Provident Finl Hldgs Inc Financials
Provident Finl Hldgs Inc (PROV) reported $56.6M in revenue for fiscal year 2025, up 3.5% 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’s earnings engine is a highly leveraged balance sheet, where a 0.5% ROA still becomes nearly 4.9% ROE.
Even with higher revenue by FY2025 than FY2023, net income moved the other way because interest expense climbed from$9.0M to$21.2M . That matters in a thin-ROA model, where ROA slipping from0.6% to0.5% meaningfully trims returns on equity.
In FY2025, cash conversion was better than accounting profit: operating cash flow was
Book equity stayed close to
Financial Health Signals
Scored against banks for FY2025. 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 Finl Hldgs Inc'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.
Not available for Provident Finl Hldgs Inc, and counted as zero in the overall score.
Provident Finl Hldgs Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Provident Finl Hldgs Inc generates $1.39 in operating cash flow ($8.7M OCF vs $6.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Provident Finl Hldgs Inc generated $56.6M in revenue in fiscal year 2025. This represents an increase of 3.5% from the prior year.
Provident Finl Hldgs Inc reported $6.3M in net income in fiscal year 2025. This represents a decrease of 14.9% from the prior year.
Provident Finl Hldgs Inc earned $0.93 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 12.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Provident Finl Hldgs Inc generated $8.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 99.1% from the prior year.
Provident Finl Hldgs Inc held $53.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Provident Finl Hldgs Inc's net profit margin was 11.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.4 percentage points from the prior year.
Provident Finl Hldgs Inc's ROE was 4.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Provident Finl Hldgs Inc spent $4.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 71.0% from the prior year.
Provident Finl Hldgs Inc invested $530K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.6% from the prior year.
Not reported for fiscal year 2025.
PROV Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $56.1M | $56.6M+3.5% | $54.7M+19.0% | $46.0M+32.4% | $34.7M-1.3% | $35.2M-17.1% | $42.5M-4.3% | $44.4M+3.9% | $42.7M+0.7% | $42.4M+7.9% | $39.3M-1.0% | $39.7M+4.3% | $38.1M-13.8% | $44.2M-14.1% | $51.4M-12.4% | $58.7M |
| SG&A Expenses | $19.1M | $19.0M+7.7% | $17.6M-0.5% | $17.7M+12.0% | $15.8M+4.5% | $15.2M-19.9% | $18.9M-37.3% | $30.1M-13.4% | $34.8M-16.6% | $41.7M-2.0% | $42.6M+2.4% | $41.6M+9.4% | $38.0M-24.6% | $50.5M+28.4% | $39.3M+31.1% | $30.0M |
| Interest Expense | $20.2M | $21.2M+6.8% | $19.8M+119.9% | $9.0M+187.3% | $3.1M-31.3% | $4.6M-24.7% | $6.1M-2.5% | $6.2M-3.2% | $6.4M-4.0% | $6.7M-4.2% | $7.0M+8.6% | $6.4M-12.5% | $7.3M-32.1% | $10.8M-26.5% | $14.7M-29.8% | $20.9M |
| Income Tax | $2.9M | $2.6M-13.8% | $3.0M-20.6% | $3.8M+1.6% | $3.8M+43.4% | $2.6M-18.3% | $3.2M+113.8% | $1.5M-55.7% | $3.4M-5.9% | $3.6M-32.8% | $5.4M-26.2% | $7.3M+45.4% | $5.0M-70.4% | $16.9M+113.4% | $7.9M-21.1% | $10.0M |
| Net Income | $6.1M | $6.3M-14.9% | $7.4M-14.4% | $8.6M-5.5% | $9.1M+20.3% | $7.6M-1.7% | $7.7M+74.1% | $4.4M+107.3% | $2.1M-59.1% | $5.2M-30.3% | $7.5M-23.8% | $9.8M+48.4% | $6.6M-74.4% | $25.8M+138.6% | $10.8M-18.2% | $13.2M |
| EPS (Diluted) | — | $0.93-12.3% | $1.06-10.9% | $1.19-2.5% | $1.22+22.0% | $1.00-1.0% | $1.01+74.1% | $0.58+107.1% | $0.28-56.3% | $0.64-27.3% | $0.88-17.8% | $1.07+64.6% | $0.65-72.7% | $2.38+147.9% | $0.96-17.2% | $1.16 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PROV Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-2.1% | $1.3B-4.6% | $1.3B+12.3% | $1.2B+0.3% | $1.2B+0.6% | $1.2B+8.5% | $1.1B-7.7% | $1.2B-2.1% | $1.2B+2.5% | $1.2B-0.3% | $1.2B+6.2% | $1.1B-8.7% | $1.2B-4.0% | $1.3B-4.0% | $1.3B |
| Cash & Equivalents | $53.1M+3.3% | $51.4M-22.0% | $65.8M+181.2% | $23.4M-66.7% | $70.3M-39.4% | $116.0M+64.3% | $70.6M+63.1% | $43.3M-40.5% | $72.8M+42.2% | $51.2M-37.1% | $81.4M-31.6% | $118.9M-38.6% | $193.8M+33.6% | $145.1M+1.8% | $142.6M |
| Total Liabilities | $1.1B-2.2% | $1.1B-5.1% | $1.2B+13.7% | $1.1B+0.2% | $1.1B+0.3% | $1.1B+9.2% | $964.2M-8.6% | $1.1B-1.6% | $1.1B+3.3% | $1.0B+0.4% | $1.0B+7.7% | $959.8M-8.7% | $1.1B-5.8% | $1.1B-4.8% | $1.2B |
| Total Equity | $128.5M-1.1% | $129.9M+0.2% | $129.7M+0.8% | $128.7M+1.1% | $127.3M+2.7% | $124.0M+2.8% | $120.6M+0.2% | $120.5M-6.1% | $128.2M-3.9% | $133.5M-5.4% | $141.1M-3.2% | $145.9M-8.8% | $160.0M+10.5% | $144.8M+2.7% | $140.9M |
| Retained Earnings | $212.4M+1.2% | $209.9M+1.3% | $207.3M+2.3% | $202.7M+2.5% | $197.7M+1.7% | $194.3M+1.8% | $190.8M+0.1% | $190.6M-1.1% | $192.8M+0.6% | $191.7M+1.8% | $188.2M+3.2% | $182.5M+1.5% | $179.8M+14.9% | $156.6M+6.3% | $147.3M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.1M | $8.7M+52.8% | $5.7M-65.2% | $16.3M+38.4% | $11.8M+1.9% | $11.6M+45.5% | $8.0M-92.6% | $107.1M+282.7% | $28.0M-66.5% | $83.4M+74.6% | $47.8M+182.7% | -$57.8M-219.1% | $48.5M-11.9% | $55.1M+546.8% | -$12.3M-410.5% | -$2.4M |
| Capital Expenditures | $689K | $530K-66.6% | $1.6M+114.4% | $741K+349.1% | $165K-26.7% | $225K-1.7% | $229K-49.0% | $449K-84.6% | $2.9M+95.1% | $1.5M-1.7% | $1.5M+303.5% | $376K-47.4% | $715K-35.6% | $1.1M-57.2% | $2.6M+195.2% | $879K |
| Free Cash Flow | $7.4M | $8.2M+99.1% | $4.1M-73.7% | $15.6M+34.0% | $11.6M+2.5% | $11.3M+46.9% | $7.7M-92.8% | $106.6M+325.3% | $25.1M-69.4% | $82.0M+77.1% | $46.3M+179.6% | -$58.2M-221.6% | $47.8M-11.4% | $54.0M+461.6% | -$14.9M-353.1% | -$3.3M |
| Investing Cash Flow | $47.0M | $26.5M-41.3% | $45.1M+141.0% | -$109.9M-112.4% | -$51.7M+7.4% | -$55.9M-14.2% | -$48.9M-382.8% | $17.3M+163.3% | -$27.3M+67.7% | -$84.5M-32.2% | -$63.9M-60.0% | -$40.0M-229.0% | -$12.1M-119.2% | $63.4M-27.6% | $87.5M-37.2% | $139.4M |
| Financing Cash Flow | -$48.9M | -$33.4M+48.7% | -$65.2M-148.0% | $136.0M+2070.2% | -$6.9M-371.2% | -$1.5M-101.7% | $86.4M+189.0% | -$97.1M-221.3% | -$30.2M-233.1% | $22.7M+261.4% | -$14.1M-123.4% | $60.2M+154.1% | -$111.3M-59.5% | -$69.8M+3.9% | -$72.6M+19.9% | -$90.7M |
| Dividends Paid | $3.6M | $3.8M-3.1% | $3.9M-2.8% | $4.0M-3.6% | $4.1M-0.6% | $4.2M-0.2% | $4.2M-0.3% | $4.2M-0.8% | $4.2M+2.6% | $4.1M+2.6% | $4.0M-1.0% | $4.1M+2.3% | $4.0M+56.0% | $2.5M+61.6% | $1.6M+244.7% | $456K |
| Share Buybacks | $5.2M | $4.4M+71.0% | $2.6M-44.0% | $4.6M+8.0% | $4.3M+84.3% | $2.3M+82.1% | $1.3M-9.1% | $1.4M-80.8% | $7.3M-15.7% | $8.7M-33.2% | $13.0M+2.8% | $12.7M-26.2% | $17.2M+91.8% | $9.0M+33.9% | $6.7M | $0 |
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PROV Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 11.1%-2.4pp | 13.4%-5.2pp | 18.7%-7.5pp | 26.2%+4.7pp | 21.5%+3.4pp | 18.1%+8.2pp | 10.0%+5.0pp | 5.0%-7.3pp | 12.3%-6.7pp | 19.0%-5.7pp | 24.7%+7.3pp | 17.4%-41.1pp | 58.4%+37.4pp | 21.0%-1.5pp | 22.5% |
| Return on Equity | 4.9%-0.8pp | 5.7%-1.0pp | 6.6%-0.4pp | 7.1%+1.1pp | 5.9%-0.3pp | 6.2%+2.5pp | 3.7%+1.9pp | 1.8%-2.3pp | 4.1%-1.5pp | 5.6%-1.4pp | 7.0%+2.4pp | 4.5%-11.6pp | 16.1%+8.7pp | 7.5%-1.9pp | 9.4% |
| Return on Assets | 0.5%-0.1pp | 0.6%-0.1pp | 0.6%-0.1pp | 0.8%+0.1pp | 0.6%0.0pp | 0.7%+0.2pp | 0.4%+0.2pp | 0.2%-0.3pp | 0.4%-0.2pp | 0.6%-0.2pp | 0.8%+0.2pp | 0.6%-1.5pp | 2.1%+1.3pp | 0.9%-0.1pp | 1.0% |
| Debt-to-Equity | 8.69-0.1x | 8.79-0.5x | 9.28+1.1x | 8.23-0.1x | 8.30-0.2x | 8.49+0.5x | 7.99-0.8x | 8.76+0.4x | 8.36+0.6x | 7.78+0.5x | 7.32+0.7x | 6.580.0x | 6.57-1.1x | 7.71-0.6x | 8.32 |
| FCF Margin | 14.4%+6.9pp | 7.5%-26.4pp | 33.9%+0.4pp | 33.5%+1.2pp | 32.2%+14.0pp | 18.2% | 240.3% | 58.7% | 193.2% | 117.7% | -146.5% | 125.6% | 122.2% | -29.0%-23.4pp | -5.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Provident Finl Hldgs Inc Ranks
Frequently Asked Questions
What is Provident Finl Hldgs Inc's annual revenue?
Provident Finl Hldgs Inc (PROV) reported $56.6M in total revenue for fiscal year 2025. This represents a 3.5% 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 Finl Hldgs Inc's revenue growing?
Provident Finl Hldgs Inc (PROV) revenue grew by 3.5% year-over-year, from $54.7M to $56.6M in fiscal year 2025.
Is Provident Finl Hldgs Inc profitable?
Yes, Provident Finl Hldgs Inc (PROV) reported a net income of $6.3M in fiscal year 2025, with a net profit margin of 11.1%.
What is Provident Finl Hldgs Inc's net profit margin?
Provident Finl Hldgs Inc (PROV) had a net profit margin of 11.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Provident Finl Hldgs Inc's return on equity (ROE)?
Provident Finl Hldgs Inc (PROV) has a return on equity of 4.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Provident Finl Hldgs Inc's free cash flow?
Provident Finl Hldgs Inc (PROV) generated $8.2M in free cash flow during fiscal year 2025. This represents a 99.1% 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 Finl Hldgs Inc's operating cash flow?
Provident Finl Hldgs Inc (PROV) generated $8.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Provident Finl Hldgs Inc's total assets?
Provident Finl Hldgs Inc (PROV) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Provident Finl Hldgs Inc's capital expenditures?
Provident Finl Hldgs Inc (PROV) invested $530K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Provident Finl Hldgs Inc's debt-to-equity ratio?
Provident Finl Hldgs Inc (PROV) had a debt-to-equity ratio of 8.69 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Provident Finl Hldgs Inc's return on assets (ROA)?
Provident Finl Hldgs Inc (PROV) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Provident Finl Hldgs Inc's Piotroski F-Score?
Provident Finl Hldgs Inc (PROV) has a Piotroski F-Score of 5 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 Finl Hldgs Inc's earnings high quality?
Provident Finl Hldgs Inc (PROV) has an earnings quality ratio of 1.39x, 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 Finl Hldgs Inc?
Provident Finl Hldgs Inc (PROV) scores 27 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.