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Provident Financial Holdings, Inc.

Provident Financial Holdings, Inc.

NASDAQ•PROV
CEO: Mr. Donavon P. Ternes
セクター: Financial Services
業種: Banks - Regional
上場日: 1996-06-28
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company's deposit products include checking, savings, and money market and time deposit accounts; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
連絡先情報
3756 Central Avenue, Riverside, CA, 92506, United States
951-686-6060
www.myprovident.com
時価総額
$103.46M
PER (TTM)
15.6
15.2
配当利回り
3.5%
52週高値
$16.52
52週安値
$12.98
52週レンジ
85%
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q2 2026 データ

売上高

$14.87M+0.01%
直近4四半期の推移

EPS

$0.22+69.23%
直近4四半期の推移

フリーCF

$1.26M+0.00%
直近4四半期の推移

2026 Q2 決算ハイライト

主なハイライト

Strong Quarterly Earnings Growth Net income reached $1.436M for Q2 2026, marking a 65% year-over-year increase driven by credit recovery and NIM expansion.
Net Interest Margin Expansion NIM improved 12 basis points to 3.03% for the quarter, reflecting higher average yield on earning assets compared to prior year.
Improved Asset Quality Metrics Non-performing loans fell 30% to $990K since June 30, 2025; ACL coverage on Loans Held for Investment is 0.55%.
Solid Capital Position Maintained Tier 1 leverage capital ratio stood at 9.79% as of December 31, 2025, comfortably exceeding all regulatory minimums.

リスク要因

Deposit Competition Pressure Total deposits decreased 2% to $872.4M as customers sought higher-yielding alternatives in the competitive market area.
California Real Estate Exposure Majority of loan collateral is in California, facing risks from local property value declines and stress in the office sector.
Interest Rate Gap Sensitivity Static gap analysis shows negative cumulative repricing gap in short/intermediate terms, indicating liability sensitivity if rates decline.
Non-Recurring Expense Impact Q2 results included a $214K non-recurring pre-litigation settlement expense that increased non-interest expense year-over-year.

見通し

Asset Sensitive Rate Outlook Model projects net interest income increase under rising rate scenarios due to the slightly asset-sensitive balance sheet positioning.
Moderate Loan Growth Strategy Strategy targets moderate asset growth emphasizing single-family, multi-family, and commercial real estate lending portfolios.
Deposit Base Optimization Management plans to strengthen funding by increasing the proportion of lower-cost checking and savings accounts.
Sustained Capital Strength Bank remains well-capitalized, exceeding all regulatory buffers, supporting operational stability and dividend capacity.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Union Bankshares, Inc.UNB
$87.04M
+12.2%
Rhinebeck Bancorp, Inc.RBKB
$75.85M
+39.8%

粗利益率 (最新四半期)

Riverview Bancorp, Inc.RVSB
71.6%
+2.7pp
Provident Financial Holdings, Inc.PROV
67.3%
+6.6pp
Rhinebeck Bancorp, Inc.RBKB
67.0%
+19.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
FGBI$141.25M-2.5-23.3%4.9%
RBKB$136.20M13.27.7%2.3%
AFBI$127.24M15.26.7%6.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-1.0%
横ばい
4四半期純利益CAGR
-8.2%
収益性の低下
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月27日
|
EPS:$0.33
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q2 2026

    会計期末: 2025年12月31日|提出日: 2026年2月6日|
    売上高: $14.87M+0.0%
    |
    EPS: $0.22+69.2%
    予想を下回る

  • Form 10-Q - Q1 2026

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $14.96M-0.1%
    |
    EPS: $0.26-7.1%
    予想を下回る

  • Form 10-K - FY 2025

    会計期末: 2025年6月30日|提出日: 2025年8月29日|
    売上高: $60.16M+2.5%
    |
    EPS: $0.93-12.3%
    予想を上回る

  • Form 10-Q - Q3 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $15.34M+4.6%
    |
    EPS: $0.28+27.3%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2024年12月31日|提出日: 2025年2月7日|
    売上高: $14.87M+2.2%
    |
    EPS: $0.13-58.1%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $14.97M+6.3%
    |
    EPS: $0.28+12.0%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年6月30日|提出日: 2024年8月30日|
    売上高: $58.67M+17.2%
    |
    EPS: $1.06-11.7%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $14.66M+12.8%
    |
    EPS: $0.22-33.3%
    予想を下回る