PROV · Provident Financial Holdings Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.60M | $1.60M | $1.40M | $1.50M | $1.60M | $1.50M |
| Operating Income | $8.87M | $10.39M | $12.42M | $12.86M | $10.19M | $10.90M |
| Interest Expense | - | - | $9.01M | $3.13M | $4.56M | $6.05M |
| Income Tax | $2.62M | $3.04M | $3.82M | $3.77M | $2.63M | $3.21M |
| Net Income | $6.25M | $7.35M | $8.59M | $9.09M | $7.56M | $7.69M |
| EPS - Basic | $0.93 | $1.06 | $1.20 | $1.23 | $1.01 | $1.03 |
| EPS - Diluted | $0.93 | $1.06 | $1.19 | $1.22 | $1.00 | $1.01 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $53.09M | $51.38M | $65.85M | $23.41M | $70.27M | $116.03M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.25B | $1.27B | $1.33B | $1.19B | $1.18B | $1.18B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.12B | $1.14B | $1.20B | $1.06B | $1.06B | $1.05B |
| Stockholders' Equity | $128.54M | $129.94M | $129.69M | $128.65M | $127.28M | $123.98M |
| Retained Earnings | $212.40M | $209.91M | $207.27M | $202.68M | $197.73M | $194.34M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.69M | $5.68M | $16.32M | $11.79M | $11.57M | $7.95M |
| Investing Cash Flow | $26.46M | $45.06M | ($109.90M) | ($51.75M) | ($55.87M) | ($48.91M) |
| Financing Cash Flow | ($33.43M) | ($65.22M) | $136.01M | ($6.90M) | ($1.47M) | $86.36M |
| CapEx | $530.0K | $1.59M | $741.0K | $165.0K | $225.0K | $229.0K |
| Free Cash Flow | $8.15M | $4.10M | $15.58M | $11.63M | $11.35M | $7.72M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.30 | 0.56 | 1.81 | 1.28 | 1.50 | 1.00 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 29.5% | 29.2% | 30.8% | 29.3% | 25.8% | 29.5% |
| Return on assets | 0.5% | 0.6% | 0.6% | 0.8% | 0.6% | 0.7% |
| Return on equity | 4.9% | 5.7% | 6.6% | 7.1% | 5.9% | 6.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.4x | 4.1x | 2.2x | 1.8x |
| Equity multiplier | 9.69 | 9.79 | 10.28 | 9.23 | 9.30 | 9.49 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 16.7x | 11.8x | 10.7x | 12.2x | 17.3x | 13.3x |
| P / B | 0.8x | 0.7x | 0.7x | 0.9x | 1.0x | 0.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 4.9x | 3.0x | 1.9x | 6.1x | 5.1x | -1.2x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -14.6% | -16.3% | -3.4% | 26.2% | -6.6% | 97.2% |
| Net income growth (YoY) | -14.9% | -14.4% | -5.5% | 20.3% | -1.7% | 74.1% |
| EPS growth (YoY) | -12.3% | -10.9% | -2.5% | 22.0% | -1.0% | 74.1% |
| EPS CAGR (3y) | -8.7% | 2.0% | 5.6% | 28.1% | 52.9% | 16.4% |
| EPS CAGR (5y) | -1.6% | 12.8% | 33.6% | 13.8% | 2.6% | -1.1% |
| FCF growth (YoY) | 99.1% | -73.7% | 34.0% | 2.5% | 46.9% | -92.8% |
| FCF CAGR (5y) | 1.1% | -47.9% | -9.1% | -32.2% | -24.5% | - |
| Book value growth (YoY) | -1.1% | 0.2% | 0.8% | 1.1% | 2.7% | 2.8% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing PROVIDENT FINANCIAL HOLDINGS INC against the 5 most active filers in the same SIC group.
Dividends
$0.56/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 14, 2026 | $0.1400 |
| Feb 12, 2026 | $0.1400 |
| Nov 13, 2025 | $0.1400 |
| Aug 14, 2025 | $0.1400 |
| May 15, 2025 | $0.1400 |
| Feb 13, 2025 | $0.1400 |
| Nov 14, 2024 | $0.1400 |
| Aug 15, 2024 | $0.1400 |
| May 15, 2024 | $0.1400 |
| Feb 14, 2024 | $0.1400 |
| Nov 15, 2023 | $0.1400 |
| Aug 16, 2023 | $0.1400 |
| May 17, 2023 | $0.1400 |
| Feb 13, 2023 | $0.1400 |
| Nov 16, 2022 | $0.1400 |
| Aug 17, 2022 | $0.1400 |
| May 18, 2022 | $0.1400 |
| Feb 14, 2022 | $0.1400 |
| Nov 17, 2021 | $0.1400 |
| Aug 11, 2021 | $0.1400 |
| May 17, 2021 | $0.1400 |
| Feb 17, 2021 | $0.1400 |
| Nov 18, 2020 | $0.1400 |
| Aug 19, 2020 | $0.1400 |