based on the TTM EPS of $0.93 and the stock price of $16.91 per share. The PE ratio has grown by 8% from its last 4 quarters average of 16.8.
PROV PE ratio history
The average historical PE ratio of Provident Financial Holdings for the last ten years is 24.42. The current price-to-earnings ratio of 18.18 is 26% less than the historical average. Analyzing the last ten years, PROV's PE ratio reached its highest point in the Dec 2017 quarter at 131.43, when the price was $18.4 and the EPS was $0.14. The lowest point was recorded in the Mar 2023 quarter, when it reached 10.57 with a price of $13.63 and an EPS of $1.29.
Provident Financial Holdings PE ratio by year
Maximum annual increase: 232.31% in 2014
Maximum annual decrease: -81.28% in 2011
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 16.67 | 41.39% | $15.5 | $0.93 |
| 2024 | 11.79 | 10.91% | $12.5 | $1.06 |
| 2023 | 10.63 | -11.86% | $12.75 | $1.2 |
| 2022 | 12.06 | -29.47% | $14.83 | $1.23 |
| 2021 | 17.1 | 31.34% | $17.27 | $1.01 |
| 2020 | 13.02 | -63.41% | $13.41 | $1.03 |
| 2019 | 35.58 | -47.78% | $20.99 | $0.59 |
| 2018 | 68.14 | 133.6% | $19.08 | $0.28 |
| 2017 | 29.17 | 43.48% | $19.25 | $0.66 |
| 2016 | 20.33 | 32.36% | $18.3 | $0.9 |
| 2015 | 15.36 | -29.22% | $16.74 | $1.09 |
| 2014 | 21.7 | 232.31% | $14.54 | $0.67 |
| 2013 | 6.53 | -45.63% | $15.88 | $2.43 |
| 2012 | 12.01 | 73.81% | $11.53 | $0.96 |
| 2011 | 6.91 | -81.28% | $8.01 | $1.16 |
Provident Financial Holdings PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 17.33 | 8.93% | $16.12 | $0.93 |
| Dec 2025 | 15.91 | -8.09% | $15.91 | $1 |
| Sep 2025 | 17.31 | 3.84% | $15.75 | $0.91 |
| Jun 2025 | 16.67 | 11.95% | $15.5 | $0.93 |
| Mar 2025 | 14.89 | -13.88% | $14.59 | $0.98 |
| Dec 2024 | 17.29 | 32.49% | $15.91 | $0.92 |
| Sep 2024 | 13.05 | 10.69% | $14.35 | $1.1 |
| Jun 2024 | 11.79 | -8.39% | $12.5 | $1.06 |
| Mar 2024 | 12.87 | 17.32% | $13.38 | $1.04 |
| Dec 2023 | 10.97 | -1.97% | $12.61 | $1.15 |
| Sep 2023 | 11.19 | 5.27% | $13.09 | $1.17 |
| Jun 2023 | 10.63 | 0.57% | $12.75 | $1.2 |
| Mar 2023 | 10.57 | -8.64% | $13.63 | $1.29 |
| Dec 2022 | 11.57 | -5.47% | $13.77 | $1.19 |
| Sep 2022 | 12.24 | 1.49% | $14.2 | $1.16 |
PROV Price vs fair value
PROV average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, PROV's PE ratio is above its 3 and 5-year averages, but it is under its 10-year average.
PE comparison
Provident Financial Holdings's price to earnings (P/E) of 18.18 is higher than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 12.38, Provident Financial Holdings's price to earnings (P/E) is 47% higher.
PROV PE vs peers
When compared to its peer RVSB, PROV's PE ratio is lower, but it is higher than BANC's and WAFD's. Provident Financial Holdings's current PE ratio of 18.18 is more than the average of its peers, which is 13.98.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FSBW FS Bancorp Inc | 8.96 | $211.6M |
| TSBK Timberland Bancorp Inc | 10.24 | $314.14M |
| WAFD Washington Federal Inc | 11.26 | $2.55B |
| BANC Banc Of California Inc | 14.02 | $2.87B |
| PROV Provident Financial Holdings Inc | 18.17 | $105.69M |
| RVSB Riverview Bancorp Inc | 24.26 | $115.57M |
| BYFC Broadway Financial Corp | N/A | $88.33M |
| SMPL Simply Good Foods Co | N/A | $1.03B |
Frequently asked questions
What is Provident Financial Holdings's PE ratio?
The price to earnings ratio for PROV stock as of Jun 2, 2026, stands at 18.18.
What is the 3-year average PE ratio for Provident Financial Holdings (PROV)?
As an average over the last 3 years, PROV stock has a PE ratio of 14.16.
What is the 5-year average PE ratio for Provident Financial Holdings (PROV)?
As an average over the last 5 years, PROV stock has a PE ratio of 13.66.
What is the highest PE ratio for PROV?
Over the last ten years, the quarterly PE ratio reached its highest level at 131.43 in the Dec 2017 quarter.
How does the current PE ratio for PROV compare to its historical average?
The current PE ratio of PROV is 26% lower than the 10-year historical average.
How is PROV's PE ratio calculated (Provident Financial Holdings PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 2, 2026), Provident Financial Holdings's share price is $16.91. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.93. Therefore, Provident Financial Holdings's price to earnings ratio for today is 18.18. PE RATIO(18.18) = STOCK PRICE($16.91) / TTM EPS($0.93)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.