PROVIDENT FINANCIAL HOLDINGS INC (PROV)
Savings Institution, Federally Chartered · Financial Services · $108M
Intrinsic Value (Consensus)
$16.15
Current Price
$17.02
Margin of Safety
-5.1%
5.1% Above Intrinsic Value
Value: $16
Price: $17
Valuation Model Estimates
Current Price: $17.02
DCF (Discounted Cash Flow)
$16.35
Graham Number
$20.62
Earnings Power Value
$9.03
Relative Value (P/E)
$18.60
Dividend Discount Model
$1.57
Consensus Value
$16.15
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
45
Profitability
12/25
Strength
17/25
Valuation
12/25
Growth
4/25
Key Financials
- EPS (TTM)
- $0.93
- EPS (Forward)
- $0.95
- Book Value
- $20.33
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 4.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance