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 | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $1.91M | $2.05M | $2.73M | $1.22M | $2.65M | $2.69M | $3.02M | $2.12M | $2.49M | $3.35M |
| Interest Expense | - | - | - | - | - | - | $4.89M | $5.25M | $4.20M | $1.79M |
| Income Tax | $557.0K | $614.0K | $1.05M | $352.0K | $797.0K | $789.0K | $884.0K | $620.0K | $727.0K | $981.0K |
| Net Income | $1.35M | $1.44M | $1.68M | $872.0K | $1.86M | $1.90M | $2.14M | $1.50M | $1.76M | $2.37M |
| EPS - Basic | $0.21 | $0.22 | $0.26 | $0.13 | $0.28 | $0.28 | $0.31 | $0.22 | $0.25 | $0.33 |
| EPS - Diluted | $0.21 | $0.22 | $0.25 | $0.13 | $0.28 | $0.28 | $0.31 | $0.22 | $0.25 | $0.33 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $57.13M | $54.37M | $49.41M | $53.09M | $50.91M | $48.19M | $51.38M | $51.73M | $57.98M | $65.85M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.22B | $1.23B | $1.23B | $1.25B | $1.26B | $1.26B | $1.27B | $1.29B | $1.31B | $1.33B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.09B | $1.10B | $1.10B | $1.12B | $1.13B | $1.13B | $1.14B | $1.16B | $1.18B | $1.20B |
| Stockholders' Equity | $126.57M | $127.49M | $128.37M | $128.54M | $128.88M | $129.61M | $129.94M | $129.51M | $129.21M | $129.69M |
| Retained Earnings | $214.16M | $213.69M | $213.16M | $212.40M | $211.70M | $210.85M | $209.91M | $208.92M | $207.23M | $207.27M |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $2.50M | - | - | $2.56M | - | - | $3.36M | - |
| Investing Cash Flow | - | - | $9.74M | - | - | $10.29M | - | - | $9.68M | - |
| Financing Cash Flow | - | - | ($15.92M) | - | - | ($16.04M) | - | - | ($20.92M) | - |
| CapEx | - | - | $44.0K | - | - | $171.0K | - | - | $564.0K | - |
| Free Cash Flow | - | - | $2.45M | - | - | $2.39M | - | - | $2.80M | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | 1.46 | - | - | 1.26 | - | - | 1.59 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 29.1% | 30.0% | 38.5% | 28.8% | 30.0% | 29.3% | 29.2% | 29.3% | 29.2% | 29.3% |
| Return on assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.1% | 0.2% |
| Return on equity | 1.1% | 1.1% | 1.3% | 0.7% | 1.4% | 1.5% | 1.6% | 1.2% | 1.4% | 1.8% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 0.6x | 0.4x | 0.6x | 1.9x |
| Equity multiplier | 9.62 | 9.63 | 9.59 | 9.69 | 9.78 | 9.70 | 9.79 | 9.96 | 10.16 | 10.28 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 76.8x | 72.3x | 63.0x | 119.2x | 52.1x | 51.2x | 40.3x | 60.8x | 52.4x | 38.6x |
| P / B | 0.8x | 0.8x | 0.8x | 0.8x | 0.8x | 0.8x | 0.7x | 0.7x | 0.7x | 0.7x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -28.0% | 67.5% | 1.7% | -59.5% | 25.5% | 8.0% | -9.8% | -35.7% | -15.8% | 4.8% |
| Net income growth (YoY) | -27.1% | 64.7% | -11.5% | -59.3% | 24.2% | 7.8% | -9.7% | -35.6% | -15.7% | 4.7% |
| EPS growth (YoY) | -25.0% | 69.2% | -10.7% | -58.1% | 27.3% | 12.0% | -6.1% | -33.3% | -13.8% | 10.0% |
| EPS CAGR (3y) | -14.0% | -12.6% | -4.8% | -24.3% | 6.8% | -7.2% | 24.7% | 1.6% | 7.7% | 2.1% |
| EPS CAGR (5y) | 0.0% | 6.6% | 4.6% | -16.0% | 13.3% | -3.2% | 3.6% | - | 0.8% | - |
| FCF growth (YoY) | - | - | 2.7% | - | - | -14.7% | - | - | 36.6% | - |
| FCF CAGR (5y) | - | - | -3.8% | - | - | - | - | - | -34.5% | - |
| Book value growth (YoY) | -1.8% | -0.8% | -1.0% | -1.1% | -0.5% | 0.3% | 0.2% | 0.1% | 0.0% | 0.8% |
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 |