Provident Financial Holdings Inc (PROV) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2026, Provident Financial reported revenue of $40.1M, up 2.7% from $39.0M the year before. Net income was $6.7M (a 16.6% net margin), or $1.03 per diluted share. Net interest income was $36.3M, and the efficiency ratio (noninterest expense / revenue) was 77.3%. Operating activities generated $9.0M of cash, leaving $8.5M of free cash flow. At fiscal year end, Provident Financial held $1.21B in total assets against $1.08B in total liabilities, including $49.2M of cash and equivalents.
Open the full interactive Provident Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Provident Financial Key Stats
| Share Price | $18.10 |
|---|---|
| Market Cap | $117.3M |
| P/E Ratio | 17.6 |
| Dividend Yield | 3.06% |
| Revenue YoY Growth | +2.7% |
| 52-Week Range | $14.64 – $18.71 |
| Shares Outstanding | 6.4 million (basic, 2026 Q4) |
Provident Financial Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $30.6M | $31.6M | $37.0M | $34.9M | $35.5M | $36.3M |
| Provision for Credit Losses | -$708,000 | -$2.5M | $374,000 | -$63,000 | -$666,000 | -$553,000 |
| Noninterest Income | $4.6M | $4.7M | $4.1M | $3.9M | $3.5M | $3.7M |
| Noninterest Expense | $25.7M | $25.9M | $28.3M | $28.5M | $30.8M | $31.0M |
| Revenue | $35.2M | $36.3M | $41.1M | $38.9M | $39.0M | $40.1M |
| Pre-Tax Income | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| Income Tax | $2.6M | $3.8M | $3.8M | $3.0M | $2.6M | $3.0M |
| Net Income | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| Diluted EPS | $1.00 | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
Provident Financial Quarterly Results
| 2026 Q1 | 2026 Q2 | 2026 Q3 | 2026 Q4 | |
|---|---|---|---|---|
| Revenue | $9.7M | $9.8M | $9.9M | $10.6M |
| Net Income | $1.7M | $1.4M | $1.4M | $2.2M |
| Diluted EPS | $0.25 | $0.22 | $0.21 | $0.34 |
Provident Financial Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $70.3M | $23.4M | $65.8M | $51.4M | $53.1M | $49.2M |
| Loans (Net) | $851.0M | $940.0M | $1.08B | $1.05B | $1.05B | $1.03B |
| Total Assets | $1.18B | $1.19B | $1.33B | $1.27B | $1.25B | $1.21B |
| Deposits | $938.0M | $955.5M | $950.6M | $888.3M | $888.8M | $910.4M |
| Total Long-Term Debt | $101.0M | $85.0M | $235.0M | $238.5M | $213.1M | $157.0M |
| Total Liabilities | $1.06B | $1.06B | $1.20B | $1.14B | $1.12B | $1.08B |
| Shareholders' Equity | $127.3M | $128.7M | $129.7M | $129.9M | $128.5M | $126.2M |
Provident Financial Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $11.6M | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| Cash From Investing | -$55.9M | -$51.7M | -$109.9M | $45.1M | $26.5M | $31.5M |
| Cash From Financing | -$1.5M | -$6.9M | $136.0M | -$65.2M | -$33.4M | -$44.3M |
| Free Cash Flow | $11.3M | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
| Dividends Paid | $4.2M | $4.1M | $4.0M | $3.9M | $3.8M | $3.6M |
Figures from Provident Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Provident Financial financials page for every line item.
Provident Financial Company Profile
| Ticker | PROV |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Riverside, California |
| Incorporated in | Delaware |
| Fiscal Year End | June 30 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001010470 |
Frequently Asked Questions
What was Provident Financial's revenue in fiscal 2026?
Provident Financial (PROV) reported revenue of $40.1M for fiscal 2026.
What is Provident Financial's annual revenue history?
Provident Financial's annual revenue by fiscal year: 2021: $35.2M; 2022: $36.3M; 2023: $41.1M; 2024: $38.9M; 2025: $39.0M; 2026: $40.1M.
What was Provident Financial's net income in fiscal 2026?
Provident Financial reported net income of $6.7M for fiscal 2026.
What was Provident Financial's earnings per share (EPS) in fiscal 2026?
Provident Financial's diluted EPS was $1.03 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did Provident Financial generate in fiscal 2026?
Provident Financial generated $8.5M of free cash flow in fiscal 2026.
What was Provident Financial's revenue last quarter?
In its most recent reported quarter (2026 Q4), Provident Financial reported revenue of $10.6M.
How much debt does Provident Financial have?
Provident Financial reported $157.0M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of Provident Financial are outstanding?
Provident Financial reported a weighted average of 6.4 million basic shares outstanding in 2026 Q4.
What is Provident Financial's market cap?
Based on its latest closing price, Provident Financial (PROV) has a market capitalization of about $117.3M.
When does Provident Financial's fiscal year end?
Provident Financial's fiscal year end, as registered with the SEC, is June 30.
Where is Provident Financial headquartered?
Provident Financial lists its business address in Riverside, California in its SEC filings.
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