Provident Financial Holdings Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Provident Financial Holdings Inc (PROV) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Provident Financial Holdings Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 41M vs 6,451M combined for tracked competitors (0.6% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+5.3% annualized vs trailing 12 months), vs decelerating (-6.4%) for its tracked peer group.
- Growth: Provident Financial Holdings Inc generated 7.7% revenue growth year over year in Q4 2026, vs 23.2% for its tracked competitors combined.
- Profitability: Its 20.4% net margin compares with 44.4% for the peer group.
- Scale: Provident Financial Holdings Inc ranks #27 of 40 companies by market capitalization in the S&Ls Savings Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Provident Financial Holdings Inc accounted for 0.7% of combined revenue among its tracked peer group, down from 0.8% a year earlier.
- Peer differentiation: Revenue per employee of $0.26M compares with $0.62M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PROV Sales vs. its Competitors, Q4 2026
Provident Financial Holdings Inc reported revenue growth of 7.69 % year on year in Q4 2026, below its competitors' combined revenue growth of 23.18 %.
With a net margin of 20.43 %, Provident Financial Holdings Inc reported lower profitability than its competitors (44.38 %).
Provident Financial Holdings Inc generated 0.70 % of the combined sales of its peer group, down from 0.80 % a year earlier.
Provident Financial Holdings Inc vs. its Competitors, Q4 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Provident Financial Holdings Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Provident Financial Holdings inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Provident Financial Holdings Inc's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs 7.7% for Provident Financial Holdings Inc. Provident Financial Holdings Inc's share of combined industry revenue moved from 0.20% to 0.01%, a loss of 0.19 percentage points.
Provident Financial Holdings Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Provident Financial Holdings inc | Yes | Yes | No | No |
| Competitors combined (13) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PROV Stock Performance relative to its Competitors
PROV Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Heritage Commerce Corp | 282.9% | Outperformed |
| 2 | Plumas Bancorp | 282.9% | Outperformed |
| 3 | First Northern Community Bancorp | 282.9% | Outperformed |
| 4 | Qnb Corp | 282.9% | Outperformed |
| 5 | Cathay General Bancorp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Provident Financial Holdings Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Provident Financial Holdings Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Provident Financial Holdings inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Provident Financial Holdings inc | 118.44 | 40.61 |
| East West Bancorp inc | 17,525.50 | 2,966.19 |
| Cathay General Bancorp | 4,088.10 | 795.20 |
| Cvb Financial Corp | 3,709.88 | 508.00 |
| Banner Corporation | 2,326.59 | 897.83 |
| Westamerica Bancorporation | 1,384.68 | 252.20 |
| SUBTOTAL | 32,496.86 | 6,833.89 |
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Sources: Provident Financial Holdings inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Provident Financial Holdings inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Provident Financial Holdings Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Provident Financial Holdings inc | 118 | 257,006 | 42,120 |
| East West Bancorp inc | 17,526 | 885,431 | 431,690 |
| Cathay General Bancorp | 4,088 | 627,131 | 273,867 |
| Cvb Financial Corp | 3,710 | 470,805 | 192,444 |
| Banner Corporation | 2,327 | 2,664,178 | 618,258 |
| Westamerica Bancorporation | 1,385 | 402,234 | 176,730 |
| PEERS TOTAL | 32,378 | 619,712 | 255,679 |
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Provident Financial Holdings Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Provident Financial Holdings Inc's industry classification, broader than the peer set above. Market cap in millions of $.Provident Financial Holdings Inc ranks #27 of 37 companies by market capitalization in its industry, holding 0.03 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,679 | 1.08 % |
| 4 | Tfs Financial Corporation | 4,661 | 1.08 % |
| 5 | Bankunited inc | 3,122 | 0.72 % |
| 6 | Provident Financial Services Inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
| 27 | Provident Financial Holdings inc | 120 | 0.03 % |
Market cap and industry share for the rest of Provident Financial Holdings Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Provident Financial Holdings Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 22 | Bcb Bancorp Inc | 151 | 0.40 % |
| 23 | Lake Shore Bancorp Inc | 131 | 38.60 % |
| 24 | First Guaranty Bancshares Inc | 131 | -2.85 % |
| 25 | Magyar Bancorp Inc | 123 | 12.72 % |
| 26 | Riverview Bancorp Inc | 1,234 | 12.3% |
| 27 | Provident Financial Holdings inc | 120 | 17.32 % |
| 28 | Sound Financial Bancorp Inc | 1,234 | 12.3% |
| 29 | Broadway Financial Corporation | 1,234 | 12.3% |
| 30 | Bancorp 34 Inc | 1,234 | 12.3% |
| 31 | Fifth District Bancorp inc | 1,234 | 12.3% |
| 32 | First Seacoast Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Provident Financial Holdings Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Provident Financial Holdings Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 58.30 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 76.37 % | 37.67 % (avg) | +38.7 pp |
| Capital Intensity (Capex / Revenue) | - | 3.69 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Provident Financial Holdings Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 16.8x | 29.5x | -12.7x |
| EV / EBITDA | 7.4x | 10.9x | -3.5x |
| P/B | 0.9x | 1.1x | -0.3x |
| Return on Equity | 5.22 % | industry aggregate | -3.75 % |
| Return on Invested Capital | - | 2.28 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Provident Financial Holdings Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -8.01 % | -20.29 % | -21.16 % | 5.59 % | 4.76 % | 2.35 % | -4.73 % | 6.14 % |
| Operating Margin | 17.42 % | 27.23 % | 8.65 % | 35.17 % | 31.30 % | 28.80 % | 22.85 % | 23.88 % |
| Return on Invested Capital | 2.76 % | 3.42 % | 0.81 % | 3.78 % | 1.43 % | 0.80 % | 0.63 % | 2.07 % |
| P/E | 18.3x | 30.2x | 20.8x | 13.2x | 11.9x | 10.8x | 17.4x | 15.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Provident Financial Holdings Inc's BCG Growth-Share Matrix
Relative market share (vs Provident Financial Holdings Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Provident Financial Holdings Inc falls in the Dog quadrant: relative market share of 0.02x vs its largest competitor, in an industry growing revenue 8.5% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Provident Financial Holdings Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Provident Financial Holdings Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Provident Financial Holdings Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Provident Financial Holdings Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Provident Financial Holdings Inc falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Provident Financial Holdings Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+5.3% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.02x).
Opportunities
- A meaningful share of tracked competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-6.4% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Provident Financial Holdings Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Provident Financial Holdings inc | 0.06 | 0.07 | 1.51 |
| East West Bancorp inc | 0.02 | 0.06 | 0.04 |
| Cathay General Bancorp | 0.01 | 0.10 | 0.04 |
| Cvb Financial Corp | 0.07 | 0.81 | 1.04 |
| Banner Corporation | 0.01 | 1.00 | 0.10 |
| Westamerica Bancorporation | 0.10 | 0.11 | 0.15 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Provident Financial Holdings Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Provident Financial Holdings inc | Q2 2026 | +7.7 % | +34.3 % |
| East West Bancorp inc | Q2 2026 | +15.2 % | +17.2 % |
| Cathay General Bancorp | Q2 2026 | +13.8 % | +19.1 % |
| Cvb Financial Corp | Q2 2026 | +42.0 % | -5.1 % |
| Banner Corporation | Q2 2026 | - | +7.5 % |
| Westamerica Bancorporation | Q2 2026 | -2.8 % | -5.8 % |
| PEERS TOTAL | +21.0 % | +16.1 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Provident Financial Holdings Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Provident Financial Holdings inc | Q2 2026 | - | -82.1 % |
| East West Bancorp inc | Q2 2026 | -26.7 % | - |
| Cathay General Bancorp | Q2 2026 | +0.4 % | +190.9 % |
| Cvb Financial Corp | Q2 2026 | - | -8.2 % |
| Banner Corporation | Q2 2026 | -20.4 % | +29.3 % |
| Westamerica Bancorporation | Q2 2026 | - | -58.5 % |
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Provident Financial Holdings Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Provident Financial Holdings inc | 0.54% | 1.21% | 5.22% |
| East West Bancorp inc | 1.76% | 4.89% | 16.19% |
| Cathay General Bancorp | 1.43% | 3.98% | 11.71% |
| Cvb Financial Corp | 1.22% | 2.01% | 8.25% |
| Banner Corporation | 1.27% | 3.55% | 10.65% |
| Westamerica Bancorporation | 1.88% | 5.09% | 12.31% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Provident Financial Holdings Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Provident Financial Holdings inc | 17.91 | 2.92 |
| East West Bancorp inc | 12.18 | 5.91 |
| Cathay General Bancorp | 11.93 | 5.14 |
| Cvb Financial Corp | 15.20 | 7.30 |
| Banner Corporation | 11.27 | 2.59 |
| Westamerica Bancorporation | 13.20 | 5.49 |
| PEERS AVERAGE | 11.57 | 4.76 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.