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Provident Financial Holdings, Inc.(PROV)Earnings, Financials & Key Ratios
PROV•NASDAQ•Banking & Credit
18.4× P/E·Price updated Jun 13, 2026
AboutProvident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.Show more
- Net Interest Income$35M+1.6%
- Total Revenue$60M+2.5%
- Net Income$6M-14.9%
- Return on Equity4.84%-14.5%
- Net Interest Margin2.85%+3.7%
- Efficiency Ratio51.19%+5.2%
- ROA0.5%-11.9%
- Equity / Assets10.32%+1.0%
- Book Value per Share19.01+1.8%
- Tangible BV/Share19.01+1.8%
- Debt/Equity1.66-9.7%
PROV Key Insights
Provident Financial Holdings, Inc. (PROV) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 51.2% efficiency ratio
- ✓Well capitalized: 10.3% equity/assets
- ✓Healthy dividend yield of 3.3%
- ✓Share count reduced 2.8% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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PROV Price & Volume
Provident Financial Holdings, Inc. (PROV) stock price & volume — 10-year historical chart
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PROV Growth Metrics
Provident Financial Holdings, Inc. (PROV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-2.82%
5 Years5.07%
3 Years15.1%
TTM-
Profit CAGR
10 Years-4.39%
5 Years-4.04%
3 Years-11.72%
TTM6.11%
EPS CAGR
10 Years-1.39%
5 Years-1.64%
3 Years-8.65%
TTM8.79%
Return on Capital
10 Years3.79%
5 Years3.88%
3 Years3.15%
Last Year2.4%
PROV Recent Earnings
Provident Financial Holdings, Inc. (PROV) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 28, 2026EPS
$0.21
Est $0.29
-27.6%
Revenue
$10M
Est $10M
-2.2%
Q1 2026
Jan 27, 2026EPS
$0.22
Est $0.30
-26.7%
Revenue
$10M
Est $10M
-2.6%
Q1 2026
Jan 26, 2026EPS
$0.22
Est $0.30
-26.7%
Revenue
$10M
Est $10M
-2.6%
Q4 2025
Oct 28, 2025EPS
$0.25
Est $0.29
-13.8%
Revenue
$10M
Est $11M
-7.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.21vs $0.29-27.6% | $10Mvs $10M-2.2% |
| Q1 2026 | Jan 27, 2026 | $0.22vs $0.30-26.7% | $10Mvs $10M-2.6% |
| Q1 2026 | Jan 26, 2026 | $0.22vs $0.30-26.7% | $10Mvs $10M-2.6% |
| Q4 2025 | Oct 28, 2025 | $0.25vs $0.29-13.8% | $10Mvs $11M-7.2% |
Based on last 12 quarters of dataView full earnings history →
PROV Peer Comparison
Provident Financial Holdings, Inc. (PROV) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WAFD | 2.85B | 37.07 | 14.10 | -1.58% | 17.46% | 8.02% | 0.60 | |
 HOMB | 5.58B | 28.25 | 11.72 | -5.35% | 34.59% | 11.43% | 0.22 | |
 NWBI | 2.16B | 14.80 | 16.08 | 16.3% | 14.37% | 7.18% | 0.24 | |
 KRNY | 552.74M | 8.79 | 20.93 | 5.09% | 9.41% | 4.31% | 1.68 | |
 BSVN | 446.2M | 46.48 | 10.33 | -3.87% | 31.38% | 18.21% | ||
 CFFN | 1.07B | 8.25 | 15.87 | 10.03% | 17.07% | 6.99% | 1.86 | |
 TRST | 978.51M | 55.25 | 17 | 5.77% | 21.97% | 8.86% | 0.28 | |
 HFWA | 987.28M | 29.04 | 14.82 | 5.92% | 20.1% | 7.51% | 0.05 |
Compare PROV vs Peers
Provident Financial Holdings, Inc. (PROV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PROV Income Statement
Provident Financial Holdings, Inc. (PROV) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 35.74M | 36.3M | 38.17M | 36.4M | 30.64M | 31.59M | 36.98M | 34.92M | 35.47M | 35.95M |
NII Growth % | 10.54% | 1.57% | 5.15% | -4.63% | -15.83% | 3.12% | 17.06% | -5.58% | 1.56% | 18.26% |
Net Interest Margin % | 2.98% | 3.09% | 3.52% | 3.09% | 2.59% | 2.66% | 2.77% | 2.75% | 2.85% | 2.93% |
Interest Income | 42.42M | 42.71M | 44.38M | 42.46M | 35.2M | 34.73M | 45.99M | 54.73M | 56.62M | 56.62M |
Interest Expense | 6.68M | 6.41M | 6.21M | 6.05M | 4.56M | 3.13M | 9.01M | 19.81M | 21.16M | 20.68M |
Loan Loss Provision | -1.04M | -536K | -475K | 1.12M | -708K | -2.46M | 374K | -63K | -666K | -1.34M |
Non-Interest Income | 30.82M | 21.89M | 12.51M | 4.52M | 4.57M | 4.72M | 4.08M | 3.94M | 3.53M | 3.52M |
Non-Interest Income % | 42.08% | 33.89% | 21.99% | 9.62% | 11.5% | 11.96% | 8.14% | 6.72% | 5.87% | 5.85% |
Total Revenue | 73.24M▲ 0% | 64.61M▼ 11.8% | 56.89M▼ 11.9% | 46.98M▼ 17.4% | 39.77M▼ 15.3% | 39.45M▼ 0.8% | 50.07M▲ 26.9% | 58.67M▲ 17.2% | 60.16M▲ 2.5% | 60.14M▲ 0% |
Revenue Growth % | -4.09% | -11.78% | -11.95% | -17.43% | -15.33% | -0.82% | 26.93% | 17.18% | 2.53% | 1.93% |
Non-Interest Expense | 58.78M | 53.2M | 45.24M | 28.9M | 25.73M | 25.91M | 28.27M | 28.54M | 30.79M | 31.06M |
Efficiency Ratio | 80.27% | 82.35% | 79.52% | 61.52% | 64.7% | 65.7% | 56.46% | 48.64% | 51.19% | 51.64% |
Operating Income | 8.82M▲ 0% | 5.53M▼ 37.3% | 5.92M▲ 7.1% | 10.9M▲ 84.2% | 10.19M▼ 6.6% | 12.86M▲ 26.2% | 12.42M▼ 3.4% | 10.39M▼ 16.3% | 8.87M▼ 14.6% | 9.74M▲ 0% |
Operating Margin % | 12.04% | 8.55% | 10.41% | 23.21% | 25.61% | 32.6% | 24.8% | 17.7% | 14.75% | 16.2% |
Operating Income Growth % | -31.37% | -37.31% | 7.11% | 84.16% | -6.56% | 26.22% | -3.44% | -16.34% | -14.58% | - |
Pretax Income | 8.82M▲ 0% | 5.53M▼ 37.3% | 5.92M▲ 7.1% | 10.9M▲ 84.2% | 10.19M▼ 6.6% | 12.86M▲ 26.2% | 12.42M▼ 3.4% | 10.39M▼ 16.3% | 8.87M▼ 14.6% | 9.74M▲ 0% |
Pretax Margin % | 12.04% | 8.55% | 10.41% | 23.21% | 25.61% | 32.6% | 24.8% | 17.7% | 14.75% | 16.2% |
Income Tax | 3.61M | 3.4M | 1.5M | 3.21M | 2.63M | 3.77M | 3.82M | 3.04M | 2.62M | 3.15M |
Effective Tax Rate % | 40.94% | 61.44% | 25.39% | 29.47% | 25.78% | 29.28% | 30.8% | 29.23% | 29.51% | 32.27% |
Net Income | 5.21M▲ 0% | 2.13M▼ 59.1% | 4.42M▲ 107.3% | 7.69M▲ 74.1% | 7.56M▼ 1.7% | 9.09M▲ 20.3% | 8.59M▼ 5.5% | 7.35M▼ 14.4% | 6.25M▼ 14.9% | 6.6M▲ 0% |
Net Margin % | 7.11% | 3.3% | 7.76% | 16.37% | 19.01% | 23.05% | 17.16% | 12.53% | 10.4% | 10.97% |
Net Income Growth % | -30.33% | -59.07% | 107.27% | 74.08% | -1.66% | 20.26% | -5.51% | -14.44% | -14.91% | 6.11% |
Net Income (Continuing) | 5.21M | 2.13M | 4.42M | 7.69M | 7.56M | 9.09M | 8.59M | 7.35M | 6.25M | 6.6M |
EPS (Diluted) | 0.64▲ 0% | 0.28▼ 56.3% | 0.58▲ 107.1% | 1.01▲ 74.1% | 1.00▼ 1.0% | 1.22▲ 22.0% | 1.19▼ 2.5% | 1.06▼ 10.9% | 0.93▼ 12.3% | 1.01▲ 0% |
EPS Growth % | -28.89% | -56.25% | 107.14% | 74.14% | -0.99% | 22% | -2.46% | -10.92% | -12.26% | 8.79% |
EPS (Basic) | 0.66 | 0.28 | 0.59 | 1.03 | 1.01 | 1.23 | 1.20 | 1.06 | 0.93 | - |
Diluted Shares Outstanding | 8.1M | 7.7M | 7.6M | 7.58M | 7.54M | 7.45M | 7.19M | 6.96M | 6.76M | 6.53M |
PROV Balance Sheet
Provident Financial Holdings, Inc. (PROV) balance sheet — assets, liabilities & shareholders' equity
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 82.14M | 50.8M | 76.6M | 120.75M | 73.86M | 26.09M | 68M | 53.23M | 53.16M | 208.44M |
Cash & Due from Banks | 72.83M | 43.3M | 70.63M | 116.03M | 70.27M | 23.41M | 65.85M | 51.38M | 53.09M | 54.37M |
Short Term Investments | 9.32M | 7.5M | 5.97M | 4.72M | 3.59M | 2.68M | 2.15M | 1.85M | 69K | 152K |
Total Investments | 1.09B | 1.09B | 979.98M | 1.03B | 1.08B | 1.13B | 1.23B | 1.18B | 1.16B | 1.14B |
Investments Growth % | 0.95% | 0.28% | -10.45% | 4.71% | 5.04% | 4.69% | 9.37% | -3.99% | -2.37% | -10.25% |
Long-Term Investments | 1.08B | 1.09B | 974.01M | 1.02B | 1.07B | 1.13B | 1.23B | 1.18B | 1.16B | 4.61B |
Accounts Receivables | 2.92M | 3.21M | 3.42M | 3.27M | 3M | 2.97M | 3.71M | 4.29M | 4.21M | 4.11M |
Goodwill & Intangibles | 739K | 916K | 627K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 739K | 916K | 627K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 6.64M | 8.7M | 8.23M | 10.25M | 9.38M | 8.83M | 9.23M | 9.31M | 9.32M | 9.84M |
Other Assets | 9.72M | 9.11M | 8.2M | 7.97M | 8.15M | 8.24M | 9.51M | 22.34M | 22.23M | 21.62M |
Total Current Assets | 102.36M | 70.95M | 94.41M | 137.19M | 91.8M | 44.24M | 82.25M | 57.51M | 57.37M | 58.63M |
Total Non-Current Assets | 1.1B | 1.1B | 990.44M | 1.04B | 1.09B | 1.14B | 1.25B | 1.21B | 1.19B | 1.17B |
Total Assets | 1.2B▲ 0% | 1.18B▼ 2.1% | 1.08B▼ 7.7% | 1.18B▲ 8.5% | 1.18B▲ 0.6% | 1.19B▲ 0.3% | 1.33B▲ 12.3% | 1.27B▼ 4.6% | 1.25B▼ 2.1% | 1.23B▲ 0% |
Asset Growth % | 2.5% | -2.09% | -7.72% | 8.48% | 0.57% | 0.29% | 12.29% | -4.56% | -2.09% | -8.68% |
Return on Assets (ROA) | 0.44% | 0.18% | 0.39% | 0.68% | 0.64% | 0.77% | 0.68% | 0.56% | 0.5% | 0.53% |
Accounts Payable | 19.66M | 21.33M | 21.83M | 18.84M | 17.36M | 17.88M | 17.68M | 0 | 0 | 0 |
Total Debt | 126.23M | 126.16M | 101.11M | 141.05M | 100.98M | 85M | 235.01M | 238.5M | 213.07M | 213.06M |
Net Debt | 53.4M | 82.86M | 30.48M | 25.01M | 30.71M | 61.59M | 169.16M | 187.12M | 159.98M | 158.69M |
Long-Term Debt | 126.23M | 126.16M | 101.11M | 141.05M | 100.98M | 85M | 235.01M | 238.5M | 213M | 213M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15.41M | 15.22M | 14.91M |
Total Current Liabilities | 946.18M | 928.93M | 863.1M | 911.81M | 955.33M | 973.39M | 968.25M | 888.35M | 888.77M | 872.43M |
Total Non-Current Liabilities | 126.23M | 126.16M | 101.11M | 141.05M | 100.98M | 85M | 235.01M | 253.91M | 228.3M | 227.97M |
Total Liabilities | 1.07B | 1.06B | 964.21M | 1.05B | 1.06B | 1.06B | 1.2B | 1.14B | 1.12B | 1.1B |
Total Equity | 128.23M▲ 0% | 120.46M▼ 6.1% | 120.64M▲ 0.2% | 123.98M▲ 2.8% | 127.28M▲ 2.7% | 128.65M▲ 1.1% | 129.69M▲ 0.8% | 129.94M▲ 0.2% | 128.54M▼ 1.1% | 127.49M▲ 0% |
Equity Growth % | -3.91% | -6.06% | 0.15% | 2.76% | 2.67% | 1.08% | 0.81% | 0.2% | -1.07% | -3.4% |
Equity / Assets (Capital Ratio) | 10.68% | 10.25% | 11.12% | 10.53% | 10.75% | 10.84% | 9.73% | 10.21% | 10.32% | 10.38% |
Return on Equity (ROE) | 3.98% | 1.71% | 3.66% | 6.29% | 6.02% | 7.11% | 6.65% | 5.66% | 4.84% | 5.14% |
Book Value per Share | 15.83 | 15.64 | 15.88 | 16.36 | 16.88 | 17.27 | 18.03 | 18.67 | 19.01 | 19.52 |
Tangible BV per Share | 15.74 | 15.52 | 15.80 | 16.36 | 16.88 | 17.27 | 18.03 | 18.67 | 19.01 | 19.52 |
Common Stock | 180K | 181K | 181K | 181K | 183K | 183K | 183K | 183K | 183K | 183K |
Additional Paid-in Capital | 93.21M | 94.96M | 94.35M | 95.59M | 97.98M | 98.83M | 99.5M | 98.53M | 99.15M | 99.43M |
Retained Earnings | 192.75M | 190.62M | 190.84M | 194.34M | 197.73M | 202.68M | 207.27M | 209.91M | 212.4M | 213.69M |
Accumulated OCI | 229K | 210K | 161K | 104K | 72K | 2K | -38K | -3K | 17K | 17K |
Treasury Stock | -158.14M | -165.51M | -164.89M | -166.25M | -168.69M | -173.04M | -177.24M | -178.69M | -183.21M | -185.84M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PROV Cash Flow Statement
Provident Financial Holdings, Inc. (PROV) cash flow — operating, investing & free cash flow history
| Metric | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 83.44M | 27.99M | 107.09M | 7.95M | 11.57M | 11.79M | 16.32M | 5.68M | 8.69M | 9.52M |
Operating CF Growth % | 74.8% | -66.46% | 282.66% | -92.57% | 45.5% | 1.9% | 38.43% | -65.18% | 52.77% | 713.18% |
Net Income | 5.21M | 2.13M | 4.42M | 7.69M | 7.56M | 9.09M | 8.59M | 7.35M | 6.25M | 6.6M |
Depreciation & Amortization | 2.64M | 3.13M | 3.08M | 3.39M | 6.27M | 4.85M | 3.19M | 3.15M | 3.49M | 3.5M |
Deferred Taxes | 1.19M | 165K | 650K | 552K | 481K | 1.14M | 1.23M | -58K | 1.43M | 1.2M |
Other Non-Cash Items | 71.56M | 20.16M | 95.44M | 1.12M | -708K | -2.46M | 374K | -603K | -856K | -1.41M |
Working Capital Changes | 1.89M | 1.35M | 2.64M | -5.75M | -3.33M | -1.63M | 1.75M | -4.4M | -2.17M | -872K |
Cash from Investing | -84.52M | -27.3M | 17.29M | -48.91M | -55.87M | -51.75M | -109.9M | 45.06M | 26.46M | 35.16M |
Purchase of Investments | -35.3M | -54.15M | -40.68M | -56.26M | -158.98M | -19.12M | 0 | 0 | -981K | 0 |
Sale/Maturity of Investments | 16.23M | 27.43M | 35.03M | 32.69M | 53.43M | 55.94M | 31.08M | 24.11M | 21.53M | 10.65M |
Net Investment Activity | -19.07M | -26.72M | -5.65M | -23.57M | -105.55M | 36.82M | 31.08M | 24.11M | 20.55M | 10.65M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -63.95M | 2.32M | 23.39M | -25.11M | 49.9M | -88.4M | -140.24M | 22.54M | 6.44M | 24.84M |
Cash from Financing | 22.69M | -30.21M | -97.05M | 86.36M | -1.47M | -6.9M | 136.01M | -65.22M | -33.43M | -35.84M |
Dividends Paid | -4.12M | -4.23M | -4.19M | -4.18M | -4.17M | -4.15M | -4M | -3.89M | -3.77M | -3.69M |
Share Repurchases | -8.71M | -7.35M | -1.41M | -1.28M | -2.34M | -4.3M | -4.65M | -2.6M | -4.45M | -4.55M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -8.71M | -7.35M | -1.41M | -1.28M | -2.34M | -4.3M | -4.65M | -2.6M | -4.45M | -4.55M |
Debt Issuance (Net) | 1000K | -63K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -2.01M |
Other Financing | 600K | -18.57M | -66.39M | 51.88M | 45.11M | 17.53M | -5.36M | -62.22M | 296K | 4.92M |
Net Change in Cash | 21.62M▲ 0% | -29.52M▼ 236.6% | 27.33M▲ 192.6% | 45.4M▲ 66.1% | -45.76M▼ 200.8% | -46.86M▼ 2.4% | 42.44M▲ 190.6% | -14.47M▼ 134.1% | 1.71M▲ 111.8% | 8.83M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 51.21M | 72.83M | 43.3M | 70.63M | 116.03M | 70.27M | 23.41M | 65.85M | 51.38M | 49.41M |
Cash at End | 72.83M | 43.3M | 70.63M | 116.03M | 70.27M | 23.41M | 65.85M | 51.38M | 53.09M | 54.37M |
Interest Paid | 6.64M | 6.41M | 6.22M | 6.06M | 4.66M | 3.17M | 7.48M | 19.76M | 21.4M | 15.71M |
Income Taxes Paid | 3.04M | 2.77M | 1.55M | 775K | 3.32M | 2.73M | 2.73M | 3.09M | 1.92M | 0 |
Free Cash Flow | 81.42M▲ 0% | 25.08M▼ 69.2% | 106.64M▲ 325.3% | 7.72M▼ 92.8% | 11.35M▲ 46.9% | 11.63M▲ 2.5% | 15.58M▲ 34.0% | 4.1M▼ 73.7% | 8.15M▲ 99.1% | 9.18M▲ 0% |
FCF Growth % | 76.15% | -69.2% | 325.26% | -92.76% | 46.9% | 2.47% | 34.02% | -73.72% | 99.1% | 106.97% |
PROV Banking Ratios
Provident Financial Holdings, Inc. (PROV) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 3.98% | 1.71% | 3.66% | 6.29% | 6.02% | 7.11% | 6.65% | 5.66% | 4.84% | 5.14% |
| Return on Assets (ROA) | 0.44% | 0.18% | 0.39% | 0.68% | 0.64% | 0.77% | 0.68% | 0.56% | 0.5% | 0.53% |
| Net Interest Margin | 2.98% | 3.09% | 3.52% | 3.09% | 2.59% | 2.66% | 2.77% | 2.75% | 2.85% | 2.93% |
| Efficiency Ratio | 80.27% | 82.35% | 79.52% | 61.52% | 64.7% | 65.7% | 56.46% | 48.64% | 51.19% | 51.64% |
| Equity / Assets | 10.68% | 10.25% | 11.12% | 10.53% | 10.75% | 10.84% | 9.73% | 10.21% | 10.32% | 10.38% |
| Book Value / Share | 15.83 | 15.64 | 15.88 | 16.36 | 16.88 | 17.27 | 18.03 | 18.67 | 19.01 | 19.52 |
| NII Growth | 10.54% | 1.57% | 5.15% | -4.63% | -15.83% | 3.12% | 17.06% | -5.58% | 1.56% | 4.55% |
| Dividend Payout | 79.11% | 198.4% | 94.95% | 54.4% | 55.19% | 45.6% | 46.53% | 52.88% | 60.21% | 55.85% |
Related:PROV Dividend History·PROV Revenue History·PROV Price History·PROV P/E History·PROV Financial Ratios·PROV Institutional Holders
PROV SEC Filings & Documents
Provident Financial Holdings, Inc. (PROV) SEC filings — annual & quarterly reports (10-K, 10-Q)
PROV Frequently Asked Questions
Provident Financial Holdings, Inc. (PROV) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Provident Financial Holdings, Inc. (PROV) grew revenue by 2.5% over the past year. Growth has been modest.
Yes, Provident Financial Holdings, Inc. (PROV) is profitable, generating $6.6M in net income for fiscal year 2025 (10.4% net margin).
Dividend & Returns
Yes, Provident Financial Holdings, Inc. (PROV) pays a dividend with a yield of 3.26%. This makes it attractive for income-focused investors.
Provident Financial Holdings, Inc. (PROV) has a return on equity (ROE) of 4.8%. This is below average, suggesting room for improvement.
Industry Metrics
Provident Financial Holdings, Inc. (PROV) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Provident Financial Holdings, Inc. (PROV) has an efficiency ratio of 51.2%. This is excellent, indicating strong cost control.