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Provident Financial Holdings, Inc.: Business Overview, Financials & Competitive Analysis

Provident Financial Holdings, Inc. scores 5/10 on the AskCyborg Cyborg Score (Mixed). Small-cap regional bank with stable operations facing earnings pressure and mixed analyst outlook. Recent Q4 2025 earnings missed analyst expectations on EPS ($0.22 vs. $0.30 estimate) but beat on revenue ($14.87M vs. $10.10M estimate). Analysts rate the stock a "Hold" with a consensus price target of $16.00, reflecting.

What is Provident Financial Holdings, Inc.'s industry? Provident Financial Holdings, Inc. (myprovident.com) operates in Community Banking / Regional Finance. AskCyborg classifies Provident Financial Holdings, Inc. under Community Banking / Regional Finance in its company registry.

Provident Financial Holdings operates as the bank holding company for Provident Savings Bank, F.S.B., providing community banking and financial services in Southern California. The company offers deposit products, len...

5/ 10Mixed

Cyborg Score thesis

Small-cap regional bank with stable operations facing earnings pressure and mixed analyst...

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Industry Community Banking / Regional Finance
2 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
Provident Financial Holdings, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Provident Financial Holdings, Inc. Overview

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Provident Financial Holdings operates as the bank holding company for Provident Savings Bank, F.S.B., providing community banking and financial services in Southern California. The company offers deposit products, lending services including mortgages and commercial loans, and wealth management services.

Strategic Profile

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The company serves individuals, small to mid-sized businesses, and institutional clients. Provident maintains stable low volatility with a 2% weekly volatility over the past year, positioning itself as a conservative regional financial institution. The company has a market cap of approximately $102 million with a P/E ratio of 16.16.

Competitive Landscape

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Provident competes with other regional community banks and larger national banks in Southern California. The company's P/E ratio of 16.7x is slightly below the broader US market at 18.2x, suggesting modest valuation relative to peers. Primary competitors include other regional savings banks and community financial institutions serving the Inland Empire region.

Industry Context

Provident Financial Holdings, Inc. operates in Community Banking / Regional Finance.

Key facts

Founded: 1956 · Headquarters: Riverside, California · Revenue: $14.87M · Market cap: $102M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Provident Financial Holdings, Inc..

  • Weiss Ratings maintains a "hold" rating while Zacks upgraded from "strong sell" to "hold" in late 2025
  • Company declared quarterly dividend of $0.14 per share (3.45% yield)
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Recent developments

Material events tracked by the AskCyborg corpus.

  • March 2026M3F Inc. reduced stake by 8.8%
  • January 2026Q4 2025 earnings reported: $0.22 EPS, $14.87M revenue
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community BankingRegional competitors in Southern California banking market→Retail Banking ServicesLarger national banking competitors with broader service offerings→

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Industry context

Provident Financial Holdings, Inc. operates in Community Banking / Regional Finance. See how the rest of the sector scores on the Cyborg framework.

Top companies in Community Banking by Cyborg Score

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Frequently asked questions

What does Provident Financial Holdings, Inc. do?+
Provident Financial Holdings operates as the bank holding company for Provident Savings Bank, F.S.B., providing community banking and financial services in Southern California. The company offers deposit products, len...
What is Provident Financial Holdings, Inc.'s Cyborg Score?+
Provident Financial Holdings, Inc. has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Provident Financial Holdings, Inc.'s main competitors?+
Named competitors include Community Banking, Retail Banking Services. The full competitive landscape is in the AskCyborg report.
How can I get the full Provident Financial Holdings, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Provident Financial Holdings, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Community Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

7Civista Bancshares, Inc.7Hingham Institution for Savings7Origin Bancorp, Inc.7Parke Bancorp, Inc.7Peoples Financial Services Corp.7Timberland Bancorp, Inc.6Community Trust Bancorp, Inc.6HomeTrust Bancshares, Inc.6Kearny Financial Corp.6Southern States Bancshares, Inc.Top companies in Community Banking by Cyborg Score