The bank maintains a conservative equity-to-assets ratio of 0.10, yet its asset base remains stagnant at $1.2 billion due to a heavy reliance on fixed-income securities.
| Metric | TTM | Jun'25 | Jun'24 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | Jun'09 | Jun'08 | Jun'07 | Jun'06 | Jun'05 | Jun'04 | Jun'03 | Jun'02 | Jun'01 | Jun'00 | Jun'99 | Jun'98 | Jun'97 | Jun'96 |
|---|
| Cash & Short Term Investments | 214.46M | 53.16M | 53.23M | 68M | 26.09M | 73.86M | 120.75M | 76.6M | 50.8M | 82.14M | 62.75M | 95.56M | 135.28M | 213.35M | 168.03M | 142.55M | 96.2M | 56.9M | 15.11M | 12.82M | 16.36M | 25.9M | 38.35M | 48.85M | 27.7M | 26.84M | 18.96M | 19.7M | 23.4M | 20.1M | 30.83M |
| Cash & Due from Banks | 57.13M | 53.09M | 51.38M | 65.85M | 23.41M | 70.27M | 116.03M | 70.63M | 43.3M | 72.83M | 51.21M | 81.4M | 118.94M | 193.84M | 145.14M | 142.55M | 96.2M | 56.9M | 15.11M | 12.82M | 16.36M | 25.9M | 38.35M | 48.85M | 27.7M | 26.84M | 18.96M | 19.7M | 23.4M | 20.1M | 30.83M |
| Short Term Investments | 0 | 69K | 1.85M | 2.15M | 2.68M | 3.59M | 4.72M | 5.97M | 7.5M | 9.32M | 11.54M | 14.16M | 16.35M | 19.51M | 22.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 1.14B | 1.16B | 1.18B | 1.23B | 1.13B | 1.08B | 1.03B | 979.98M | 1.09B | 1.09B | 1.08B | 1.05B | 948.17M | 955.96M | 1.05B | 1.1B | 1.21B | 1.44B | 1.55B | 1.5B | 1.44B | 1.37B | 1.14B | 1.05B | 867.25M | 903.86M | 1.08B | 894.3M | 762.8M | 571.5M | 529.67M |
| Investments Growth % | -11.14% | -2.37% | -3.99% | 9.37% | 4.69% | 5.04% | 4.71% | -10.45% | 0.28% | 0.95% | 2.57% | 11.15% | -0.81% | -9.08% | -4.38% | -9.25% | -15.68% | -7.28% | 3.12% | 4.01% | 5.46% | 20.68% | 8.58% | 20.56% | -4.05% | -16.04% | 20.38% | 17.24% | 33.47% | 7.9% | - |
| Long-Term Investments | 4.58B | 1.16B | 1.18B | 1.23B | 1.13B | 1.07B | 1.02B | 974.01M | 1.09B | 1.08B | 1.07B | 1.04B | 931.82M | 936.45M | 1.03B | 1.1B | 1.21B | 1.44B | 1.55B | 1.5B | 1.44B | 1.37B | 1.14B | 1.05B | 867.25M | 903.86M | 1.08B | 894.3M | 762.8M | 571.5M | 529.67M |
| Accounts Receivables | 4.2M | 4.21M | 4.29M | 3.71M | 2.97M | 3M | 3.27M | 3.42M | 3.21M | 2.92M | 2.78M | 2.84M | 2.48M | 2.99M | 3.28M | 3.78M | 4.64M | 6.16M | 7.27M | 7.24M | 6.77M | 6.29M | 4.96M | 4.93M | 5.59M | 7M | 7.39M | 6M | 4.9M | 3.4M | 3.08M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 627K | 916K | 739K | 627K | 396K | 295K | 334K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 627K | 916K | 739K | 627K | 396K | 295K | 334K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 9.55M | 9.32M | 9.31M | 9.23M | 8.83M | 9.38M | 10.25M | 8.23M | 8.7M | 6.64M | 6.04M | 5.42M | 6.37M | 6.69M | 6.6M | 4.8M | 5.84M | 6.35M | 6.51M | 7.12M | 6.86M | 7.44M | 7.91M | 8.04M | 8.12M | 19.33M | 7.53M | 8.4M | 7.4M | 6.8M | 12.84M |
| Other Assets | 11.57M | 22.23M | 22.34M | 9.51M | 8.24M | 8.15M | 7.97M | 8.2M | 9.11M | 9.72M | 10.8M | 10.49M | 9.52M | 17.57M | 27.74M | 35.3M | 46.46M | 49.46M | 53.85M | 58.35M | 47.65M | 54.64M | 46.09M | 39.2M | 29.42M | 22.91M | 37.4M | 29M | 17.7M | 13.7M | 8.42M |
| Total Current Assets | 61.32M | 57.37M | 57.51M | 82.25M | 44.24M | 91.8M | 137.19M | 94.41M | 70.95M | 102.36M | 85.08M | 118.9M | 157.91M | 250.33M | 198.1M | 174.96M | 135.58M | 86.95M | 22.39M | 80.57M | 123.06M | 200.01M | 129.79M | 168.69M | 100.53M | 171.13M | 26.36M | 25.7M | 28.3M | 23.5M | 33.91M |
| Total Non-Current Assets | 1.16B | 1.19B | 1.21B | 1.25B | 1.14B | 1.09B | 1.04B | 990.44M | 1.1B | 1.1B | 1.09B | 1.06B | 947.72M | 960.71M | 1.06B | 1.14B | 1.26B | 1.49B | 1.61B | 1.57B | 1.5B | 1.43B | 1.19B | 1.09B | 904.79M | 946.1M | 1.12B | 931.7M | 787.9M | 592M | 550.93M |
| Total Assets | 1.22B | 1.25B | 1.27B | 1.33B | 1.19B | 1.18B | 1.18B | 1.08B | 1.18B | 1.2B | 1.17B | 1.17B | 1.11B | 1.21B | 1.26B | 1.31B | 1.4B | 1.58B | 1.63B | 1.65B | 1.62B | 1.63B | 1.32B | 1.26B | 1.01B | 1.12B | 1.15B | 957.4M | 816.2M | 615.5M | 584.85M |
| Asset Growth % | -9.74% | -2.09% | -4.56% | 12.29% | 0.29% | 0.57% | 8.48% | -7.72% | -2.09% | 2.5% | -0.27% | 6.23% | -8.7% | -3.96% | -4.08% | -6.06% | -11.41% | -3.24% | -0.91% | 1.54% | -0.59% | 23.74% | 4.56% | 25.48% | -10.02% | -2.66% | 19.89% | 17.3% | 32.61% | 5.24% | - |
| Return on Assets (ROA) | 0.5% | 0.5% | 0.56% | 0.68% | 0.77% | 0.64% | 0.68% | 0.39% | 0.18% | 0.44% | 0.64% | 0.86% | 0.57% | 2.09% | 0.84% | 0.97% | 0.07% | -0.46% | 0.05% | 0.69% | 1.26% | 1.27% | 1.17% | 1.49% | 0.86% | 0.78% | 0.69% | 1.18% | 0.7% | 0.32% | 0.48% |
| Accounts Payable | 0 | 0 | 0 | 17.68M | 17.88M | 17.36M | 18.84M | 21.83M | 21.33M | 19.66M | 20.25M | 17.96M | 20.47M | 21.57M | 28.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 186.31M | 213.07M | 238.5M | 235.01M | 85M | 100.98M | 141.05M | 101.11M | 126.16M | 126.23M | 91.3M | 91.37M | 41.43M | 106.49M | 126.55M | 206.6M | 309.65M | 456.69M | 479.33M | 502.77M | 546.21M | 737.85M | 324.88M | 367.94M | 202.47M | 265.83M | 341.67M | 214.5M | 132.1M | 6.8M | 8.58M |
| Net Debt | 129.18M | 159.98M | 187.12M | 169.16M | 61.59M | 30.71M | 25.01M | 30.48M | 82.86M | 53.4M | 40.09M | 9.96M | -77.51M | -87.35M | -18.59M | 64.05M | 213.45M | 399.79M | 464.22M | 489.95M | 529.85M | 711.94M | 286.53M | 319.09M | 174.77M | 238.99M | 322.7M | 194.8M | 108.7M | -13.3M | -22.25M |
| Long-Term Debt | 94M | 213M | 238.5M | 235.01M | 85M | 100.98M | 141.05M | 101.11M | 126.16M | 126.23M | 91.3M | 91.37M | 41.43M | 106.49M | 126.55M | 206.6M | 309.65M | 456.69M | 479.33M | 502.77M | 546.21M | 560.85M | 255.88M | 367.94M | 202.47M | 204.79M | 116.67M | 53.3M | 132.1M | 6.8M | 8.58M |
| Short-Term Debt | 90.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 177M | 69M | 0 | 0 | 61.04M | 225M | 161.2M | 0 | 0 | 0 |
| Other Liabilities | 904.74M | 15.22M | 15.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20.44M | 29.08M | 18.77M | 0 | 0 | 0 | -177M | 0 | 0 | 0 | 0 | 0 | -100K | -100K | 100K | 10.93M |
| Total Current Liabilities | 90.18M | 888.77M | 888.35M | 968.25M | 973.39M | 955.33M | 911.81M | 863.1M | 928.93M | 946.18M | 946.63M | 942.05M | 918.34M | 944.58M | 989.59M | 945.77M | 932.93M | 989.25M | 1.03B | 1.02B | 940.05M | 1.13B | 953.18M | 786.69M | 699.82M | 815.17M | 942.17M | 814.5M | 597.5M | 523.2M | 479.37M |
| Total Non-Current Liabilities | 1B | 228.3M | 253.91M | 235.01M | 85M | 100.98M | 141.05M | 101.11M | 126.16M | 126.23M | 91.3M | 91.37M | 41.43M | 106.49M | 126.55M | 227.04M | 338.72M | 475.46M | 479.33M | 502.77M | 546.21M | 383.85M | 255.88M | 367.94M | 202.47M | 204.79M | 116.67M | 53.2M | 132M | 6.9M | 19.5M |
| Total Liabilities | 1.09B | 1.12B | 1.14B | 1.2B | 1.06B | 1.06B | 1.05B | 964.21M | 1.06B | 1.07B | 1.04B | 1.03B | 959.77M | 1.05B | 1.12B | 1.17B | 1.27B | 1.46B | 1.51B | 1.52B | 1.49B | 1.51B | 1.21B | 1.15B | 902.29M | 1.02B | 1.06B | 867.7M | 729.5M | 530.1M | 498.88M |
| Total Equity | 126.57M | 128.54M | 129.94M | 129.69M | 128.65M | 127.28M | 123.98M | 120.64M | 120.46M | 128.23M | 133.45M | 141.14M | 145.86M | 159.97M | 144.78M | 141.74M | 127.74M | 114.91M | 123.98M | 128.93M | 136.21M | 122.99M | 109.98M | 106.88M | 103.03M | 97.26M | 88.97M | 89.7M | 86.7M | 85.4M | 85.97M |
| Equity Growth % | -4.7% | -1.07% | 0.2% | 0.81% | 1.08% | 2.67% | 2.76% | 0.15% | -6.06% | -3.91% | -5.45% | -3.24% | -8.82% | 10.5% | 2.14% | 10.96% | 11.17% | -7.32% | -3.84% | -5.35% | 10.75% | 11.83% | 2.9% | 3.73% | 5.94% | 9.32% | -0.82% | 3.46% | 1.52% | -0.66% | - |
| Equity / Assets (Capital Ratio) | 10.4% | 10.32% | 10.21% | 9.73% | 10.84% | 10.75% | 10.53% | 11.12% | 10.25% | 10.68% | 11.39% | 12.02% | 13.19% | 13.21% | 11.48% | 10.78% | 9.13% | 7.27% | 7.59% | 7.83% | 8.4% | 7.54% | 8.34% | 8.47% | 10.25% | 8.71% | 7.75% | 9.37% | 10.62% | 13.87% | 14.7% |
| Return on Equity (ROE) | 4.77% | 4.84% | 5.66% | 6.65% | 7.11% | 6.02% | 6.29% | 3.66% | 1.71% | 3.98% | 5.44% | 6.83% | 4.32% | 16.93% | 7.55% | 9.81% | 0.92% | -6.23% | 0.68% | 8.51% | 15.85% | 16.05% | 13.9% | 16.09% | 9.1% | 9.54% | 8.12% | 11.9% | 5.81% | 2.22% | 3.26% |
| Book Value per Share | 19.63 | 19.01 | 18.67 | 18.03 | 17.27 | 16.88 | 16.36 | 15.88 | 15.64 | 15.83 | 15.62 | 15.38 | 14.43 | 14.76 | 12.83 | 12.42 | 14.32 | 18.53 | 19.95 | 19.31 | 19.79 | 17.33 | 15.25 | 13.92 | 12.67 | 12.04 | 10.68 | 9.62 | 8.55 | 8.07 | 7.46 |
| Tangible BV per Share | 19.63 | 19.01 | 18.67 | 18.03 | 17.27 | 16.88 | 16.36 | 15.80 | 15.52 | 15.74 | 15.55 | 15.34 | 14.40 | 14.73 | 12.83 | 12.42 | 14.32 | 18.53 | 19.95 | 19.31 | 19.79 | 17.33 | 15.25 | 13.92 | 12.67 | 12.04 | 10.68 | 9.62 | 8.55 | 8.07 | 7.46 |
| Common Stock | 183K | 183K | 183K | 183K | 183K | 183K | 181K | 181K | 181K | 180K | 178K | 177K | 177K | 177K | 176K | 176K | 176K | 124K | 124K | 124K | 124K | 120K | 119K | 78K | 77K | 51K | 51K | 100K | 0 | 0 | 51K |
| Additional Paid-in Capital | 99.55M | 99.15M | 98.53M | 99.5M | 98.83M | 97.98M | 95.59M | 94.35M | 94.96M | 93.21M | 90.8M | 88.89M | 88.26M | 87.74M | 86.76M | 85.43M | 85.66M | 72.71M | 75.16M | 69.46M | 66.8M | 59.5M | 57.19M | 54.73M | 52.18M | 51.54M | 51.25M | 51.1M | 0 | 0 | 49.74M |
| Retained Earnings | 214.16M | 212.4M | 209.91M | 207.27M | 202.68M | 197.73M | 194.34M | 190.84M | 190.62M | 192.75M | 191.67M | 188.21M | 182.46M | 179.82M | 156.56M | 148.15M | 135.38M | 134.62M | 143.05M | 149.52M | 142.87M | 126.38M | 111.33M | 98.66M | 82.81M | 73.7M | 64.81M | 57.6M | 47.1M | 42.1M | 40.13M |
| Accumulated OCI | 14K | 17K | -3K | -38K | 2K | 72K | 104K | 161K | 210K | 229K | 313K | 331K | 386K | 554K | 626K | 638K | 464K | 1.4M | 437K | 518K | -1.05M | -963K | -1.9M | -790K | -2M | -3.04M | -4.45M | -4.9M | 600K | 500K | 0 |
| Treasury Stock | -187.33M | -183.21M | -178.69M | -177.24M | -173.04M | -168.69M | -166.25M | -164.89M | -165.51M | -158.14M | -149.51M | -136.47M | -125.42M | -108.31M | -99.34M | -92.65M | -93.94M | -93.94M | -94.8M | -90.69M | -72.52M | -62.05M | -56.75M | -45.8M | -30.03M | -24.99M | -22.7M | -14.1M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Localized geographic concentration risk
According to the latest quarterly balance sheet data, total assets have remained essentially flat at $1.2 billion since 2026Q1, indicating that the bank is struggling to achieve meaningful organic expansion within its highly concentrated Inland Empire footprint despite the broader regional economic activity.
The lack of asset growth suggests that the bank's current business model is failing to capture new market share, potentially due to intense local competition or a conservative lending posture. Investors should monitor whether this stagnation reflects a deliberate risk-mitigation strategy or an inability to deploy capital effectively in a high-rate environment.
As reported in financial statements, the equity-to-assets ratio has remained consistently at 0.10 over the past ten quarters, suggesting that while the bank maintains a stable regulatory capital buffer, it is not actively leveraging its balance sheet to drive higher returns on equity for shareholders.
The persistent 0.10 ratio indicates a highly conservative capital structure that may be under-utilizing the bank's potential for growth. While this provides a cushion against localized shocks, it also raises questions about whether management is prioritizing capital preservation over the pursuit of more aggressive, value-accretive lending opportunities.
Based on the provided figures, investment securities account for approximately $1.1 billion of the $1.2 billion total asset base, revealing a heavy reliance on fixed-income holdings rather than a diversified loan book to generate interest income for the institution.
This high concentration in securities suggests that the bank's liquidity profile is heavily sensitive to interest rate fluctuations and the duration of its investment portfolio. Such a structure may limit the bank's ability to benefit from loan-driven NIM expansion, as the asset side of the balance sheet remains tethered to the performance of its securities holdings.
As indicated by the bank's operational footprint, the extreme geographic concentration in Riverside County creates a binary risk profile where the entire balance sheet is vulnerable to localized economic downturns that could disproportionately impact asset quality and deposit stability in the Inland Empire region.
The lack of geographic diversification means that any localized decline in property values or employment in Riverside County could lead to a rapid deterioration in credit quality. Investors should consider this concentration as a primary risk factor that could override the bank's otherwise stable and conservative balance sheet metrics.
Quick answers to the most common questions about buying PROV stock.
As of 2025, Provident Financial Holdings, Inc. (PROV) had total assets of $1.25B including $57.4M in current assets.
Provident Financial Holdings, Inc. (PROV) carries total debt of $213.1M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Provident Financial Holdings, Inc. (PROV) has total shareholders' equity (book value) of $128.5M ($19.01 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Provident Financial Holdings, Inc. (PROV) reported a current ratio of 0.06x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.