Is Provident Financial Holdings, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Provident Financial Holdings, Inc. moved from expensive to fair. The company appears fairly valued based on its current metrics. Key ratios include a P/E ratio of 42, a Price to Book Value of 2.14, and an EV to EBITDA of 46.21. In comparison, Ponce Financial Group, Inc. has a P/E of 21.78, and Provident Bancorp, Inc. (Massachusetts) has a P/E of 21.59, indicating that Provident Financial is trading at a premium relative to its peers.
In terms of stock performance, Provident Financial has underperformed the S&P 500 over the 1-week, year-to-date, and 3-year periods, with returns of -1.06%, -0.50%, and 10.78% respectively, compared to the S&P 500's 1.09%, 14.18%, and 82.57%. However, over the 1-year and 5-year periods, it has shown positive returns of 10.31% and 31.04%, respectively, although still lagging behind the benchmark in the longer term.