PROV
Provident Financial Holdings, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+29/100
Last price
18.36
▲ 0.13 (0.71%)
MARKET · —
Price
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Tool
1D
—
H —
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Range —
Vol —
vs
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Open
—
Prev close
18.23
Day high
18.79
Day low
18.30
Volume
31.95K
Market cap
$114.46M
P/E (TTM)
17.83
52W range
14.95 – 18.99
Trailing performance
Returnvs SPY
1W
+0.27%
-1.7%
1M
-1.82%
-3.0%
3M
+6.87%
+2.3%
6M
+11.07%
-7.1%
YTD
+15.40%
+1.1%
1Y
+15.98%
-0.4%
3Y
+40.26%
-42.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PROV open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+5.26K
Net buying
Buy transactions
2
13.00K shares
Sell transactions
4
7.74K shares
Net transactions
+6
Buys less sells
Sell : buy shares
0.6 : 1
Mixed
Insider-held shares
1.29M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 30, 26 | WEBB MATTHEW Director |
CONVERSION | 7.00K | $84.63K | Direct |
| Jul 23, 26 | VAN STOCKUM MICHAEL SCOTT Officer |
STOCK | 6.00K | $0 | Direct |
| Jun 10, 26 | WEIANT DAVID S Officer |
SELL | 2.73K | $46.77K | Direct |
| Jun 8, 26 | WEIANT DAVID S Officer |
SELL | 1.01K | $17.20K | Direct |
| Jun 4, 26 | WEIANT DAVID S Officer |
SELL | 1.00K | $17.10K | Direct |
| Jun 1, 26 | WEIANT DAVID S Officer |
SELL | 3.00K | $50.76K | Direct |
| Nov 12, 25 | WERTZ GWENDOLYN L Officer |
SELL | 4.80K | $75.07K | Direct |
| Jun 10, 25 | WERTZ GWENDOLYN L Officer |
SELL | 1.94K | $29.88K | Direct |
| May 22, 25 | FAN PETER CHAI Chief Financial Officer |
STOCK | 7.50K | $0 | Direct |
| Dec 19, 24 | DEMIRDJIAN AVEDIS Officer |
STOCK | 5.00K | $0 | Direct |
| Nov 21, 24 | HARRIS GLEE ANN Officer |
STOCK | 5.00K | $0 | Direct |
| Oct 31, 24 | BLUNDEN CRAIG G Chairman of the Board |
SELL | 1.06K | $16.49K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BLUNDEN CRAIG G |
Chairman of the Board | 243.64K | Sale |
DEMIRDJIAN AVEDIS |
Officer | 5.00K | Stock Award(Grant) |
FAN PETER CHAI |
Chief Financial Officer | 7.50K | Stock Award(Grant) |
HARRIS GLEE ANN |
Officer | 5.00K | Stock Award(Grant) |
VAN STOCKUM MICHAEL SCOTT |
Officer | 16.01K | Stock Award(Grant) |
WEBB MATTHEW |
Director | 8.00K | Conversion of Exercise of derivative security |
WEIANT DAVID S |
Officer | 22.24K | Sale |
WERTZ GWENDOLYN L |
Officer | 27.83K | Sale |
Fundamentals
Market cap$114.46M
Enterprise value$224.39M
Revenue (TTM)$40.61M
Gross profit$40.61M
EBITDA—
Net income$6.66M
EPS (TTM)$1.03
Free cash flow—
Total cash$49.21M
Total debt$159.15M
Book value / share$20.15
Shares outstanding6.23M
Float4.22M
Short % of float0.41%
Dividend yield3.06%
Beta (5Y)0.31
Valuation & profitability ratios
Trailing P/E17.83
Forward P/E14.46
PEG ratio4.00
Price / sales—
Price / book0.91
EV / revenue5.53
EV / EBITDA—
Gross margin0.00%
Operating margin29.02%
Profit margin16.39%
Return on equity5.22%
Return on assets0.54%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2026 | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $40.05M | $39.00M | $38.86M | $41.06M | — | +2.7% |
| Operating revenue | $40.05M | $39.00M | $38.86M | $41.06M | — | +2.7% |
| Selling, general & admin | $20.64M | $20.46M | $19.13M | $19.02M | — | +0.9% |
| Pre-tax income | $9.64M | $8.87M | $10.39M | $12.42M | — | +8.6% |
| Tax provision | $2.98M | $2.62M | $3.04M | $3.82M | — | +13.9% |
| Net income | $6.66M | $6.25M | $7.35M | $8.59M | — | +6.4% |
| Net income to common | $6.66M | $6.25M | $7.35M | $8.59M | — | +6.4% |
| Basic EPS | — | — | 1.06 | 1.20 | 1.23 | — |
| Diluted EPS | — | — | 1.06 | 1.19 | 1.22 | — |
| Basic shares | — | — | 6.94M | 7.14M | 7.40M | — |
| Diluted shares | — | — | 6.96M | 7.19M | 7.45M | — |
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $49.21M | $53.09M | $51.38M | $65.85M | -7.3% |
| Accounts receivable | $4.29M | $4.21M | $4.29M | $3.71M | +1.7% |
| Property, plant & equipment | $9.23M | $9.32M | $9.31M | $9.23M | -1.0% |
| Total assets | $1.21B | $1.25B | $1.27B | $1.33B | -3.0% |
| Long-term debt | $157.00M | $213.00M | $238.50M | $235.01M | -26.3% |
| Total debt | $157.05M | $213.07M | $238.50M | $235.01M | -26.3% |
| Total liabilities | $1.08B | $1.12B | $1.14B | $1.20B | -3.1% |
| Retained earnings | $215.47M | $212.40M | $209.91M | $207.27M | +1.4% |
| Shareholder equity | $126.22M | $128.54M | $129.94M | $129.69M | -1.8% |
| Net tangible assets | $126.22M | $128.54M | $129.94M | $129.69M | -1.8% |
| Shares issued | 6.26M | 18.23M | 18.23M | 18.23M | -65.6% |
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Net income | $6.66M | $6.25M | $7.35M | $8.59M | +6.4% |
| Depreciation & amortisation | $3.87M | $3.49M | $3.15M | $3.19M | +10.9% |
| Stock-based compensation | $599.00K | $543.00K | $240.00K | $1.19M | +10.3% |
| Change in working capital | -$1.63M | -$2.17M | -$4.40M | $1.75M | +25.1% |
| Operating cash flow | $8.97M | $8.69M | $5.68M | $16.32M | +3.3% |
| Capital expenditure | -$432.00K | -$530.00K | -$1.59M | -$741.00K | +18.5% |
| Investing cash flow | $31.50M | $26.46M | $45.06M | -$109.90M | +19.0% |
| Share buybacks | -$5.98M | -$4.45M | -$2.60M | -$4.65M | -34.5% |
| Dividends paid | -$3.59M | -$3.77M | -$3.89M | -$4.00M | +4.6% |
| Financing cash flow | -$44.35M | -$33.43M | -$65.22M | $136.01M | -32.7% |
| Free cash flow | $8.54M | $8.15M | $4.10M | $15.58M | +4.7% |
| End cash position | $49.21M | $53.09M | $51.38M | $65.85M | -7.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $10.59M | $9.88M | $9.84M | $9.74M | $9.76M | +7.3% |
| Operating revenue | $10.59M | $9.88M | $9.84M | $9.74M | $9.76M | +7.3% |
| Selling, general & admin | $5.29M | $5.15M | $5.12M | $5.08M | $5.12M | +2.7% |
| Pre-tax income | $2.94M | $1.91M | $2.05M | $2.73M | $2.31M | +53.8% |
| Tax provision | $756.00K | $557.00K | $614.00K | $1.05M | $680.00K | +35.7% |
| Net income | $2.18M | $1.35M | $1.44M | $1.68M | $1.63M | +61.3% |
| Net income to common | $2.18M | $1.35M | $1.44M | $1.68M | $1.63M | +61.3% |
| Basic EPS | 0.35 | 0.21 | 0.22 | 0.26 | 0.25 | +66.7% |
| Diluted EPS | 0.35 | 0.21 | 0.22 | 0.25 | 0.24 | +66.7% |
| Basic shares | 6.26M | 6.37M | 6.46M | 6.57M | 6.60M | -1.6% |
| Diluted shares | 6.33M | 6.45M | 6.53M | 6.63M | 6.65M | -1.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $49.21M | $57.13M | $54.37M | $49.41M | $53.09M | — | -13.9% |
| Accounts receivable | $4.29M | $4.20M | $4.11M | $4.18M | $4.21M | — | +2.1% |
| Property, plant & equipment | $9.23M | $9.55M | $9.84M | $8.99M | $9.32M | — | -3.4% |
| Total assets | $1.21B | $1.22B | $1.23B | $1.23B | $1.25B | — | -0.8% |
| Current debt | — | — | — | — | — | $155.50M | — |
| Long-term debt | $157.00M | $184.05M | $213.00M | $213.00M | $213.00M | — | -14.7% |
| Total debt | $157.05M | $184.05M | $213.06M | $213.07M | $213.07M | — | -14.7% |
| Total liabilities | $1.08B | $1.09B | $1.10B | $1.10B | $1.12B | — | -0.8% |
| Retained earnings | $215.47M | $214.16M | $213.69M | $213.16M | $212.40M | — | +0.6% |
| Shareholder equity | $126.22M | $126.57M | $127.49M | $128.37M | $128.54M | — | -0.3% |
| Net tangible assets | $126.22M | $126.57M | $127.49M | $128.37M | $128.54M | — | -0.3% |
| Shares issued | 6.26M | 18.23M | 18.23M | 18.23M | 18.23M | — | -65.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.18M | $1.35M | $1.44M | $1.68M | $1.63M | +61.3% |
| Depreciation & amortisation | $865.00K | $1.17M | $1.02M | $810.00K | $936.00K | -26.1% |
| Stock-based compensation | $229.00K | $119.00K | $128.00K | $123.00K | $120.00K | +92.4% |
| Change in working capital | $162.00K | -$956.00K | -$1.04M | $208.00K | -$935.00K | +116.9% |
| Operating cash flow | $3.37M | $1.89M | $1.22M | $2.50M | $2.48M | +78.0% |
| Capital expenditure | -$56.00K | -$145.00K | -$187.00K | -$44.00K | -$313.00K | +61.4% |
| Investing cash flow | $1.35M | $11.81M | $8.60M | $9.74M | $16.83M | -88.6% |
| Share buybacks | -$1.89M | -$1.50M | -$1.54M | -$1.06M | -$1.15M | -26.3% |
| Dividends paid | -$874.00K | -$891.00K | -$906.00K | -$921.00K | -$924.00K | +1.9% |
| Financing cash flow | -$12.63M | -$10.94M | -$4.85M | -$15.92M | -$17.13M | -15.4% |
| Free cash flow | $3.31M | $1.75M | $1.03M | $2.45M | $2.17M | +89.6% |
| End cash position | $49.21M | $57.13M | $54.37M | $49.41M | $53.09M | -13.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.28 | 0.35 | +27.3% |
| Mar 2026 | 0.29 | 0.21 | -27.6% |
| Dec 2025 | 0.30 | 0.22 | -26.7% |
| Sep 2025 | 0.29 | 0.25 | -13.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.32 | 2 | $10.30M | +5.7% |
| Next quarter | 0.32 | 2 | $10.40M | — |
| Current year | 1.22 | 1 | $41.40M | +3.4% |
| Next year | 1.27 | 1 | $41.50M | +0.2% |
Analyst targets & ownership
Mean target$18.50
High target$19.00
Low target$18.00
Implied upside0.76%
Analyst count2
ConsensusNONE
Strong buy / Buy0 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders20.75%
Held by institutions51.24%
Institutions holding45
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
18.29
+0.38% from price
SMA 20
18.46
-0.53% from price
SMA 50
18.24
+0.66% from price
SMA 100
17.67
+3.93% from price
SMA 200
17.02
+7.89% from price
EMA 12
18.33
+0.14% from price
EMA 26
18.34
+0.13% from price
EMA 50
18.16
+1.09% from price
RSI (14)
51.2
Neutral
MACD (12,26,9)
-0.00
Hist -0.05
ATR (14)
0.31
1.67% of price
Realised vol 30D
9.5%
Annualised
Bollinger upper
18.83
20, 2σ
Bollinger lower
18.08
20, 2σ
50 / 200 cross
Golden
18.24 vs 17.02
Trend bias
Above 200
+7.89%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.15
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
9.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-5.3%
Peak to trough
Max drawdown 5Y
-36.0%
Peak to trough
ATR 14
0.31
1.67% of price
Beta (reported)
0.31
5Y monthly, from filing
Short interest
Shares short
19.71K
Prior 25.89K
Change vs prior
-23.9%
Shorts covering
% of float
0.41%
Normal
% of shares out
0.32%
Against total outstanding
Days to cover
1.0
Liquid
Float
4.22M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 30, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jan 29, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 30, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 31, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| May 1, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jan 29, 21 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Oct 1, 20 | Piper Sandler | MAINTAINED | — | Overweight |
| May 5, 20 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Feb 11, 20 | Piper Sandler | INITIATED | — | Neutral |
| Jan 29, 20 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
| Feb 5, 19 | FIG Partners | UPGRADE | Market Perform | Outperform |
Dividends & splits
Forward rate$0.56 / yr
Forward yield3.06%
5-year avg yield3.76%
Payout ratio54.37%
Ex-dividend dateAug 13, 2026
Next pay dateSep 3, 2026
Last split3:2
Split dateFeb 3, 2004
SEC filings
Periodic Financial Reports
10-K · 2026-09-02
Corporate Changes & Voting Matters
8-K · 2026-07-28
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-05-28
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-28
Corporate Changes & Voting Matters
8-K · 2026-04-24
Corporate Changes & Voting Matters
8-K · 2026-04-17
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.