Provident Financial Holdings, Inc. (PROV) 10-Year Financial Performance & Capital Metrics

PROV • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community Banks

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 Equity 4.84% -14.5%
Net Interest Margin 2.85% +3.7%
Efficiency Ratio 51.19% +5.2%
ROA 0.5% -11.9%
Equity / Assets 10.32% +1.0%
Book Value per Share 19.01 +1.8%
Tangible BV/Share 19.01 +1.8%
Debt/Equity 1.66 -9.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 51.2% efficiency ratio
✓Well capitalized: 10.3% equity/assets
✓Healthy dividend yield of 3.5%
✓Share count reduced 2.8% through buybacks
✓Trading near 52-week high
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-2.82%

5Y5.07%

3Y15.1%

TTM-

Profit (Net Income) CAGR

10Y-4.39%

5Y-4.04%

3Y-11.72%

TTM-19.4%

EPS CAGR

10Y-1.39%

5Y-1.64%

3Y-8.65%

TTM-17.43%

ROCE

10Y Avg3.79%

5Y Avg3.88%

3Y Avg3.15%

Latest2.4%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Net Interest Income+	32.33M	35.74M	36.3M	38.17M	36.4M	30.64M	31.59M	36.98M	34.92M	35.47M
NII Growth %	-0.03%	0.11%	0.02%	0.05%	-0.05%	-0.16%	0.03%	0.17%	-0.06%	0.02%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	39.3M	42.42M	42.71M	44.38M	42.46M	35.2M	34.73M	45.99M	54.73M	56.62M
Interest Expense	6.97M	6.68M	6.41M	6.21M	6.05M	4.56M	3.13M	9.01M	19.81M	21.16M
Loan Loss Provision	-1.72M	-1.04M	-536K	-475K	1.12M	-708K	-2.46M	374K	-63K	-666K
Non-Interest Income+	37.06M	30.82M	21.89M	12.51M	4.52M	4.57M	4.72M	4.08M	3.94M	3.53M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	76.36M	73.24M	64.61M	56.89M	46.98M	39.77M	39.45M	50.07M	58.67M	60.16M
Revenue Growth %	-0.05%	-0.04%	-0.12%	-0.12%	-0.17%	-0.15%	-0.01%	0.27%	0.17%	0.03%
Non-Interest Expense	58.26M	58.78M	53.2M	45.24M	28.9M	25.73M	25.91M	28.27M	28.54M	30.79M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	12.85M	8.82M	5.53M	5.92M	10.9M	10.19M	12.86M	12.42M	10.39M	8.87M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.25%	-0.31%	-0.37%	0.07%	0.84%	-0.07%	0.26%	-0.03%	-0.16%	-0.15%
Pretax Income+	12.85M	8.82M	5.53M	5.92M	10.9M	10.19M	12.86M	12.42M	10.39M	8.87M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	5.37M	3.61M	3.4M	1.5M	3.21M	2.63M	3.77M	3.82M	3.04M	2.62M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.47M	5.21M	2.13M	4.42M	7.69M	7.56M	9.09M	8.59M	7.35M	6.25M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.24%	-0.3%	-0.59%	1.07%	0.74%	-0.02%	0.2%	-0.06%	-0.14%	-0.15%
Net Income (Continuing)	7.47M	5.21M	2.13M	4.42M	7.69M	7.56M	9.09M	8.59M	7.35M	6.25M
EPS (Diluted)+	0.90	0.64	0.28	0.58	1.01	1.00	1.22	1.19	1.06	0.93
EPS Growth %	-0.16%	-0.29%	-0.56%	1.07%	0.74%	-0.01%	0.22%	-0.02%	-0.11%	-0.12%
EPS (Basic)	0.92	0.66	0.28	0.59	1.03	1.01	1.23	1.20	1.06	0.93
Diluted Shares Outstanding	8.54M	8.1M	7.7M	7.6M	7.58M	7.54M	7.45M	7.19M	6.96M	6.76M

Balance Sheet

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	51.21M	72.83M	43.3M	70.63M	116.03M	70.27M	23.41M	65.85M	51.38M	53.09M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	69K
Total Investments+	1.08B	1.09B	1.09B	979.98M	1.03B	1.08B	1.13B	1.23B	1.18B	1.16B
Investments Growth %	0.03%	0.01%	0%	-0.1%	0.05%	0.05%	0.05%	0.09%	-0.04%	-0.02%
Long-Term Investments	1.07B	1.08B	1.09B	974.01M	1.02B	1.07B	1.13B	1.23B	1.18B	1.16B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	627K	739K	916K	627K	0	0	0	0	0	0
PP&E (Net)	6.04M	6.64M	8.7M	8.23M	10.25M	9.38M	8.83M	9.23M	9.31M	9.32M
Other Assets	10.8M	9.72M	9.11M	8.2M	7.97M	8.15M	8.24M	9.51M	22.34M	22.23M
Total Current Assets	85.08M	102.36M	70.95M	94.41M	137.19M	91.8M	44.24M	82.25M	57.51M	57.37M
Total Non-Current Assets	1.09B	1.1B	1.1B	990.44M	1.04B	1.09B	1.14B	1.25B	1.21B	1.19B
Total Assets+	1.17B	1.2B	1.18B	1.08B	1.18B	1.18B	1.19B	1.33B	1.27B	1.25B
Asset Growth %	-0%	0.02%	-0.02%	-0.08%	0.08%	0.01%	0%	0.12%	-0.05%	-0.02%
Return on Assets (ROA)	0.01%	0%	0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%	0%
Accounts Payable	20.25M	19.66M	21.33M	21.83M	18.84M	17.36M	17.88M	17.68M	0	0
Total Debt+	91.3M	126.23M	126.16M	101.11M	141.05M	100.98M	85M	235.01M	238.5M	213.07M
Net Debt	40.09M	53.4M	82.86M	30.48M	25.01M	30.71M	61.59M	169.16M	187.12M	159.98M
Long-Term Debt	91.3M	126.23M	126.16M	101.11M	141.05M	100.98M	85M	235.01M	238.5M	213M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	0	15.41M	15.22M
Total Current Liabilities	946.63M	946.18M	928.93M	863.1M	911.81M	955.33M	973.39M	968.25M	888.35M	888.77M
Total Non-Current Liabilities	91.3M	126.23M	126.16M	101.11M	141.05M	100.98M	85M	235.01M	253.91M	228.3M
Total Liabilities	1.04B	1.07B	1.06B	964.21M	1.05B	1.06B	1.06B	1.2B	1.14B	1.12B
Total Equity+	133.45M	128.23M	120.46M	120.64M	123.98M	127.28M	128.65M	129.69M	129.94M	128.54M
Equity Growth %	-0.05%	-0.04%	-0.06%	0%	0.03%	0.03%	0.01%	0.01%	0%	-0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.04%	0.02%	0.04%	0.06%	0.06%	0.07%	0.07%	0.06%	0.05%
Book Value per Share	15.62	15.83	15.64	15.88	16.36	16.88	17.27	18.03	18.67	19.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	178K	180K	181K	181K	181K	183K	183K	183K	183K	183K
Additional Paid-in Capital	90.8M	93.21M	94.96M	94.35M	95.59M	97.98M	98.83M	99.5M	98.53M	99.15M
Retained Earnings	191.67M	192.75M	190.62M	190.84M	194.34M	197.73M	202.68M	207.27M	209.91M	212.4M
Accumulated OCI	313K	229K	210K	161K	104K	72K	2K	-38K	-3K	17K
Treasury Stock	-149.51M	-158.14M	-165.51M	-164.89M	-166.25M	-168.69M	-173.04M	-177.24M	-178.69M	-183.21M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Cash from Operations+	47.73M	83.44M	27.99M	107.09M	7.95M	11.57M	11.79M	16.32M	5.68M	8.69M
Operating CF Growth %	1.83%	0.75%	-0.66%	2.83%	-0.93%	0.45%	0.02%	0.38%	-0.65%	0.53%
Net Income	7.47M	5.21M	2.13M	4.42M	7.69M	7.56M	9.09M	8.59M	7.35M	6.25M
Depreciation & Amortization	1.91M	2.64M	3.13M	3.08M	3.39M	6.27M	4.85M	3.19M	3.15M	3.49M
Deferred Taxes	217K	1.19M	165K	650K	552K	481K	1.14M	1.23M	-58K	1.43M
Other Non-Cash Items	37.38M	71.56M	20.16M	95.44M	1.12M	-708K	-2.46M	374K	-603K	-856K
Working Capital Changes	-285K	1.89M	1.35M	2.64M	-5.75M	-3.33M	-1.63M	1.75M	-4.4M	-2.17M
Cash from Investing+	-63.92M	-84.52M	-27.3M	17.29M	-48.91M	-55.87M	-51.75M	-109.9M	45.06M	26.46M
Purchase of Investments	-41.68M	-35.3M	-54.15M	-40.68M	-56.26M	-158.98M	-19.12M	0	0	-981K
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-25.55M	-63.95M	2.32M	23.39M	-25.11M	49.9M	-88.4M	-140.24M	22.54M	6.44M
Cash from Financing+	-14.06M	22.69M	-30.21M	-97.05M	86.36M	-1.47M	-6.9M	136.01M	-65.22M	-33.43M
Dividends Paid	-4.01M	-4.12M	-4.23M	-4.19M	-4.18M	-4.17M	-4.15M	-4M	-3.89M	-3.77M
Share Repurchases	-13.04M	-8.71M	-7.35M	-1.41M	-1.28M	-2.34M	-4.3M	-4.65M	-2.6M	-4.45M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-68K	1000K	-63K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	3.06M	600K	-18.57M	-66.39M	51.88M	45.11M	17.53M	-5.36M	-62.22M	296K
Net Change in Cash+	-30.2M	21.62M	-29.52M	27.33M	45.4M	-45.76M	-46.86M	42.44M	-14.47M	1.71M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	81.4M	51.21M	72.83M	43.3M	70.63M	116.03M	70.27M	23.41M	65.85M	51.38M
Cash at End	51.21M	72.83M	43.3M	70.63M	116.03M	70.27M	23.41M	65.85M	51.38M	53.09M
Interest Paid	6.99M	6.64M	6.41M	6.22M	6.06M	4.66M	3.17M	7.48M	19.76M	21.4M
Income Taxes Paid	3.85M	3.04M	2.77M	1.55M	775K	3.32M	2.73M	2.73M	3.09M	1.92M
Free Cash Flow+	46.22M	81.42M	25.08M	106.64M	7.72M	11.35M	11.63M	15.58M	4.1M	8.15M
FCF Growth %	1.79%	0.76%	-0.69%	3.25%	-0.93%	0.47%	0.02%	0.34%	-0.74%	0.99%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.44%	3.98%	1.71%	3.66%	6.29%	6.02%	7.11%	6.65%	5.66%	4.84%
Return on Assets (ROA)	0.64%	0.44%	0.18%	0.39%	0.68%	0.64%	0.77%	0.68%	0.56%	0.5%
Net Interest Margin	2.76%	2.98%	3.09%	3.52%	3.09%	2.59%	2.66%	2.77%	2.75%	2.85%
Efficiency Ratio	76.29%	80.27%	82.35%	79.52%	61.52%	64.7%	65.7%	56.46%	48.64%	51.19%
Equity / Assets	11.39%	10.68%	10.25%	11.12%	10.53%	10.75%	10.84%	9.73%	10.21%	10.32%
Book Value / Share	15.62	15.83	15.64	15.88	16.36	16.88	17.27	18.03	18.67	19.01
NII Growth	-2.84%	10.54%	1.57%	5.15%	-4.63%	-15.83%	3.12%	17.06%	-5.58%	1.56%
Dividend Payout	53.71%	79.11%	198.4%	94.95%	54.4%	55.19%	45.6%	46.53%	52.88%	60.21%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Debit Card	-	-	-	-	-	-	-	-	-	1.26M
Debit Card Growth	-	-	-	-	-	-	-	-	-	-
Deposit Account	-	-	-	-	1.61M	1.25M	-	-	1.15M	1.11M
Deposit Account Growth	-	-	-	-	-	-22.55%	-	-	-	-3.64%
Credit Card	-	-	-	-	1.45M	1.6M	-	-	1.38M	-
Credit Card Growth	-	-	-	-	-	10.39%	-	-	-	-
Card and processing fees	-	-	-	-	-	-	1.64M	1.52M	-	-
Card and processing fees Growth	-	-	-	-	-	-	-	-6.96%	-	-
Bank Servicing	-	-	-	1.05M	-	1.17M	-	-	-	-
Bank Servicing Growth	-	-	-	-	-	-	-	-	-	-
Deposit Related Fees	-	-	-	1.98M	-	-	-	-	-	-
Deposit Related Fees Growth	-	-	-	-	-	-	-	-	-	-
Debit Card And Atm Fees	-	-	-	1.73M	-	-	-	-	-	-
Debit Card And Atm Fees Growth	-	-	-	-	-	-	-	-	-	-
Asset Management	-	-	-	296K	-	-	-	-	-	-
Asset Management Growth	-	-	-	-	-	-	-	-	-	-
Bank Owned Life Insurance	-	-	-	186K	-	-	-	-	-	-
Bank Owned Life Insurance Growth	-	-	-	-	-	-	-	-	-	-
Other Non Interest Income	-	-	-	105K	-	-	-	-	-	-
Other Non Interest Income Growth	-	-	-	-	-	-	-	-	-	-
Loan Related Fees	-	-	-	35K	-	-	-	-	-	-
Loan Related Fees Growth	-	-	-	-	-	-	-	-	-	-
Provident Bank	1.8M	1.9M	2M	-	-	-	-	-	-	-
Provident Bank Growth	-	5.56%	5.26%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Provident Financial Holdings, Inc. (PROV) has a price-to-earnings (P/E) ratio of 17.2x. This is roughly in line with market averages.

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 $6.0M 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 3.48%. 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.

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