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Provident Financial Holdings Inc Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by THOMAS WILLIAM E, was filed 19 Mar 2020.
Provident Financial Holdings Inc: what insiders have been doing
Provident Financial Holdings Inc is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). Over the twelve months to 22 October 2026, 16 filings were filed, from 7 insiders.
No insider bought on the market over the period, while 1 insider filed 1 sale totalling €65k. The largest single trade was a sale of €65k by Wertz Gwendolyn, published on 13 November 2025.
Sales are harder to read than purchases, since they often meet personal needs such as tax or diversification.
For context, the typical company on the same exchange (median of 3,171 companies) published 24 filings over the same period, against 16 filings here. The full history, which starts in 2016, counts 4 purchases against 32 sales. The 10-K for the year ended 30 June 2026 shows 6.7 m USD of net income and a dividend of 0.56 USD per share.
In the same sector, recent insider purchases at Dynex Capital Inc and Presurance Holdings, Inc. also feature in our signals. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
Insider Decl.
102
Thresholds
n/a
Buy Volume
€67,710
4 ops. · all time
Sell Volume
€3M
32 ops. · all time
Who traded when
BuySaleGwendolyn Wertz2 sales
Since the insiders bought
- +18.7%Entry US$14.31 · Close at T+365 US$16.99
- +17.8%Entry US$14.90 · Close at T+365 US$17.55
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 4,873 of 26,248 companies
67.8
score / 100
Value72
Quality64
FCF yld7.6%
Earn yld5.9%
EV/EBITDA·
ROE5.2%
Gross mgn·
Net mgn17%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2026FY ended June 2026 · cache
US$18.12
Analyst consensus
2 analysts3.00/5
US$18.00Target US$18.50(+2%)US$19.00
Income statement
RevenueUS$40.1M
Net incomeUS$6.7M16.4% margin
Valuation
PER (trailing)17.6x
PER (forward)14.3x
P/Book0.9x
Beta0.31
Balance sheet & cash
Market capUS$112.3M
Total debtUS$157M
Free Cash FlowUS$8.5M
Profitability & ownership
ROE5.2%
ROA0.5%
% insiders20.6%
% institutions51.5%
Last declaration on 7 October 2026
Declarations102 total
1,843 shares@ US$17.2374.4% of flowCommon Stock PAR Value $0.01SEC:0000939057-26-000263:0
1,081 shares@ US$17.2374.2% of flowCommon Stock PAR Value $0.01SEC:0000939057-26-000262:0
1,853 shares@ US$17.2320.2% of flowCommon Stock PAR Value $0.01SEC:0000939057-26-000267:0
648 shares@ US$13.2417.6% of flowCommon Stock PAR values $.01SEC:0000939057-26-000266:0
3,229 shares@ US$17.2369.5% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000265:0
686 shares@ US$13.246.1% of flowCommon Stock PAR Value $0.01SEC:0000939057-26-000264:0
1,861 shares@ US$13.2459.7% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000270:0
1,338 shares@ US$13.2419.0% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000268:0
601 shares@ US$18.020.0093% mcap100.0% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000181:0
601 shares@ US$18.020.0093% mcap9.4% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000174:0
1,346 shares@ US$18.020.021% mcap100.0% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000179:0
357 shares@ US$18.020.0055% mcap100.0% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000180:0
272 shares@ US$18.020.0042% mcap100.0% of flowCommon Stock, PAR value $0.01SEC:0000939057-26-000182:0
7,000 shares@ US$12.090.073% mcap100.0% of flowCommon Stock, PAR Value $0.01SEC:0000939057-26-000148:0
6,000 shares0Common Stock, PAR Value $0.01SEC:0000939057-26-000141:0
4,800 shares@ US$15.6464.6% of flowCommon Stock, Par Value $0.01SEC:0000939057-25-000302:0
1,940 shares@ US$15.4026.0% of flowCommon Stock, Par Value $0.01SEC:0000939057-25-000154:0
7,500 shares0Common Stock, Par Value $0.01SEC:0000939057-25-000143:0
6,144 shares@ US$14.9010.9% of flowCommon Stock, Par Value $0.01SEC:0000939057-25-000116:1
3,856 shares@ US$15.07100.0% of flowCommon Stock, Par Value $0.01SEC:0000939057-25-000116:0
5,000 shares0Common Stock, Par Value $0.01SEC:0000939057-24-000339:0
5,000 shares0Common Stock, Par Value $0.01SEC:0000939057-24-000324:0
1,059 shares@ US$15.57100.0% of flowCommon Stock, Par Value $0.01SEC:0000939057-24-000291:0
9,000 shares0Common Stock, Par Value $0.01SEC:0000939057-24-000148:0
9,000 shares0Common Stock, Par Value $0.01SEC:0000939057-24-000150:0
25 of 102 declarations
About Provident Financial Holdings Inc
Provident Financial Holdings, Inc. (ticker: PROV) is a U.S. financial holding company listed on the NASDAQ Global Select Market in the United States. It operates primarily through its wholly owned subsidiary, Provident Savings Bank, F.S.B., a federally chartered stock savings bank headquartered in Riverside, California. The holding company was organized in January 1996 in connection with the bank’s conversion from a mutual institution to a stock savings bank, while the bank itself was founded in 1956. Its franchise remains highly regional, centered on the Inland Empire in Southern California, especially Riverside County and western San Bernardino County. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai))
Provident’s business model is that of a classic community bank. Its core activities consist of taking deposits from local consumers and businesses and redeploying those funds into lending relationships within its market area. The company’s loan portfolio is led by single-family residential mortgages, multi-family loans, and commercial real estate lending, with additional exposure to construction loans, commercial business loans, and other mortgage and consumer lending. In addition to core banking, Provident also provides a narrower set of wealth management and trustee services, but the bulk of its economics remains tied to net interest income and relationship-based local banking. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000101047026000007/prov-20260331x10q.htm?utm_source=openai))
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From a competitive perspective, Provident is positioned as an independent community bank serving consumers and small to mid-sized businesses. That local focus can be an advantage because it supports deeper customer relationships, disciplined underwriting based on regional knowledge, and a deposit franchise rooted in community ties. At the same time, the company’s geographic concentration means performance is more exposed than larger diversified banks to the economic cycle, real estate conditions, and deposit competition in Southern California. As of June 30, 2025, the bank operated 12 full-service offices in Riverside County and one full-service office in San Bernardino County, underscoring its compact but established branch footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai))
Recent disclosures show a modest-sized but stable institution. For the fiscal year ended June 30, 2025, Provident reported consolidated assets of about $1.25 billion, deposits of $888.8 million, and stockholders’ equity of $128.5 million. In July 2025, the company announced a cash dividend of $0.14 per share, which is relevant for income-oriented investors. In April 2026, the company reiterated in an SEC-linked release that it trades as PROV on NASDAQ GS. For investors in France, Belgium, and Switzerland, PROV is best viewed as a small U.S. community-bank stock with a concentrated California footprint, conservative product mix, and relatively limited scale versus regional and national banks. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai))
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