Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 18.10 is 31% above its 5-year average of 13.82, near the high end of its 5-year range (9.02–19.95).
As of 2026-10-06T18:52:48.958Z. 1.99% above its 12-month average of 17.75.
Calculation as of: 2026-10-06T18:52:48.958Z.
Quote observation: 2026-10-06T18:47:42.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: b4b76cd9e8f31b96ebb4f11ce6939067e72e10014bb0dddd23db4d192baac93d
PE Ratio (18.10) = Close Price ($18.46) / Diluted TTM EPS ($1.02)
PE RATIO
18.10
PE RATIO AVG TTM
17.75
PE RATIO AVG 3Y
15.02
PE RATIO AVG 5Y
13.82
PE RATIO AVG 10Y
18.18
PE RATIO AVG 15Y
16.83
PE RATIO AVG 20Y
15.79
CURRENT VS TTM AVG
+1.99%
CURRENT VS 3Y AVG
+20.53%
CURRENT VS 5Y AVG
+31.01%
CURRENT VS 10Y AVG
-0.42%
CURRENT VS 15Y AVG
+7.54%
CURRENT VS 20Y AVG
+14.62%
SECTOR MEDIAN · FINANCIAL SERVICES
13.80
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
+31.11%
vs the sector median at left
Provident Financial Holdings, Inc.
Market Cap
$115.44M
PE Ratio
18.10
TTM Avg
17.75
3Y Avg
15.02
5Y Avg
13.82
Market Cap
$115.77M
PE Ratio
25.84
TTM Avg
75.03
3Y Avg
255.32
5Y Avg
255.32
Market Cap
$117.18M
PE Ratio
43.94
TTM Avg
43.09
3Y Avg
128.24
5Y Avg
128.24
Market Cap
$113.24M
PE Ratio
57.43
TTM Avg
72.69
3Y Avg
72.69
5Y Avg
72.69
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Provident Financial Holdings, Inc. (PROV) | $115.44M | 18.10 | 17.75 | 15.02 | 13.82 |
| Winchester Bancorp, Inc. Common Stock (WSBK)vs › | $115.77M | 25.84 | 75.03 | 255.32 | 255.32 |
| TOP Financial Group Limited (TOP)vs › | $116.43M | N/A | N/A | N/A | N/A |
| Bogota Financial Corp. (BSBK)vs › | $116.46M | 43.16 | 120.17 | 89.86 | 50.81 |
| Charlton Aria Acquisition Corporation (CHAR)vs › | $117.18M | 43.94 | 43.09 | 128.24 | 128.24 |
| Burtech Acquisition Corp II (BRKH)vs › | $117.61M | N/A | N/A | N/A | N/A |
| Quantumsphere Acquisition Corp. Ordinary Shares (QUMS)vs › | $113.24M | 57.43 | 72.69 | 72.69 | 72.69 |
| Alpex Acquisition Corp. (ALPX)vs › | $118.58M | N/A | N/A | N/A | N/A |
| Riverview Bancorp, Inc. (RVSB)vs › | $119.75M | N/A | 23.23 | 41.63 | 28.40 |
| Silver Pegasus Acquisition Corp. (SPEG)vs › | $119.94M | 145.67 | 4795.25 | 4795.25 | 4795.25 |
At 18.1, P/E is above its 20-year median — higher than 66% of readings in its 20-year history.
20-year low
5.6
median
15.7
20-year high
142.1
Trailing P/E
18.1
Forward P/E
13.7
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$18.46
Forward EPS (Est.)
$1.35
Forward P/E
13.72
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 17.87 |
| 2026-10-02 | 17.95 |
| 2026-10-01 | 17.89 |
| 2026-09-30 | 17.67 |
| 2026-09-29 | 17.95 |
| 2026-09-28 | 17.91 |
| 2026-09-25 | 18.06 |
| 2026-09-24 | 18.01 |
| 2026-09-23 | 18.00 |
| 2026-09-22 | 18.21 |
| 2026-09-21 | 18.25 |
| 2026-09-18 | 18.25 |
| 2026-09-17 | 18.25 |
| 2026-09-16 | 18.14 |
| 2026-09-15 | 18.25 |
| 2026-09-14 | 18.31 |
| 2026-09-11 | 18.26 |
| 2026-09-10 | 18.34 |
| 2026-09-09 | 18.32 |
| 2026-09-08 | 18.28 |
| 2026-09-04 | 18.33 |
| 2026-09-03 | 18.17 |
| 2026-09-02 | 19.92 |
| 2026-09-01 | 19.90 |
| 2026-08-31 | 19.90 |
| 2026-08-28 | 19.95 |
| 2026-08-27 | 19.91 |
| 2026-08-26 | 19.93 |
| 2026-08-25 | 19.90 |
| 2026-08-24 | 19.85 |
| 2026-08-21 | 19.54 |
| 2026-08-20 | 19.46 |
| 2026-08-19 | 19.42 |
| 2026-08-18 | 19.47 |
| 2026-08-17 | 19.51 |
| 2026-08-14 | 19.54 |
| 2026-08-13 | 19.58 |
| 2026-08-12 | 19.59 |
| 2026-08-11 | 19.51 |
| 2026-08-10 | 19.63 |
| 2026-08-07 | 19.49 |
| 2026-08-06 | 19.63 |
| 2026-08-05 | 19.60 |
| 2026-08-04 | 19.50 |
| 2026-08-03 | 19.46 |
| 2026-07-31 | 19.30 |
| 2026-07-30 | 19.30 |
| 2026-07-29 | 19.33 |
| 2026-07-28 | 19.13 |
| 2026-07-27 | 18.76 |
| 2026-07-24 | 18.72 |
| 2026-07-23 | 18.71 |
| 2026-07-22 | 18.71 |
| 2026-07-21 | 18.60 |
| 2026-07-20 | 18.47 |
| 2026-07-17 | 18.71 |
| 2026-07-16 | 18.70 |
| 2026-07-15 | 18.65 |
| 2026-07-14 | 18.67 |
| 2026-07-13 | 18.61 |
| 2026-07-10 | 18.75 |
| 2026-07-09 | 18.71 |
| 2026-07-08 | 18.67 |
| 2026-07-07 | 18.60 |
| 2026-07-06 | 18.60 |
| 2026-07-02 | 18.71 |
| 2026-07-01 | 18.73 |
| 2026-06-30 | 18.70 |
| 2026-06-29 | 18.71 |
| 2026-06-26 | 18.70 |
| 2026-06-25 | 18.66 |
| 2026-06-24 | 18.61 |
| 2026-06-23 | 18.60 |
| 2026-06-22 | 18.39 |
| 2026-06-18 | 18.30 |
| 2026-06-17 | 18.58 |
| 2026-06-16 | 18.50 |
| 2026-06-15 | 18.49 |
| 2026-06-12 | 18.60 |
| 2026-06-11 | 18.45 |
| 2026-06-10 | 18.54 |
| 2026-06-09 | 18.54 |
| 2026-06-08 | 18.25 |
| 2026-06-05 | 18.39 |
| 2026-06-04 | 18.39 |
| 2026-06-03 | 18.37 |
| 2026-06-02 | 18.38 |
| 2026-06-01 | 18.42 |
| 2026-05-29 | 18.42 |
| 2026-05-28 | 18.60 |
| 2026-05-27 | 18.75 |
| 2026-05-26 | 18.70 |
| 2026-05-22 | 18.73 |
| 2026-05-21 | 18.72 |
| 2026-05-20 | 18.60 |
| 2026-05-19 | 18.48 |
| 2026-05-18 | 18.45 |
| 2026-05-15 | 18.49 |
| 2026-05-14 | 18.48 |
| 2026-05-13 | 18.48 |
| 2026-05-12 | 18.48 |
| 2026-05-11 | 18.42 |
| 2026-05-08 | 18.62 |
| 2026-05-07 | 17.33 |
| 2026-05-06 | 17.28 |
| 2026-05-05 | 17.20 |
| 2026-05-04 | 17.27 |
| 2026-05-01 | 17.32 |
| 2026-04-30 | 17.33 |
| 2026-04-29 | 17.37 |
| 2026-04-28 | 17.31 |
| 2026-04-27 | 17.18 |
| 2026-04-24 | 17.18 |
| 2026-04-23 | 17.22 |
| 2026-04-22 | 17.20 |
| 2026-04-21 | 17.19 |
| 2026-04-20 | 17.22 |
| 2026-04-17 | 17.21 |
| 2026-04-16 | 17.34 |
| 2026-04-15 | 17.34 |
| 2026-04-14 | 17.34 |
| 2026-04-13 | 17.32 |
| 2026-04-10 | 17.30 |
| 2026-04-09 | 17.33 |
| 2026-04-08 | 17.12 |
| 2026-04-07 | 16.70 |
| 2026-04-06 | 16.66 |
| 2026-04-02 | 16.42 |
| 2026-04-01 | 16.41 |
| 2026-03-31 | 16.28 |
| 2026-03-30 | 16.21 |
| 2026-03-27 | 16.17 |
| 2026-03-26 | 16.24 |
| 2026-03-25 | 16.31 |
| 2026-03-24 | 16.26 |
| 2026-03-23 | 16.37 |
| 2026-03-20 | 16.19 |
| 2026-03-19 | 16.26 |
| 2026-03-18 | 16.09 |
| 2026-03-17 | 16.18 |
| 2026-03-16 | 16.27 |
| 2026-03-13 | 16.21 |
| 2026-03-12 | 16.17 |
| 2026-03-11 | 16.08 |
| 2026-03-10 | 16.07 |
| 2026-03-09 | 16.19 |
| 2026-03-06 | 16.33 |
| 2026-03-05 | 16.28 |
| 2026-03-04 | 16.37 |
| 2026-03-03 | 16.09 |
| 2026-03-02 | 16.17 |
| 2026-02-27 | 16.16 |
| 2026-02-26 | 16.25 |
| 2026-02-25 | 16.37 |
| 2026-02-24 | 16.20 |
| 2026-02-23 | 16.22 |
| 2026-02-20 | 16.41 |
| 2026-02-19 | 16.41 |
| 2026-02-18 | 16.31 |
| 2026-02-17 | 16.18 |
| 2026-02-13 | 16.38 |
| 2026-02-12 | 16.42 |
| 2026-02-11 | 16.45 |
| 2026-02-10 | 16.14 |
| 2026-02-09 | 16.42 |
| 2026-02-06 | 18.07 |
| 2026-02-05 | 18.07 |
| 2026-02-04 | 18.04 |
| 2026-02-03 | 17.94 |
| 2026-02-02 | 17.93 |
| 2026-01-30 | 17.96 |
| 2026-01-29 | 18.00 |
| 2026-01-28 | 18.00 |
| 2026-01-27 | 17.90 |
| 2026-01-26 | 17.92 |
| 2026-01-23 | 18.11 |
| 2026-01-22 | 18.08 |
| 2026-01-21 | 17.84 |
| 2026-01-20 | 17.73 |
| 2026-01-16 | 17.79 |
| 2026-01-15 | 17.79 |
| 2026-01-14 | 17.79 |
| 2026-01-13 | 17.79 |
| 2026-01-12 | 17.83 |
| 2026-01-09 | 17.91 |
| 2026-01-08 | 18.10 |
| 2026-01-07 | 17.94 |
| 2026-01-06 | 17.94 |
| 2026-01-05 | 17.93 |
| 2026-01-02 | 17.76 |
| 2025-12-31 | 17.68 |
| 2025-12-30 | 17.73 |
| 2025-12-29 | 17.86 |
| 2025-12-26 | 17.88 |
| 2025-12-24 | 17.96 |
| 2025-12-23 | 17.77 |
| 2025-12-22 | 17.78 |
| 2025-12-19 | 17.74 |
| 2025-12-18 | 17.84 |
| 2025-12-17 | 17.93 |
| 2025-12-16 | 17.89 |
| 2025-12-15 | 17.91 |
| 2025-12-12 | 17.57 |
| 2025-12-11 | 17.66 |
| 2025-12-10 | 17.42 |
| 2025-12-09 | 16.90 |
| 2025-12-08 | 16.68 |
| 2025-12-05 | 17.00 |
| 2025-12-04 | 17.00 |
| 2025-12-03 | 17.10 |
| 2025-12-02 | 16.89 |
| 2025-12-01 | 17.00 |
| 2025-11-28 | 17.03 |
| 2025-11-26 | 16.96 |
| 2025-11-25 | 16.90 |
| 2025-11-24 | 16.74 |
| 2025-11-21 | 16.84 |
| 2025-11-20 | 16.79 |
| 2025-11-19 | 16.89 |
| 2025-11-18 | 16.68 |
| 2025-11-17 | 16.68 |
| 2025-11-14 | 17.22 |
| 2025-11-13 | 17.32 |
| 2025-11-12 | 17.22 |
| 2025-11-11 | 17.10 |
| 2025-11-10 | 16.96 |
| 2025-11-07 | 16.35 |
| 2025-11-06 | 16.45 |
| 2025-11-05 | 16.62 |
| 2025-11-04 | 16.55 |
| 2025-11-03 | 16.70 |
| 2025-10-31 | 16.86 |
| 2025-10-30 | 16.90 |
| 2025-10-29 | 16.98 |
| 2025-10-28 | 16.87 |
| 2025-10-27 | 16.88 |
| 2025-10-24 | 17.04 |
| 2025-10-23 | 16.96 |
| 2025-10-22 | 16.96 |
| 2025-10-21 | 16.78 |
| 2025-10-20 | 16.89 |
| 2025-10-17 | 16.87 |
| 2025-10-16 | 16.78 |
| 2025-10-15 | 17.03 |
| 2025-10-14 | 16.99 |
| 2025-10-13 | 16.91 |
| 2025-10-10 | 16.97 |
| 2025-10-09 | 16.96 |
| 2025-10-08 | 17.04 |
| 2025-10-07 | 17.04 |
| 2025-10-06 | 17.04 |
| 2025-10-03 | 17.02 |
| 2025-10-02 | 16.95 |
| 2025-10-01 | 16.77 |
| 2025-09-30 | 16.94 |
| 2025-09-29 | 16.95 |
| 2025-09-26 | 17.20 |
| 2025-09-25 | 16.95 |
| 2025-09-24 | 17.04 |
| 2025-09-23 | 16.92 |
Showing the most recent 260 of 4,588 data points. The chart above shows the full history.