What is Provident Financial Holdings, Inc. (PROV)'s PEG ratio?

Provident Financial Holdings, Inc. (PROV) has a PEG ratio of 28.74 (Potentially Overvalued), based on a PE ratio of 16.9 and expected EPS growth of 0.6% (5-Year EPS CAGR).

Is PROV undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 28.74, Provident Financial Holdings, Inc. (PROV) screens as "Potentially Overvalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/PROV.

Provident Financial Holdings, Inc. (PROV) PEG Ratio

Potentially Overvalued

PE ratio relative to earnings growth — is the valuation justified?

28.74

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

28.74

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$17.21

TTM EPS

$1.02

P/E Ratio

16.87

Growth Rate

0.6%

5-Year EPS CAGR

Sector

Financial Services

Banks - Regional

Calculated

8/19/2026

9:44:34 PM

Peer Comparison

Sample Size

6 peers

Industry Median PEG

4.47

25th Percentile

0.80

75th Percentile

7.95

PROV PEG (28.74) vs Industry Median (4.47): 543% premium

Symbol	Company	PEG	P/E	Growth	vs PROV
BWFG	Bankwell Financial Group, Inc.	0.25	10.9	43.0%	-99%
QCRH	QCR Holdings, Inc.	0.80	11.4	14.2%	-97%
PEBK	Peoples Bancorp of North Carolina, Inc.	1.74	14.6	8.4%	-94%
OFED	Oconee Federal Financial Corp.	7.20	20.5	2.8%	-75%
OCFC	OceanFirst Financial Corp.	7.95	22.1	2.8%	-72%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Provident Financial Holdings, Inc. (PROV) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PROV

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Provident Financial Holdings, Inc. (PROV) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on PROV

Compare with peers

Explore