Provident Financial Holdings, Inc. — Cyborg Score 5/10
Mixed
Community Banking / Regional Finance
Strategic Profile
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.
Cyborg Score Rationale
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 neutral sentiment.
Top Insights
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)
M3F Inc. reduced its stake by 8.8% in Q3 2026, owning 366,036 shares
Analysts forecast 2026 EPS of approximately $0.90
Named Competitors
Community Banking — Regional competitors in Southern California banking market
Retail Banking Services — Larger national banking competitors with broader service offerings