NASDAQ : PROV
Provident Financial Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 18.17 USD (Oct 30, 2026, 4:00 PM EST) · Market cap 113.27M
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Financial statements
Income statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 52.02M | 52.02M | 52.54M | 50.19M | 42.19M | 32.16M |
| Interest Income on Investments | 3.87M | 3.87M | 4.08M | 4.54M | 3.80M | 2.57M |
| Total Interest Income | 55.89M | 55.89M | 56.62M | 54.73M | 45.99M | 34.73M |
| Interest Paid on Deposits | 11.82M | 11.82M | 11.23M | 9.67M | 3.15M | 1.14M |
| Interest Paid on Borrowings | 7.74M | 7.74M | 9.93M | 10.14M | 5.86M | 1.99M |
| Total Interest Expense | 19.56M | 19.56M | 21.16M | 19.81M | 9.01M | 3.13M |
| Net Interest Income | 36.33M | 36.33M | 35.47M | 34.92M | 36.98M | 31.59M |
| Gain (Loss) on Sale of Investments | 311.00K | 311.00K | 190.00K | 540.00K | ||
| Other Non-Interest Income | 2.35M | 2.35M | 2.23M | 2.25M | 2.78M | 3.41M |
| Total Non-Interest Income | 3.73M | 3.73M | 3.53M | 3.94M | 4.08M | 4.72M |
| Revenues Before Loan Losses | 40.05M | 40.05M | 39.00M | 38.86M | 41.06M | 36.31M |
| Provision for Loan Losses | -553.00K | -553.00K | -666.00K | -63.00K | 374.00K | -2.46M |
| Revenue | 40.61M | 40.61M | 39.67M | 38.93M | 40.69M | 38.77M |
| Salaries and Employee Benefits | 18.66M | 18.66M | 18.46M | 17.40M | 16.55M | 15.04M |
| Federal Deposit Insurance | 661.00K | 661.00K | 740.00K | 780.00K | 657.00K | 543.00K |
| Selling, General & Administrative | 8.18M | 8.18M | 8.01M | 7.37M | 7.92M | 7.33M |
| Other Non-Interest Expense | 3.47M | 3.47M | 3.58M | 2.98M | 3.14M | 3.01M |
| Total Non-Interest Expense | 30.97M | 30.97M | 30.79M | 28.54M | 28.27M | 25.91M |
| EBT Excluding Unusual Items | 9.64M | 9.64M | 8.87M | 10.39M | 12.42M | 12.86M |
| Pretax Income | 9.64M | 9.64M | 8.87M | 10.39M | 12.42M | 12.86M |
| Income Tax Expense | 2.98M | 2.98M | 2.62M | 3.04M | 3.82M | 3.77M |
| Net Income | 6.66M | 6.66M | 6.25M | 7.35M | 8.59M | 9.09M |
| Net Income to Common | 6.66M | 6.66M | 6.25M | 7.35M | 8.59M | 9.09M |
| Basic Shares Outstanding | 6.42M | 6.42M | 6.72M | 6.94M | 7.14M | 7.40M |
| Diluted Shares Outstanding | 6.48M | 6.48M | 6.76M | 6.96M | 7.19M | 7.45M |
| EPS (Basic) | 1.04 | 1.04 | 0.93 | 1.06 | 1.20 | 1.23 |
| EPS (Diluted) | 1.03 | 1.03 | 0.93 | 1.06 | 1.19 | 1.22 |
| Dividend Per Share | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 |
| Effective Tax Rate | 30.94% | 30.94% | 29.50% | 29.23% | 30.80% | 29.28% |
Balance sheet
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 49.21M | 49.21M | 53.09M | 51.38M | 65.85M | 23.41M |
| Investment Securities | 152.00K | 152.00K | 325.00K | 455.00K | 651.00K | 1.34M |
| Mortgage-Backed Securities | 90.37M | 90.37M | 110.68M | 131.44M | 155.84M | 187.08M |
| Total Investments | 90.52M | 90.52M | 111.01M | 131.90M | 156.49M | 188.42M |
| Gross Loans | 1.04B | 1.04B | 1.05B | 1.06B | 1.08B | 945.56M |
| Allowance for Loan Losses | -5.85M | -5.85M | -6.42M | -7.07M | -5.95M | -5.56M |
| Net Loans | 1.03B | 1.03B | 1.05B | 1.05B | 1.08B | 939.99M |
| Property, Plant & Equipment | 9.23M | 9.23M | 9.32M | 9.31M | 9.23M | 8.83M |
| Accrued Interest Receivable | 4.29M | 4.29M | 4.21M | 4.29M | 3.71M | 2.97M |
| Other Current Assets | 11.62M | 11.62M | 11.94M | 11.63M | 10.31M | 13.75M |
| Long-Term Deferred Tax Assets | 606.00K | 218.00K | 1.43M | |||
| Total Assets | 1.21B | 1.21B | 1.25B | 1.27B | 1.33B | 1.19B |
| Accounts Payable | 10.48M | 10.48M | 11.94M | 13.50M | 15.24M | 15.71M |
| Interest Bearing Deposits | 719.56M | 719.56M | 714.38M | 744.94M | 818.77M | 769.99M |
| Institutional Deposits | 103.96M | 103.96M | 90.82M | 47.78M | 28.79M | 60.43M |
| Non-Interest Bearing Deposits | 86.86M | 86.86M | 83.57M | 95.63M | 103.01M | 125.09M |
| Total Deposits | 910.38M | 910.38M | 888.77M | 888.35M | 950.57M | 955.50M |
| Current Portion of Long-Term Debt | 111.97M | 111.97M | 163.00M | 145.50M | 150.01M | 35.00M |
| Current Portion of Leases | 733.00K | 733.00K | ||||
| Federal Home Loan Bank Debt, Long-Term | 45.03M | 45.03M | 50.00M | 93.00M | 85.00M | 50.00M |
| Long-Term Leases | 1.42M | 1.42M | 1.75M | 1.41M | 2.17M | 2.00M |
| Pension & Post-Retirement Benefits | 702.00K | 702.00K | 741.00K | 450.00K | 270.00K | 174.00K |
| Long-Term Deferred Tax Liabilities | 1.17M | 1.17M | 832.00K | |||
| Other Long-Term Liabilities | 53.00K | 53.00K | 32.00K | 57.00K | ||
| Total Liabilities | 1.08B | 1.08B | 1.12B | 1.14B | 1.20B | 1.06B |
| Common Stock | 183.00K | 183.00K | 183.00K | 183.00K | 183.00K | 183.00K |
| Additional Paid-In Capital | 99.78M | 99.78M | 99.15M | 98.53M | 99.50M | 98.83M |
| Retained Earnings | 215.47M | 215.47M | 212.40M | 209.91M | 207.27M | 202.68M |
| Treasury Stock | -189.22M | -189.22M | -183.21M | -178.69M | -177.24M | -173.04M |
| Comprehensive Income & Other | 13.00K | 13.00K | 17.00K | -3.00K | -38.00K | 2.00K |
| Shareholders' Equity | 126.22M | 126.22M | 128.54M | 129.94M | 129.69M | 128.65M |
| Total Liabilities & Equity | 1.21B | 1.21B | 1.25B | 1.27B | 1.33B | 1.19B |
| Total Debt | 159.15M | 159.15M | 214.75M | 239.91M | 237.18M | 87.00M |
| Net Cash (Debt) | -109.94M | -109.94M | -161.66M | -188.53M | -171.33M | -63.18M |
| Net Cash Per Share | -16.96 | -16.96 | -23.91 | -27.09 | -23.82 | -8.48 |
| Filing Date Shares Outstanding | 6.23M | 6.23M | 6.58M | 6.86M | 7.01M | 7.27M |
| Total Common Shares Outstanding | 6.26M | 6.26M | 6.58M | 6.85M | 7.04M | 7.29M |
| Book Value Per Share | 20.15 | 20.15 | 19.54 | 18.98 | 18.41 | 17.66 |
| Tangible Book Value | 126.22M | 126.22M | 128.54M | 129.94M | 129.69M | 128.65M |
| Tangible Book Value Per Share | 20.15 | 20.15 | 19.54 | 18.98 | 18.41 | 17.66 |
Cash flow statement
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 6.66M | 6.66M | 6.25M | 7.35M | 8.59M | 9.09M |
| Depreciation & Amortization | 3.87M | 3.87M | 3.49M | 3.15M | 3.19M | 4.85M |
| Gain (Loss) on Sale of Investments | -311.00K | -311.00K | -190.00K | -540.00K | ||
| Provision for Credit Losses | -553.00K | -553.00K | -666.00K | -63.00K | 374.00K | -2.46M |
| Change in Accounts Payable | -1.83M | -1.83M | -1.91M | -2.40M | 121.00K | 484.00K |
| Change in Other Net Operating Assets | 200.00K | 200.00K | -266.00K | -2.00M | 1.63M | -2.11M |
| Other Operating Activities | 341.00K | 341.00K | 1.43M | -58.00K | 1.23M | 1.14M |
| Operating Cash Flow | 8.97M | 8.97M | 8.69M | 5.68M | 16.32M | 11.79M |
| Capital Expenditures | -432.00K | -432.00K | -530.00K | -1.59M | -741.00K | -165.00K |
| Investment in Securities | 20.23M | 20.23M | 20.55M | 24.11M | 31.08M | 36.82M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 11.70M | 11.70M | 6.44M | 22.60M | -138.97M | -88.32M |
| Other Investing Activities | -63.00K | -1.27M | -84.00K | |||
| Investing Cash Flow | 31.50M | 31.50M | 26.46M | 45.06M | -109.90M | -51.75M |
| Short-Term Debt Issued | 115.01M | 5.00M | ||||
| Long-Term Debt Issued | 84.00M | 84.00M | 87.00M | 85.50M | 65.00M | |
| Total Debt Issued | 84.00M | 84.00M | 87.00M | 85.50M | 180.01M | 5.00M |
| Short-Term Debt Repaid | -10.00M | -10.00M | -35.00M | -52.00M | ||
| Long-Term Debt Repaid | -130.03M | -130.03M | -77.51M | -30.01M | -30.00M | -20.98M |
| Total Debt Repaid | -140.03M | -140.03M | -112.51M | -82.01M | -30.00M | -20.98M |
| Net Debt Issued (Repaid) | -56.03M | -56.03M | -25.51M | 3.49M | 150.01M | -15.98M |
| Repurchase of Common Stock | -6.34M | -6.34M | -4.58M | -2.60M | -5.07M | -4.30M |
| Common Dividends Paid | -3.59M | -3.59M | -3.77M | -3.89M | -4.00M | -4.15M |
| Net Increase (Decrease) in Deposit Accounts | 21.61M | 21.61M | 424.00K | -62.22M | -4.93M | 17.53M |
| Financing Cash Flow | -44.35M | -44.35M | -33.43M | -65.22M | 136.01M | -6.90M |
| Net Cash Flow | -3.88M | -3.88M | 1.71M | -14.47M | 42.44M | -46.86M |
| Free Cash Flow | 8.54M | 8.54M | 8.15M | 4.10M | 15.58M | 11.63M |
| Free Cash Flow Margin | 21.03% | 21.03% | 20.56% | 10.52% | 38.30% | 29.99% |
| Free Cash Flow Per Share | 1.32 | 1.32 | 1.21 | 0.59 | 2.17 | 1.56 |
| Cash Interest Paid | 20.01M | 20.01M | 21.40M | 19.76M | 7.48M | 3.17M |
| Cash Income Tax Paid | 2.12M | 2.12M | 1.92M | 3.09M | 2.73M | 2.73M |
Ratios
Fiscal year July - June; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 113.46M | 107.56M | 102.63M | 85.97M | 89.54M | 108.04M |
| Last Close Price | 18.17 | 17.07 | 14.85 | 11.54 | 11.26 | 12.58 |
| PE Ratio | 17.67 | 16.16 | 16.41 | 11.70 | 10.42 | 11.88 |
| PS Ratio | 2.79 | 2.65 | 2.59 | 2.21 | 2.20 | 2.79 |
| PB Ratio | 0.90 | 0.85 | 0.80 | 0.66 | 0.69 | 0.84 |
| P/FCF Ratio | 13.25 | 12.60 | 12.59 | 20.99 | 5.75 | 9.29 |
| P/OCF Ratio | 12.61 | 11.99 | 11.82 | 15.12 | 5.49 | 9.16 |
| Debt / Equity Ratio | 1.26 | 1.26 | 1.67 | 1.85 | 1.83 | 0.68 |
| Debt / FCF Ratio | 18.64 | 18.64 | 26.33 | 58.57 | 15.22 | 7.48 |
| Net Debt / Equity Ratio | 0.87 | 0.87 | 1.26 | 1.45 | 1.32 | 0.49 |
| Net Debt / FCF Ratio | 12.88 | 12.88 | 19.82 | 46.03 | 10.99 | 5.43 |
| Return on Equity (ROE) | 5.22% | 5.22% | 4.84% | 5.66% | 6.65% | 7.11% |
| Return on Assets (ROA) | 0.54% | 0.54% | 0.50% | 0.56% | 0.68% | 0.77% |
| Earnings Yield | 5.66% | 6.19% | 6.09% | 8.55% | 9.60% | 8.42% |
| FCF Yield | 7.55% | 7.94% | 7.95% | 4.76% | 17.41% | 10.76% |
| Dividend Yield | 3.08% | 3.26% | 3.59% | 4.46% | 4.41% | 3.78% |
| Payout Ratio | 54.37% | 53.97% | 60.21% | 52.88% | 46.53% | 45.60% |
| Buyback Yield / Dilution | 4.11% | 4.11% | 2.85% | 3.23% | 3.45% | 1.19% |
| Total Shareholder Return | 7.21% | 7.37% | 6.44% | 7.69% | 7.86% | 4.96% |