Provident Financial Hldgs (PROV) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 2, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PROV SEC filings page.
Provident Financial Hldgs (PROV) reported $40.1M in revenue for fiscal year 2026, up 2.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Provident operates with a heavily liability-funded balance sheet, where modest earnings recovery depends more on funding costs than asset growth.
FY2026 net income recovered to$6.7M while interest expense fell to$19.6M , tying the profit rebound to financing conditions rather than asset growth. Interest expense had reached$21.2M in FY2025, while FY2026 revenue was$40.1M , so stable business volume left funding costs as the clearest earnings lever.
Operating cash flow reached
Total assets declined from
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Provident Financial Hldgs's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Provident Financial Hldgs earned a return on assets of 0.5% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Provident Financial Hldgs scores 28/100 among other banks.
Provident Financial Hldgs reported revenue of $40.1M in fiscal year 2026, against $39.0M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Provident Financial Hldgs scores 22/100 among other banks.
Provident Financial Hldgs funded 10.4% of its assets with shareholders' equity at the end of fiscal year 2026, holding $126.2M of equity against $1.2B of assets. Capital ranks banks on that cushion, and Provident Financial Hldgs scores 35/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Provident Financial Hldgs scores 18/100 on it among other banks.
Not available for Provident Financial Hldgs, and counted as zero in the overall score.
Provident Financial Hldgs reported net income of $6.7M in fiscal year 2026, against $6.3M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Provident Financial Hldgs scores 75/100 among other banks.
Provident Financial Hldgs passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Provident Financial Hldgs generates $1.35 in operating cash flow ($9.0M OCF vs $6.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Provident Financial Hldgs generated $10.6M in revenue in Q4 2026. This represents an increase of 8.5% from the same quarter a year earlier. Against the prior quarter it is up 7.3%.
Provident Financial Hldgs reported $2.2M in net income in Q4 2026. This represents an increase of 34.3% from the same quarter a year earlier. Against the prior quarter it is up 61.3%.
Provident Financial Hldgs earned $0.35 per diluted share (EPS) in Q4 2026. This represents an increase of 40.0% from the same quarter a year earlier. Against the prior quarter it is up 66.7%.
Not reported for Q4 2026.
Cash & Balance Sheet
Provident Financial Hldgs generated $3.3M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 52.7% from the same quarter a year earlier. Against the prior quarter it is up 89.6%.
Provident Financial Hldgs held $49.2M in cash as of Q4 2026; long-term debt is not reported for that period.
Provident Financial Hldgs paid $0.14 per share in dividends in Q4 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Provident Financial Hldgs's net profit margin was 20.6% in Q4 2026, showing the share of revenue converted to profit. This is up 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.9 percentage points.
Provident Financial Hldgs's ROE was 1.7% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
Provident Financial Hldgs spent $1.9M on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 64.0% from the same quarter a year earlier. Against the prior quarter it is up 26.3%.
Provident Financial Hldgs invested $56K in capex in Q4 2026, funding long-term assets and infrastructure. This represents a decrease of 82.1% from the same quarter a year earlier. Against the prior quarter it is down 61.4%.
Not reported for Q4 2026.
PROV Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.6M+8.5% | $9.9M-2.4% | $9.8M+2.5% | $9.7M+2.4% | $9.8M-1.6% | $10.1M+7.6% | $9.6M-0.5% | $9.5M-3.8% |
| SG&A Expenses | $4.9M+2.6% | $4.8M+0.8% | $4.8M-0.9% | $4.8M+3.0% | $4.8M+8.0% | $4.8M+5.2% | $4.8M+5.6% | $4.6M+12.6% |
| Interest Expense | $4.6M-11.4% | $4.7M-10.0% | $5.0M-4.5% | $5.2M-4.5% | $5.2M-4.5% | $5.2M-0.6% | $5.3M+7.6% | $5.5M+29.9% |
| Income Tax | $756K+11.2% | $557K-30.1% | $614K+74.4% | $1.1M+33.6% | $680K-15.5% | $797K+28.5% | $352K-60.2% | $789K+8.5% |
| Net Income | $2.2M+34.3% | $1.4M-27.1% | $1.4M+64.7% | $1.7M-11.5% | $1.6M-16.7% | $1.9M+24.2% | $872K-59.3% | $1.9M+7.8% |
| EPS (Basic) | $0.35+45.8% | $0.21-25.0% | $0.22+69.2% | $0.26-7.1% | $0.24-17.2% | $0.28+27.3% | $0.13-58.1% | $0.28+12.0% |
| EPS (Diluted) | $0.35+40.0% | $0.21-25.0% | $0.22+69.2% | $0.25-10.7% | $0.25-13.8% | $0.28+27.3% | $0.13-58.1% | $0.28+12.0% |
| Diluted Shares (Avg) | N/A | 6M-4.2% | 7M-3.9% | 7M-3.5% | N/A | 7M-2.9% | 7M-2.7% | 7M-2.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PROV Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-3.0% | $1.2B-3.4% | $1.2B-2.2% | $1.2B-2.1% | $1.2B-2.1% | $1.3B-2.3% | $1.3B-3.5% | $1.3B-4.2% |
| Cash & Equivalents | $49.2M-7.3% | $57.1M+12.2% | $54.4M+19.4% | $49.4M+2.5% | $53.1M+3.3% | $50.9M-1.6% | $45.5M-2.9% | $48.2M-16.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.1B-3.1% | $1.1B-3.6% | $1.1B-2.3% | $1.1B-2.2% | $1.1B-2.2% | $1.1B-2.5% | $1.1B-3.8% | $1.1B-4.7% |
| Total Equity | $126.2M-1.8% | $126.6M-1.8% | $127.5M-0.9% | $128.4M-1.0% | $128.5M-1.1% | $128.9M-0.5% | $128.6M-0.8% | $129.6M+0.3% |
| Retained Earnings | $215.5M+1.4% | $214.2M+1.2% | $213.7M+1.4% | $213.2M+1.1% | $212.4M+1.2% | $211.7M+1.3% | $210.8M+1.1% | $210.9M+1.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
PROV Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.4M+35.7% | $1.9M-43.1% | $1.2M+276.2% | $2.5M-2.5% | $2.5M+428.0% | $3.3M+11.4% | $324K+244.7% | $2.6M-23.9% |
| Depreciation & Amortization | -$1.4M-47.6% | $1.2M+59.4% | $1.0M+11.8% | $810K-10.2% | -$950K-34.6% | $734K-6.1% | $914K+19.2% | $902K+19.2% |
| Stock-Based Compensation | N/A | N/A | N/A | $123K-28.9% | N/A | N/A | N/A | $173K+253.1% |
| Capital Expenditures | $56K-82.1% | $145K+400.0% | $187K+1000.0% | $44K-74.3% | $313K+233.0% | $29K-92.7% | $17K-96.8% | $171K-69.7% |
| Free Cash Flow | $3.3M+52.7% | $1.7M-47.0% | $1.0M+236.2% | $2.5M+2.7% | $2.2M+354.9% | $3.3M+27.2% | $307K+169.5% | $2.4M-14.7% |
| Investing Cash Flow | $1.3M-92.0% | $11.8M+118200.0% | $8.6M+1416.7% | $9.7M-5.4% | $16.8M-7.9% | -$10K-100.1% | -$653K-129.6% | $10.3M+6.3% |
| Financing Cash Flow | -$12.6M+26.3% | -$10.9M-630.2% | -$4.9M-108.8% | -$15.9M+0.7% | -$17.1M+4.1% | $2.1M+115.8% | -$2.3M+82.6% | -$16.0M+23.3% |
| Dividends Paid | $874K-5.4% | $891K-4.7% | $906K-4.2% | $921K-4.2% | $924K-4.0% | $935K-3.4% | $946K-3.1% | $961K-2.0% |
| Share Buybacks | $1.9M+64.0% | $1.5M+86.9% | $1.5M+49.1% | $1.1M-27.7% | $1.2M+81.0% | $801K+13.3% | $1.0M+35.2% | $1.5M+195.8% |
PROV Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.6%+4.0pp | 13.7%-4.6pp | 14.6%+5.5pp | 17.3%-2.7pp | 16.7%-3.0pp | 18.4%+2.5pp | 9.1%-13.1pp | 20.0%+2.1pp |
| Return on Equity | 1.7%+0.5pp | 1.1%-0.4pp | 1.1%+0.4pp | 1.3%-0.2pp | 1.3%-0.2pp | 1.4%+0.3pp | 0.7%-1.0pp | 1.5%+0.1pp |
| Return on Assets | 0.2%+0.1pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%-0.1pp | 0.1%0.0pp |
| Debt-to-Equity | 8.57-0.1x | 8.62-0.2x | 8.63-0.1x | 8.59-0.1x | 8.69-0.1x | 8.78-0.2x | 8.76-0.3x | 8.70-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 31.2%+9.0pp | 17.7%-14.9pp | 10.5%+7.3pp | 25.2%+0.1pp | 22.2%+30.8pp | 32.5%+5.0pp | 3.2%+7.8pp | 25.1%-3.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Provident Financial Hldgs PROV | FY2026 | $40.1M | $6.7M | 16.6% | $114.2M | 30/100 |
| Riverview Bancorp Inc RVSB | FY2026 | $43.1M | -$4.3M | -10.1% | $116.9M | 25/100 |
| Lake Shore Bancorp, Inc. LSBK | FY2025 | $27.8M | $7.3M | 26.1% | $141.3M | 63/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $93.9M | 42/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $125.0M | 56/100 |
| Sound Financial Bancorp, Inc. SFBC | FY2025 | $38.9M | $7.2M | 18.4% | $110.6M | 25/100 |
Where Provident Financial Hldgs Ranks
Frequently Asked Questions
What is Provident Financial Hldgs's annual revenue?
Provident Financial Hldgs (PROV) reported $40.1M in total revenue for fiscal year 2026. This represents a 2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Provident Financial Hldgs's revenue growing?
Provident Financial Hldgs (PROV) revenue grew by 2.7% year-over-year, from $39.0M to $40.1M in fiscal year 2026.
Is Provident Financial Hldgs profitable?
Yes, Provident Financial Hldgs (PROV) reported a net income of $6.7M in fiscal year 2026, with a net profit margin of 16.6%.
What is Provident Financial Hldgs's net profit margin?
Provident Financial Hldgs (PROV) had a net profit margin of 16.6% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does Provident Financial Hldgs pay dividends?
Yes, Provident Financial Hldgs (PROV) paid $0.56 per share in dividends during fiscal year 2026.
What is Provident Financial Hldgs's return on equity (ROE)?
Provident Financial Hldgs (PROV) has a return on equity of 5.3% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Provident Financial Hldgs's free cash flow?
Provident Financial Hldgs (PROV) generated $8.5M in free cash flow during fiscal year 2026. This represents a 4.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Provident Financial Hldgs's operating cash flow?
Provident Financial Hldgs (PROV) generated $9.0M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Provident Financial Hldgs's total assets?
Provident Financial Hldgs (PROV) had $1.2B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Provident Financial Hldgs's capital expenditures?
Provident Financial Hldgs (PROV) invested $432K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Provident Financial Hldgs's debt-to-equity ratio?
Provident Financial Hldgs (PROV) had a debt-to-equity ratio of 8.57 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Provident Financial Hldgs's return on assets (ROA)?
Provident Financial Hldgs (PROV) had a return on assets of 0.5% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Provident Financial Hldgs's P/E ratio?
Provident Financial Hldgs (PROV) trades at 17.2x earnings, its market capitalization divided by net income of $6.7M net income, FY2026. The market capitalization is $114.2M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Provident Financial Hldgs's price-to-sales ratio?
Provident Financial Hldgs (PROV) trades at 2.9x sales, its market capitalization divided by revenue of $40.1M revenue, FY2026. The market capitalization is $114.2M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Provident Financial Hldgs's Piotroski F-Score?
Provident Financial Hldgs (PROV) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Provident Financial Hldgs's earnings high quality?
Provident Financial Hldgs (PROV) has an earnings quality ratio of 1.35x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Provident Financial Hldgs?
Provident Financial Hldgs (PROV) scores 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.