PROV Provident Financial Hldgs
XNASStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
PROV
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Key stats
Related
About
- Industry (SIC)
- SAVINGS INSTITUTION, FEDERALLY CHARTERED (6035) · industry map
- Exchange
- XNAS
- Market Cap
- $0.1B
- Employees
- 158
- List Date
- 1996-06-28
- CIK
- 0001010470
- Next Earnings
- 2026-10-27 (Pre-Market)
- EPS Forecast
- $0.32 (2 est.)
- Headquarters
- Riverside, CA
- Homepage
- https://www.myprovident.com
Provident Financial Holdings Inc is a holding company of Provident Savings Bank, F.S.B. It is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its business activities consist of community banking, investment services and trustee services for real estate transactions. The group operates in Bank segment that include attracting deposits, offering banking services and originating and purchasing single-family, multi-family, commercial real estate, construction and, to a lesser extent, other mortgage, co…
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 4.87% | -0.35% | 1.72% | 17.88% | 0.12% | 1.13% | 4.23% |
| Feb | 1.74% | -1.91% | 0.49% | -6.09% | -3.35% | -0.87% | -1.67% |
| Mar | 4.77% | 0.79% | -3.47% | -5.31% | -3.70% | 0.69% | -1.04% |
| Apr | -4.91% | -7.66% | 2.15% | -4.92% | 3.45% | 5.60% | -1.05% |
| May | 6.49% | -1.66% | -11.31% | 1.11% | 0.72% | -1.17% | -0.97% |
| Jun | -2.43% | 0.07% | 7.14% | -1.96% | 0.58% | 1.47% | 0.81% |
| Jul | -3.66% | 0.75% | 10.62% | 8.25% | -2.51% | 3.20% | 2.77% |
| Aug | 1.58% | -3.14% | -7.72% | 10.38% | 1.24% | 2.29% | 0.77% |
| Sep | -1.58% | 1.57% | -0.15% | 0.49% | 1.55% | -1.58% | 0.05% |
| Oct | 1.55% | -4.48% | -8.36% | 8.85% | 0.51% | -0.27%* | -0.37% |
| Nov | -1.13% | 4.72% | -4.18% | 4.98% | -1.29% | -- | 0.62% |
| Dec | -1.61% | -4.11% | 9.08% | -2.93% | 3.99% | -- | 0.88% |
| Total | 5.08% | -14.89% | -6.50% | 31.58% | 0.99% | 10.76% | 4.51% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $18.22
SMA 50: $18.31
SMA 200: $17.16
Current: $18.20
EMA 12: $18.20
EMA 26: $18.24
MACD: -0.0445 | Signal: -0.0047
BEARISH
ADX (14): 13.75
RANGE
+DI: 15.88
−DI: 17.13
Momentum Oscillators
RSI (14): 47.77
NEUTRAL
Stoch %K: 19.82
Stoch %D: 17.29
Williams %R: -79.73
Volume & Volatility
BB Upper: $18.42
BB Lower: $18.01
NEUTRAL
OBV: 389,352
Vol SMA 20: 13,555
Vol ROC: -69.51%
ATR: $0.20
True Range: $0.05
HV 20: 10.7%
HV 30: 9.7%
HV 60: 9.0%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-10-17T00:00:00 – 2026-10-22T00:00:00
AI Analysis
Click Frenzy-Pro™ for an AI analysis of this ticker.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
All PROV news →
PROV Options Activity & IV Rank
Loading options activity...
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
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EXTREME
ATM — / Wing —
30 DTE / 10d
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EXTREME
ATM — / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Enter a ticker to render the implied volatility surface.
Volatility Smile
Enter a ticker to render the implied volatility smile.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Risk Metrics
Beta: 0.1473
Alpha: 13.07%
Correlation: 0.1649
R-Squared: 2.7%
Stock Volatility: 11.4%
Market Volatility: 12.8%
Analysis Details
Benchmark: SPY
Data Points: 250
Period: 252 trading days
Data Points: 250
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
PROV Institutional Ownership (13F)
Latest filings — 2026-06-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
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| # | Filer | Notional Value | % of Total | Period |
|---|
PROV Insider Trading (Form 4)
Latest: 2026-10-07Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-10-07 | Donavon P Ternes | President & CEO | Tax (F) | −3,229 | $17.23 | -$55.6K | EDGAR |
| 2026-10-07 | Donavon P Ternes | President & CEO | Tax (F) | −1,338 | $13.24 | -$17.7K | EDGAR |
| 2026-10-07 | Gwendolyn Wertz | Senior Vice President | Tax (F) | −686 | $13.24 | -$9.1K | EDGAR |
| 2026-10-07 | Robert Scott Ritter | Senior Vice President | Tax (F) | −1,843 | $17.23 | -$31.8K | EDGAR |
| 2026-10-07 | Craig G Blunden | Director | Tax (F) | −1,861 | $13.24 | -$24.6K | EDGAR |
| 2026-10-07 | Haryanto Lee Sunarto | Vice President | Tax (F) | −1,081 | $17.23 | -$18.6K | EDGAR |
| 2026-10-07 | Gwendolyn Wertz | Senior Vice President | Tax (F) | −1,853 | $17.23 | -$31.9K | EDGAR |
| 2026-10-07 | Haryanto Lee Sunarto | Vice President | Tax (F) | −1,081 | $17.23 | -$18.6K | EDGAR |
| 2026-10-07 | Robert Scott Ritter | Senior Vice President | Tax (F) | −648 | $13.24 | -$8.6K | EDGAR |
| 2026-08-13 | Haryanto Lee Sunarto | Vice President | Tax (F) | −357 | $18.02 | -$6.4K | EDGAR |
| 2026-08-13 | Robert Scott Ritter | Senior Vice President | Tax (F) | −601 | $18.02 | -$10.8K | EDGAR |
| 2026-08-13 | Gwendolyn Wertz | Senior Vice President | Tax (F) | −601 | $18.02 | -$10.8K | EDGAR |
| 2026-08-13 | Michael Scott Van Stockum | Senior Vice President | Tax (F) | −272 | $18.02 | -$4.9K | EDGAR |
| 2026-08-13 | Donavon P Ternes | President & CEO | Tax (F) | −1,346 | $18.02 | -$24.3K | EDGAR |
| 2026-07-31 | Matthew Webb | Director | Exer (M) | +7,000 | $12.09 | $84.6K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
PROV Insider Holdings
11 insiders · @ $18.20
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Craig G Blunden | Chairman and CEO | 244,701 | $4.45M | -$3.43M | 31 | 2026-10-07 |
| 2 | Donavon P Ternes | President & CEO | 241,364 | $4.39M | -$436.2K | 19 | 2026-10-07 |
| 3 | Robert Scott Ritter | Senior Vice President | 33,283 | $605.8K | $0 | 7 | 2026-10-07 |
| 4 | Gwendolyn Wertz | Senior Vice President | 26,891 | $489.4K | -$104.9K | 10 | 2026-10-07 |
| 5 | David Weiant | Senior Vice President | 22,241 | $404.8K | -$1.03M | 28 | 2026-06-10 |
| 6 | Michael Scott Van Stockum | Senior Vice President | 15,735 | $286.4K | $0 | 2 | 2026-08-13 |
| 7 | Haryanto Lee Sunarto | Vice President | 15,302 | $278.5K | $0 | 3 | 2026-10-07 |
| 8 | Matthew Webb | Director | 8,000 | $145.6K | $0 | 3 | 2026-07-31 |
| 9 | Peter Chai Fan | Senior Vice President - CFO | 7,500 | $136.5K | $0 | 1 | 2025-05-23 |
| 10 | Glee Ann Harris | Senior Vice President | 5,000 | $91.0K | $0 | 1 | 2024-11-22 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
PROV Board & Officers
As of SEC filings through Oct 7, 2026Directors 7
- Craig G Blunden · on file since 2006
- Debbi Guthrie · on file since 2006
- William E Thomas · on file since Jul 2006
- Judy A Carpenter · since Nov 27, 2012
- Kathy Michalak · since Nov 30, 2021
- Brian Hawley · since Nov 28, 2023
- Matthew Webb · since Nov 28, 2023
Officers 6
- Donavon P Ternes · President & CEO · listed since May 2024
- David Weiant · Senior Vice President · since Jun 29, 2007
- Gwendolyn Wertz · Senior Vice President · since Feb 25, 2014
- Robert Scott Ritter · Senior Vice President · since Sep 26, 2016
- Peter Chai Fan · Senior Vice President - CFO · since May 12, 2025
- Michael Scott Van Stockum · Senior Vice President · since Jul 23, 2026
Changes in the last 10 years (15)
| Aug 13, 2026 | Haryanto Lee Sunarto reported in an SEC filing no longer being Interim CFO |
| Jul 23, 2026 | Michael Scott Van Stockum became Senior Vice President |
| May 12, 2025 | Peter Chai Fan became Senior Vice President - CFO |
| Feb 22, 2025 | Haryanto Lee Sunarto became Interim CFO |
| Feb 3, 2025 | The company announced the departure of Tam B Nguyen as SVP, CFO & Secretary in an SEC filing |
| Dec 18, 2024 | Avedis Demirdjian became Senior Vice President |
| Nov 18, 2024 | Glee Ann Harris became Senior Vice President |
| May 28, 2024 | Donavon P Ternes listed as President & CEO (previously President, COO & CFO) in SEC filings |
| Jan 2, 2024 | Tam B Nguyen became SVP, CFO & Secretary |
| Nov 28, 2023 | Matthew Webb became a director |
| Nov 28, 2023 | Brian Hawley became a director |
| Oct 25, 2023 | The company announced the departure of Craig G Blunden as Chairman and CEO in an SEC filing |
| Oct 22, 2023 | The company announced the departure of Bruce Bennett from the board in an SEC filing |
| Nov 30, 2021 | Kathy Michalak became a director |
| Jun 3, 2019 | Lilian Brunner-Salter listed as Senior Vice President (previously SVP & CIO) in SEC filings |
Not reported recently (5)
- Avedis Demirdjian · Last reported as Senior Vice President in an SEC filing dated Dec 26, 2024
- Glee Ann Harris · Last reported as Senior Vice President in an SEC filing dated Nov 22, 2024
- Lilian Brunner-Salter · Last reported as Senior Vice President in an SEC filing dated May 28, 2024
- Roy Taylor · Last reported as a director in an SEC filing dated Nov 29, 2022
- Joseph Barr · Last reported as a director in an SEC filing dated Nov 30, 2021
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
14 ETFs hold PROV
14 shown · $12.99M total exposure · 0.00% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $3.1M | — | 2026-09-30 |
| 2 | DFSV Dimensional US Small Cap Value ETF | Dimensional | 0.01% | $3.1M | — | 2026-10-21 |
| 3 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.00% | $1.5M | — | 2026-10-21 |
| 4 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.00% | $1.2M | — | 2026-10-21 |
| 5 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.02% | $1.2M | — | 2026-10-21 |
| 6 | VXF Vanguard Extended Market ETF | Vanguard | 0.00% | $1.1M | — | 2026-09-30 |
| 7 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.02% | $595,034 | — | 2026-06-30 |
| 8 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.00% | $433,360 | — | 2026-10-21 |
| 9 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.02% | $291,546 | $1.2B | 2026-10-21 |
| 10 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.00% | $235,271 | — | 2026-10-21 |
| 11 | DXUV Dimensional US Vector Equity ETF | Dimensional | 0.00% | $143,762 | — | 2026-10-21 |
| 12 | DFUV Dimensional US Marketwide Value ETF | Dimensional | 0.00% | $75,421 | $15.8B | 2026-10-21 |
| 13 | DFSU Dimensional US Sustainability Core 1 ETF | Dimensional | 0.00% | $15,397 | $2.4B | 2026-10-21 |
| 14 | DFAU Dimensional US Core Equity Market ETF | Dimensional | 0.00% | $1,019 | $13.0B | 2026-10-21 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.