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Financials · PROV

Provident Financial Holdings Inc. (PROV) financials

For the twelve months ended Sep 30, 2026, Provident Financial Holdings Inc. reported $40.88M of revenue and $6.55M of net income.

Revenue, TTM
$40.88M
Revenue growth, YoY
+4.2%
Net income, TTM
$6.55M
Net income growth, YoY
+8.5%
Net margin
16.0%
Free cash flow, TTM
$10.34M
EPS, diluted, TTM
$1.03
EPS growth, YoY
+14.4%
Cash
$53.24M
P/E
17.21
P/S
2.76
Market cap
$112.7M
Annual revenue$40.05M
FY2017FY2026
Annual net income$6.66M
FY2017FY2026
Annual free cash flow$8.54M
FY2017FY2026

PROV revenue and earnings growth

PROV revenueQ1 2027$10.57M

Quarter YoY
+8.5%
QoQ
-0.2%
FY YoY
+2.7%
5Y CAGR
+2.6%
10Y CAGR
-5.3%

PROV revenue was $10.57M in fiscal Q1 2027 (ended Sep 30, 2026), up 8.5% from a year earlier and down 0.2% from the prior quarter. For the full fiscal 2026 it was $40.05M, up 2.7% from fiscal 2025. Compound annual growth was +2.6% over 5 years and -5.3% over 10 years. It rose in 4 of the last 10 fiscal years.

PROV net incomeQ1 2027$1.57M

Quarter YoY
-6.4%
QoQ
-28.0%
FY YoY
+6.4%
5Y CAGR
-2.5%
10Y CAGR
-1.2%

PROV net income was $1.57M in fiscal Q1 2027 (ended Sep 30, 2026), down 6.4% from a year earlier and down 28.0% from the prior quarter. For the full fiscal 2026 it was $6.66M, up 6.4% from fiscal 2025. Compound annual growth was -2.5% over 5 years and -1.2% over 10 years. It rose in 4 of the last 10 fiscal years.

PROV EPSQ1 2027$0.25

Quarter YoY
+0.0%
QoQ
-28.6%
FY YoY
+10.8%
5Y CAGR
+0.6%

PROV diluted EPS was $0.25 in fiscal Q1 2027 (ended Sep 30, 2026), up 0.0% from a year earlier and down 28.6% from the prior quarter. For the full fiscal 2026 it was $1.03, up 10.8% from fiscal 2025. Compound annual growth was +0.6% over 5 years.

PROV free cash flowQ1 2027$4.26M

Quarter YoY
+73.6%
QoQ
+28.6%
FY YoY
+4.7%
5Y CAGR
-5.5%
10Y CAGR
-15.5%

PROV free cash flow was $4.26M in fiscal Q1 2027 (ended Sep 30, 2026), up 73.6% from a year earlier and up 28.6% from the prior quarter. For the full fiscal 2026 it was $8.54M, up 4.7% from fiscal 2025. Compound annual growth was -5.5% over 5 years and -15.5% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue$40.05M$39.00M$38.86M$41.06M$36.31M$35.21M$40.92M$50.68M$58.20M$66.56M
Interest expense---$9.01M$3.13M$4.56M$6.05M$6.21M$6.41M$6.68M
Pre-tax income$9.64M$8.87M$10.39M$12.42M$12.86M$10.19M$10.90M$5.92M$5.53M-
Income tax$2.98M$2.62M$3.04M$3.82M$3.77M$2.63M$3.21M$1.50M$3.40M$3.61M
Net income$6.66M$6.25M$7.35M$8.59M$9.09M$7.56M$7.69M$4.42M$2.13M$5.21M
EPS, basic$1.04$0.93$1.06$1.20$1.23$1.01$1.03$0.59$0.28$0.66
EPS, diluted$1.03$0.93$1.06$1.19$1.22$1.00$1.01$0.58$0.28$0.64
Diluted shares6.5M6.8M7.0M7.2M7.4M7.5M7.6M7.6M7.7M8.10B

Balance sheet

Balance sheet
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Cash and equivalents$49.21M$53.09M$51.38M$65.85M$23.41M$70.27M$116.03M$70.63M$43.30M$72.83M
Total assets$1.21B$1.25B$1.27B$1.33B$1.19B$1.18B$1.18B$1.08B$1.18B$1.20B
Total liabilities$1.08B$1.12B$1.14B$1.20B$1.06B$1.06B$1.05B$964.21M$1.06B$1.07B
Shareholders' equity$126.22M$128.54M$129.94M$129.69M$128.65M$127.28M$123.98M$120.64M$120.46M$128.23M

Cash flow

Cash flow
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Operating cash flow$8.97M$8.69M$5.68M$16.32M$11.79M$11.57M$7.95M$107.09M$27.99M$83.44M
Capital expenditures$432.0K$530.0K$1.59M$741.0K$165.0K$225.0K$229.0K$449.0K$2.91M$1.49M
Free cash flow$8.54M$8.15M$4.10M$15.58M$11.63M$11.35M$7.72M$106.64M$25.08M$81.95M
Investing cash flow$31.50M$26.46M$45.06M-$109.90M-$51.75M-$55.87M-$48.91M$17.29M-$27.30M-$84.52M
Financing cash flow-$44.35M-$33.43M-$65.22M$136.01M-$6.90M-$1.47M$86.36M-$97.05M-$30.21M$22.69M
Dividends paid$3.59M$3.77M$3.89M$4.00M$4.15M$4.17M$4.18M$4.19M$4.23M$4.12M
Share repurchases$5.98M$4.45M$2.60M$4.65M$4.30M$2.34M$1.28M$1.41M$7.35M$8.71M
Stock-based compensation$599.0K$543.0K$240.0K$1.19M$798.0K$1.30M$954.0K$869.0K$1.05M$1.49M
Depreciation and amortization$1.60M$1.60M$1.60M$1.40M$1.50M$1.60M$1.50M$881.0K$845.0K$891.0K

Key ratios

Key ratios
Line item
FY2026
Jun 30, 2026
FY2025
Jun 30, 2025
FY2024
Jun 30, 2024
FY2023
Jun 30, 2023
FY2022
Jun 30, 2022
FY2021
Jun 30, 2021
FY2020
Jun 30, 2020
FY2019
Jun 30, 2019
FY2018
Jun 30, 2018
FY2017
Jun 30, 2017
Revenue growth, YoY2.7%0.3%-5.3%13.1%3.1%-14.0%-19.3%-12.9%-12.6%-4.1%
Net income growth, YoY6.4%-14.9%-14.4%-5.5%20.3%-1.7%74.1%107.3%-59.1%-30.3%
EPS growth, YoY10.8%-12.3%-10.9%-2.5%22.0%-1.0%74.1%107.1%--27.3%
Net margin16.6%16.0%18.9%20.9%25.0%21.5%18.8%8.7%3.7%7.8%
Free cash flow margin21.3%20.9%10.5%38.0%32.0%32.2%18.9%210.4%43.1%123.1%
Return on equity5.3%4.9%5.7%6.6%7.1%5.9%6.2%3.7%1.8%4.1%
Return on assets0.6%0.5%0.6%0.6%0.8%0.6%0.7%0.4%0.2%0.4%

Source: XBRL data Provident Financial Holdings Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PROV peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PROV$40.88M+4.2%$6.55M16.0%$112.7M
HSBC$68.27B+3.7%$23.13B33.9%$309.74B
EBC$1.19B+61.8%$381.02M32.1%$5.34B
AX$1.55B+23.0%$507.67M32.7%$5.33B
TFSL$343.73M+10.5%$102.06M29.7%$4.65B
PFS$924.11M+8.6%$310.15M33.6%$3.20B
BKU$1.13B+5.4%$273.97M24.3%$3.07B
CFFN$229.25M+19.4%$82.83M36.1%$1.08B

PROV FAQ

8 questions
  • What is PROV revenue?
    Provident Financial Holdings Inc. (PROV) reported $40.88M of revenue for the twelve months ended Sep 30, 2026. That is up 4.2% from the year before. Revenue for fiscal 2026 was $40.05M.
  • Is PROV profitable?
    Yes. Provident Financial Holdings Inc. earned $6.55M in net income for the twelve months ended Sep 30, 2026, a net margin of 16.0%.
  • How much cash and debt does PROV have?
    Provident Financial Holdings Inc. reported $53.24M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PROV revenue growing?
    Provident Financial Holdings Inc.'s revenue changed +2.7% in fiscal 2026, to $40.05M. Its compound annual growth rate was +2.6% over 5 years and -5.3% over 10 years.
  • What is PROV free cash flow?
    Provident Financial Holdings Inc. generated $10.34M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $10.86M less capital expenditures.
  • What is PROV earnings per share?
    Diluted earnings per share were $1.03 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PROV last report financial results?
    The latest statements here come from Provident Financial Holdings Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this PROV financial data come from?
    Quantisnow builds these statements from the structured XBRL data Provident Financial Holdings Inc. files with the SEC. It is provided for information only and is not investment advice.