Is PROVIDENT FINANCIAL HOLDINGS INC (PROV) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 24.4% | |
| Net Margin | 16.2% | |
| Return on Equity (ROE) | 5.2% | |
| Return on Assets (ROA) | 0.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $9M |
| Free Cash Flow | $8M |
| Total Debt | $213M |
| Total Assets | $1.2B |
Price & Trading
| Last Close | $16.08 |
| 50-Day MA | $16.11 |
| 200-Day MA | $15.72 |
| Avg Volume | 7K |
| Beta | 0.3 |
|
52-Week Range
$13.51
| |
About PROVIDENT FINANCIAL HOLDINGS INC (PROV)
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.
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Frequently Asked Questions
Is PROVIDENT FINANCIAL HOLDINGS INC (PROV) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PROVIDENT FINANCIAL HOLDINGS INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PROVIDENT FINANCIAL HOLDINGS INC's debt ratio?
PROVIDENT FINANCIAL HOLDINGS INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PROVIDENT FINANCIAL HOLDINGS INC's key financial metrics?
PROVIDENT FINANCIAL HOLDINGS INC has a market capitalization of $102M, trailing P/E ratio of 16.2, and revenue of $39M. Return on equity stands at 5.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.