Roiver Score™ for
PROVProvident Financial Hldgs
Savings Institution, Federally Chartered
Based on fundamentals through 6/30/2025.
As of June 30, 2025, Provident Financial Hldgs (PROV) scores 36/100 (Mixed) on the Roiver Score — a transparent quality composite. Its strongest area is stability; its weakest is capital structure. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about PROV
What is PROV's Roiver Score?
Provident Financial Hldgs scores 36 out of 100 (Mixed) as of June 30, 2025, based on fundamentals.
How is the Roiver Score for PROV calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is PROV a good quality stock?
On quality, PROV rates "Mixed" (36/100). Its strongest driver is stability and its weakest is capital structure. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.