Provident Financial Holdings, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$17.25
FAIR PRICE
$25.27
MARGIN
$8.02
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FPI RATING
Attractive valuation, but below-average fundamental quality and limited growth momentum.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$20.22
Fair price × 0.80
DISTANCE
17.2%
Price to entry level
At the current price of $17.25, PROV trades 17.2% below the conservative entry level of $20.22. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate PROV's fair price
Provident Financial Holdings, Inc.'s fair price of $25.27 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $17.25, PROV trades 46.5% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting PROV's risk profile.
RELATIVE · 30%
Comparing PROV's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for PROV, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate PROV's fair value with your own inputs.
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What is the fair price of PROV?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Provident Financial Holdings, Inc. is $25.27. At the current market price of $17.25, PROV trades 46.5% below its calculated fair value.
Is PROV overvalued or undervalued?+
Provident Financial Holdings, Inc. is currently undervalued based on our valuation model. The stock trades at $17.25, which is 46.5% below the fair price of $25.27. The P/E ratio of 17.4x is a key metric in the valuation.
What is the margin of safety for PROV?+
With a 20% margin of safety applied to the fair price of $25.27, the conservative entry level for PROV is $20.22. At the current market price of $17.25, the stock trades 17.2% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is PROV's fair price updated?+
We update fair price calculations for PROV daily after market close. The current fair price of $25.27 incorporates the latest market data and sector multiples.
What factors affect PROV's fair price calculation?+
PROV's fair price of $25.27 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 17.4x, ROE of 5.1%, and dividend yield of 4.07%.
Is PROV a good buy right now?+
At $17.25, PROV trades 46.5% below our fair value estimate of $25.27. The stock is currently undervalued. ROE stands at 5.1% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does PROV pay dividends?+
PROV has a dividend yield of 4.07%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.