Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
The yield on cost (YOC) is 3.05%.
YIELD ON COST (YOC)
3.05%
PROV now pays $0.56 per share a year. Measured against the price it actually traded at back then, a long-term holder is earning:
| If you bought | Price then | Yield on cost today |
|---|---|---|
| 10 years ago(2016-10-04) | $19.50 | 2.87% |
| 5 years ago(2021-09-30) | $16.85 | 3.32% |
| 3 years ago(2023-10-03) | $13.01 | 4.30% |
| 1 year ago(2025-10-07) | $15.85 | 3.53% |
| Buying today(at $18.46) | $18.46 | 3.05% |
Projection: starting from today's 3.05% yield, assuming the dividend keeps compounding at 0.0% a year — the recent growth rate of its annual payout. Boards set dividends each year, so actual figures will differ.
Today
3.05%
In 3 years
3.05%
In 5 years
3.05%
In 10 years
3.05%
Try your own purchase price, dividend and growth rate for Provident Financial Holdings, Inc. (PROV).
Starting Yield
3.03%
Ending YOC
7.80%
Year 15 Dividend
$1.44
Cum. Dividends Recd.
$14.42
| Year | Projected Div. / Share | YoY Dividend Hike | Yield on Cost (YOC) | Total Dividends Recd. |
|---|---|---|---|---|
| Initial | $0.56 | N/A | 3.03% | $0.00 |
| Year 1 | $0.60 | +6.50% | 3.23% | $0.60 |
| Year 2 | $0.64 | +6.50% | 3.44% | $1.23 |
| Year 3 | $0.68 | +6.50% | 3.66% | $1.91 |
| Year 4 | $0.72 | +6.50% | 3.90% | $2.63 |
| Year 5 | $0.77 | +6.50% | 4.16% | $3.40 |
| Year 6 | $0.82 | +6.50% | 4.43% | $4.21 |
| Year 7 | $0.87 | +6.50% | 4.71% | $5.08 |
| Year 8 | $0.93 | +6.50% | 5.02% | $6.01 |
| Year 9 | $0.99 | +6.50% | 5.35% | $7.00 |
| Year 10 | $1.05 | +6.50% | 5.69% | $8.05 |
| Year 11 | $1.12 | +6.50% | 6.06% | $9.17 |
| Year 12 | $1.19 | +6.50% | 6.46% | $10.36 |
| Year 13 | $1.27 | +6.50% | 6.88% | $11.63 |
| Year 14 | $1.35 | +6.50% | 7.33% | $12.98 |
| Year 15 | $1.44 | +6.50% | 7.80% | $14.42 |
Yield on cost is the dividend yield measured against your original purchase price, not today's price. As a company raises its dividend, the yield on what you actually paid keeps rising even when the market yield holds steady.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
