What Is Provident Financial Holdings, I (PROV) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Provident Financial Holdings, I's intrinsic value is estimated at a composite $21.30, showing conflicting signals at the current price of $17.12. While the average implied return is +24.4%, model disagreement is elevated with a gap of +318.1% between the most bullish and bearish estimates. The most optimistic model, Bayesian DCF, places fair value at $57.12 (+233.7%), while Sentiment SOTP — the most conservative — estimates $2.66 (-84.5%). This +318.1% gap reflects genuine analytical uncertainty about Provident Financial Holdings, I's intrinsic worth.
What Do the Models Say About PROV?
12 of 13 models are currently active for PROV. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates PROV's intrinsic value at $57.12, implying +233.7% upside from the current price. See which stocks rank higher →
How Does PROV Rank in Savings Institution, Federally Chartered?
Among 36 Savings Institution, Federally Chartered stocks, PROV ranks #22 by Quality of Company score. CirclFi's QOC score of 7.3/10 evaluates 32 fundamental signals. A score of 7.3 indicates above-average quality.
See all Most Undervalued Savings Institution, Federally Chartered Stocks →
Provident Financial Holdings, I operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is PROV a Value Trap?
CirclFi's Value Trap algorithm assigns PROV a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Provident Financial Holdings, I. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Provident Financial Holdings, I is rated at 7.3/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.
The gap between the most bullish and bearish model spans +318.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PROV valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PROV's 12 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad