NMS · Financial Statements

Provident Financial Holdings, Inc. (PROV) Financial Statements

$18.20 NMS: PROV Market Cap $113.46M

Provident Financial Holdings, Inc. most recently reported annual revenue of $60.0M, net profit of $7.0M. Revenue grew at an average annual rate of 8.4% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Provident Financial Holdings, Inc.: Revenue fell from $73.0M in 2017 to $60.0M in 2026, a change of -17.8% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 12.0% to 16.2%, a shift of +4.1 percentage points; the most recent year shows net profit of $7.0M.

Income Statement — 10 Years (USD millions)

Metric2017201820192020202120222023202420252026
Revenue$73.0M$65.0M$57.0M$47.0M$40.0M$39.0M$50.0M$59.0M$60.0M$60.0M
Operating Expenses$64.0M$59.0M$51.0M$36.0M$30.0M$27.0M$38.0M$48.0M$51.0M$50.0M
Operating Profit$9.0M$6.0M$6.0M$11.0M$10.0M$13.0M$12.0M$10.0M$9.0M$10.0M
Operating Margin12.0%8.6%10.4%23.2%25.6%32.6%24.8%17.7%14.8%16.2%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$7.0M$6.0M$6.0M$6.0M$5.0M$3.0M$9.0M$20.0M$21.0M$20.0M
Depreciation$3.0M$3.0M$3.0M$3.0M$6.0M$5.0M$3.0M$3.0M$3.0M$0
Profit Before Tax$9.0M$6.0M$6.0M$11.0M$10.0M$13.0M$12.0M$10.0M$9.0M$10.0M
Tax$40.9M$61.4M$25.4M$29.5M$25.8M$29.3M$30.8M$29.2M$29.5M$30.9M
Net Profit$5.0M$2.0M$4.0M$8.0M$8.0M$9.0M$9.0M$7.0M$6.0M$7.0M
EPS$0.64$0.28$0.58$1.01$1.00$1.22$1.19$1.06$0.93$1.03
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$14.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M$15.0M
Operating Expenses$12.0M$12.0M$13.0M$13.0M$12.0M$14.0M$13.0M$13.0M$12.0M$13.0M$13.0M$12.0M
Operating Profit$2.0M$3.0M$2.0M$3.0M$3.0M$1.0M$3.0M$2.0M$3.0M$2.0M$2.0M$3.0M
Operating Margin17.7%20.8%14.4%17.9%18.0%8.2%17.3%15.4%18.3%13.8%13.1%19.3%
Interest$4.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M
Profit Before Tax$2.0M$3.0M$2.0M$3.0M$3.0M$1.0M$3.0M$2.0M$3.0M$2.0M$2.0M$3.0M
Tax$29.2M$29.2M$29.3M$29.2M$29.3M$28.8M$30.0M$29.5M$38.5M$29.9M$29.1M$25.7M
Net Profit$2.0M$2.0M$1.0M$2.0M$2.0M$1.0M$2.0M$2.0M$2.0M$1.0M$1.0M$2.0M
EPS$0.25$0.31$0.22$0.28$0.28$0.13$0.28$0.24$0.25$0.22$0.21$0.34

Over the 10 years reported for Provident Financial Holdings, Inc., borrowings increased from $126.0M in 2017 to $157.0M in 2026, cash stood at $49.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.47 times.

Balance Sheet — 10 Years (USD millions)

Metric2017201820192020202120222023202420252026
Total Assets$1.2B$1.2B$1.1B$1.2B$1.2B$1.2B$1.3B$1.3B$1.2B$1.2B
Current Assets$102.0M$71.0M$94.0M$137.0M$92.0M$44.0M$82.0M$58.0M$57.0M$53.0M
Cash$73.0M$43.0M$71.0M$116.0M$70.0M$23.0M$66.0M$51.0M$53.0M$49.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$3.0M$3.0M$3.0M$3.0M$3.0M$3.0M$4.0M$4.0M$4.0M$4.0M
Fixed Assets$7.0M$9.0M$8.0M$10.0M$9.0M$9.0M$9.0M$9.0M$9.0M$9.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.1B$1.1B$980.0M$1.0B$1.1B$1.1B$1.2B$1.2B$1.2B$1.1B
Other Assets$0$0$0$0$0$0$0$0$0$0
Total Liabilities$1.1B$1.1B$964.0M$1.1B$1.1B$1.1B$1.2B$1.1B$1.1B$1.1B
Current Liabilities$946.0M$929.0M$863.0M$912.0M$955.0M$973.0M$968.0M$888.0M$889.0M$112.0M
Borrowings$126.0M$126.0M$101.0M$141.0M$101.0M$85.0M$235.0M$239.0M$213.0M$157.0M
Other Liabilities$946.0M$929.0M$863.0M$912.0M$955.0M$973.0M$968.0M$904.0M$904.0M$925.0M
Equity$0$0$0$0$0$0$0$0$0$0
Reserves$128.0M$120.0M$121.0M$124.0M$127.0M$129.0M$130.0M$130.0M$129.0M$126.0M

For Provident Financial Holdings, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $9.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2017201820192020202120222023202420252026
Operating Cash Flow$83.0M$28.0M$107.0M$8.0M$12.0M$12.0M$16.0M$6.0M$9.0M$9.0M
Investing Cash Flow$-86.0M$-30.0M$17.0M$-49.0M$-56.0M$-52.0M$-111.0M$43.0M$26.0M$31.0M
Financing Cash Flow$-8.0M$-26.0M$-68.0M$51.0M$43.0M$13.0M$-10.0M$-65.0M$-4.0M$15.0M
Net Cash Flow$22.0M$-30.0M$27.0M$45.0M$-46.0M$-47.0M$42.0M$-14.0M$2.0M$-4.0M
Free Cash Flow$81.0M$25.0M$107.0M$8.0M$11.0M$12.0M$16.0M$4.0M$8.0M$9.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.86
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y13.33%
Return 3Y40.73%
Return 5Y18.75%

Provident Financial Holdings, Inc. (PROV) financials — frequently asked questions

What is Provident Financial Holdings, Inc.'s annual revenue?

Provident Financial Holdings, Inc. (PROV) reported annual revenue of $60.0M in its most recent fiscal year.

What is Provident Financial Holdings, Inc.'s net profit?

Provident Financial Holdings, Inc. (PROV) reported net profit of $7.0M in its most recent fiscal year.

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)JPMorgan (JPM)

Related stock screens

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksHigh ROE StocksLow P/E StocksHigh Net Margin StocksDividend StocksLow Debt StocksAll stock screens
PROV Overview PROV Dividend Run Stock Screener

Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.