PROVIDENT FINANCIAL HOLDINGS INC PROV

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Provident Financial Holdings, Inc. (the "Corporation"), a Delaware corporation, was organized in January 1996 for the purpose of becoming the holding company of Provident Savings Bank, F.S.B. (the "Bank") upon the Bank's conversion from a federal mutual to a federal stock savings bank ("Conversion"). The Conversion was completed in June 1996. The Corporation is regulated by the Board of Governors of the Federal Reserve System ("Federal Reserve"). At June 30, 2026, the Corporation had consolidated total assets of $1.21 billion, total deposits of $910.4 million and stockholders' equity of $126.2 million. The Corporation has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Annual Report on Form 10-K ("Form 10-K"), including the audited consolidated financial statements and related data, relates primarily to the Bank. As used in this report, the terms "we," "our," "us," and the "Corporation" refer to Provident Financial Holdings, Inc. and its consolidated subsidiaries, unless the context indicates otherwise. When we refer to "Provident" in this report, we are referring to Provident Financial Holdings, Inc. When we refer to the "Bank" or "Provident Savings Bank" in this report, we are referring to Provident Savings Bank, F.S.B., a wholly owned subsidiary of Provident.

Last close 18.20 2026-10-23
Market cap $113.5M 2026-06-30 share count
52-week range 14.95 - 18.99

Valuation FY2026 figures against the last close

P/S2.0x
P/E17.7x
P/FCF13.3x
EV/EBITDA—
Dividend yield3.2%
Diluted EPS1.03

Annual financial statements

Income statement

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Revenue $55.9M$56.6M$54.7M$46.0M$34.7M$35.2M$42.5M$44.4M$42.7M$42.4M
Total operating expenses ———————$10.0M$13.2M$12.0M
Interest expense $36.3M$35.5M$34.9M$37.0M$3.1M$4.6M$6.1M$6.2M$6.4M$6.7M
Pre-tax income $9.6M$8.9M$10.4M$12.4M$12.9M$10.2M$10.9M$5.9M$5.5M$8.8M
Income tax $3.0M$2.6M$3.0M$3.8M$3.8M$2.6M$3.2M$1.5M$3.4M$3.6M
Net income $6.7M$6.3M$7.4M$8.6M$9.1M$7.6M$7.7M$4.4M$2.1M$5.2M
EPS, basic 1.040.931.061.201.231.011.030.590.280.66
EPS, diluted 1.030.931.061.191.221.001.010.580.280.64
Shares, diluted (wtd. avg.) 6.5M6.8M7.0M7.2M7.4M7.5M7.6M7.6M7.7M8.10B

Balance sheet

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Cash and equivalents $49.2M$53.1M$51.4M$65.8M$23.4M$70.3M$116.0M$70.6M$43.3M$72.8M
Property, plant and equipment $9.2M$9.3M$9.3M$9.2M$8.8M$9.4M$10.3M$8.2M$8.7M$6.6M
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$964.2M$1.06B$1.07B
Retained earnings $215.5M$212.4M$209.9M$207.3M$202.7M$197.7M$194.3M$190.8M$190.6M$192.8M
Total equity $126.2M$128.5M$129.9M$129.7M$128.7M$127.3M$124.0M$120.6M$120.5M$128.2M

Cash flow

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating cash flow $9.0M$8.7M$5.7M$16.3M$11.8M$11.6M$8.0M$107.1M$28.0M$83.4M
Depreciation and amortisation $1.6M$1.6M$1.6M$1.4M$1.5M$1.6M$1.5M$881.0K$845.0K$891.0K
Stock-based compensation $599.0K$543.0K$240.0K$1.2M$798.0K$1.3M$954.0K$869.0K$1.1M$1.5M
Capital expenditure $432.0K$530.0K$1.6M$741.0K$165.0K$225.0K$229.0K$449.0K$2.9M$1.5M
Investing cash flow $31.5M$26.5M$45.1M-$109.9M-$51.7M-$55.9M-$48.9M$17.3M-$27.3M-$84.5M
Financing cash flow -$44.3M-$33.4M-$65.2M$136.0M-$6.9M-$1.5M$86.4M-$97.1M-$30.2M$22.7M
Dividends paid $3.6M$3.8M$3.9M$4.0M$4.1M$4.2M$4.2M$4.2M$4.2M$4.1M
Buybacks $6.0M$4.4M$2.6M$4.6M$4.3M$2.3M$1.3M$1.4M$7.3M$8.7M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001010470-26-000010.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2017: 42.4M Net income, FY2017: 5.2M Revenue, FY2018: 42.7M Net income, FY2018: 2.1M Revenue, FY2019: 44.4M Net income, FY2019: 4.4M Revenue, FY2020: 42.5M Net income, FY2020: 7.7M Revenue, FY2021: 35.2M Net income, FY2021: 7.6M Revenue, FY2022: 34.7M Net income, FY2022: 9.1M Revenue, FY2023: 46M Net income, FY2023: 8.6M Revenue, FY2024: 54.7M Net income, FY2024: 7.4M Revenue, FY2025: 56.6M Net income, FY2025: 6.3M Revenue, FY2026: 55.9M Net income, FY2026: 6.7M FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026
Fiscal year FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue $42.4M $42.7M $44.4M $42.5M $35.2M $34.7M $46.0M $54.7M $56.6M $55.9M
Gross profit — — — — — — — — — —
Net income $5.2M $2.1M $4.4M $7.7M $7.6M $9.1M $8.6M $7.4M $6.3M $6.7M

Recent filings and events

  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Item 5.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Other event Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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