Provident Financial Holdings Inc
PROV Nasdaq Savings Institution, Federally Chartered Financials FY2017–FY2026
Revenue
Total sales reported in the income statement.
$40.1M
2.7%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
77.3%
1.6 pts
Net income
Profit after all expenses, interest and tax.
$6.7M
6.4%
Return on equity
Net income as a share of average shareholders' equity.
5.2%
0.4 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $1.03 EPS (TTM)
What Provident Financial Holdings Inc does
No business description yet.
- Legal name
- PROVIDENT FINANCIAL HOLDINGS INC
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 2, 2026
- Accession · CIK
- 0001010470-26-000010
0001010470
Revenue and margins
Provident Financial Holdings Inc had $40.1M of revenue in fiscal 2026, up 2.7% on the year before.
FY17
Revenue $66.6M
FY18
Revenue $58.2M
FY19
Revenue $50.7M
FY20
Revenue $40.9M
FY21
Revenue $35.2M
FY22
Revenue $36.3M
FY23
Revenue $41.1M
FY24
Revenue $38.9M
FY25
Revenue $39.0M
FY26
Revenue $40.1M
Q1 '24
Revenue $9.9M
Q2 '24
Revenue $9.6M
Q3 '24
Revenue $9.4M
Q4 '24
Revenue $9.9M
Q1 '25
Revenue $9.5M
Q2 '25
Revenue $9.6M
Q3 '25
Revenue $10.1M
Q4 '25
Revenue $9.8M
Q1 '26
Revenue $9.7M
Q2 '26
Revenue $9.8M
Q3 '26
Revenue $9.9M
Q4 '26
Revenue $10.6M
FY17
Net interest share 53.7%
Efficiency ratio 88.3%
FY18
Net interest share 62.4%
Efficiency ratio 91.4%
FY19
Net interest share 75.3%
Efficiency ratio 89.3%
FY20
Net interest share 89.0%
Efficiency ratio 70.6%
FY21
Net interest share 87.0%
Efficiency ratio 73.1%
FY22
Net interest share 87.0%
Efficiency ratio 71.4%
FY23
Net interest share 90.1%
Efficiency ratio 68.9%
FY24
Net interest share 89.9%
Efficiency ratio 73.4%
FY25
Net interest share 90.9%
Efficiency ratio 79.0%
FY26
Net interest share 90.7%
Efficiency ratio 77.3%
Net interest share
Efficiency ratio
Q1 '24
Net interest share 92.4%
Efficiency ratio 69.3%
Q2 '24
Net interest share 90.9%
Efficiency ratio 76.1%
Q3 '24
Net interest share 91.0%
Efficiency ratio 76.2%
Q4 '24
Net interest share 85.2%
Efficiency ratio 72.3%
Q1 '25
Net interest share 90.6%
Efficiency ratio 79.1%
Q2 '25
Net interest share 91.2%
Efficiency ratio 81.2%
Q3 '25
Net interest share 91.0%
Efficiency ratio 77.6%
Q4 '25
Net interest share 91.0%
Efficiency ratio 78.1%
Q1 '26
Net interest share 91.7%
Efficiency ratio 78.4%
Q2 '26
Net interest share 90.7%
Efficiency ratio 80.8%
Q3 '26
Net interest share 92.8%
Efficiency ratio 77.3%
Q4 '26
Net interest share 87.9%
Efficiency ratio 73.1%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2017 to 2026, diluted EPS grew 5.4% a year. Loss periods are shown in red.
FY17
Net income $5.2M
FY18
Net income $2.1M
FY19
Net income $4.4M
FY20
Net income $7.7M
FY21
Net income $7.6M
FY22
Net income $9.1M
FY23
Net income $8.6M
FY24
Net income $7.4M
FY25
Net income $6.3M
FY26
Net income $6.7M
Q1 '24
Net income $1.8M
Q2 '24
Net income $2.1M
Q3 '24
Net income $1.5M
Q4 '24
Net income $2.0M
Q1 '25
Net income $1.9M
Q2 '25
Net income $0.9M
Q3 '25
Net income $1.9M
Q4 '25
Net income $1.6M
Q1 '26
Net income $1.7M
Q2 '26
Net income $1.4M
Q3 '26
Net income $1.4M
Q4 '26
Net income $2.2M
FY17
Diluted EPS $0.64
FY18
Diluted EPS $0.28
FY19
Diluted EPS $0.58
FY20
Diluted EPS $1.01
FY21
Diluted EPS $1.00
FY22
Diluted EPS $1.22
FY23
Diluted EPS $1.19
FY24
Diluted EPS $1.06
FY25
Diluted EPS $0.93
FY26
Diluted EPS $1.03
Q1 '24
Diluted EPS $0.25
Q2 '24
Diluted EPS $0.31
Q3 '24
Diluted EPS $0.22
Q4 '24
Diluted EPS $0.28
Q1 '25
Diluted EPS $0.28
Q2 '25
Diluted EPS $0.13
Q3 '25
Diluted EPS $0.28
Q4 '25
Diluted EPS $0.24
Q1 '26
Diluted EPS $0.25
Q2 '26
Diluted EPS $0.22
Q3 '26
Diluted EPS $0.21
Q4 '26
Diluted EPS $0.35
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY17
ROE 4.1%
ROTE 4.1%
Efficiency ratio 88.3%
FY18
ROE 1.7%
ROTE 1.8%
Efficiency ratio 91.4%
FY19
ROE 3.7%
ROTE 3.7%
Efficiency ratio 89.3%
FY20
ROE 6.3%
ROTE 6.2%
Efficiency ratio 70.6%
FY21
ROE 6.0%
ROTE 5.9%
Efficiency ratio 73.1%
FY22
ROE 7.1%
ROTE 7.1%
Efficiency ratio 71.4%
FY23
ROE 6.7%
ROTE 6.6%
Efficiency ratio 68.9%
FY24
ROE 5.7%
ROTE 5.7%
Efficiency ratio 73.4%
FY25
ROE 4.8%
ROTE 4.9%
Efficiency ratio 79.0%
FY26
ROE 5.2%
ROTE 5.3%
Efficiency ratio 77.3%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Provident Financial Holdings Inc returned $9.6M to shareholders in fiscal 2026, 112% of free cash flow. The diluted share count fell 4.1%.
FY17
Dividends $4.1M
Buybacks $8.7M
FY18
Dividends $4.2M
Buybacks $7.3M
FY19
Dividends $4.2M
Buybacks $1.4M
FY20
Dividends $4.2M
Buybacks $1.3M
FY21
Dividends $4.2M
Buybacks $2.3M
FY22
Dividends $4.1M
Buybacks $4.3M
FY23
Dividends $4.0M
Buybacks $4.6M
FY24
Dividends $3.9M
Buybacks $2.6M
FY25
Dividends $3.8M
Buybacks $4.4M
FY26
Dividends $3.6M
Buybacks $6.0M
Dividends
Buybacks
Q1 '24
Dividends $1.0M
Buybacks $0.5M
Q2 '24
Dividends $1.0M
Buybacks $0.8M
Q3 '24
Dividends $1.0M
Buybacks $0.7M
Q4 '24
Dividends $1.0M
Buybacks $0.6M
Q1 '25
Dividends $1.0M
Buybacks $1.5M
Q2 '25
Dividends $0.9M
Buybacks $1.0M
Q3 '25
Dividends $0.9M
Buybacks $0.8M
Q4 '25
Dividends $0.9M
Buybacks $1.2M
Q1 '26
Dividends $0.9M
Buybacks $1.1M
Q2 '26
Dividends $0.9M
Buybacks $1.5M
Q3 '26
Dividends $0.9M
Buybacks $1.5M
Q4 '26
Dividends $0.9M
Buybacks $1.9M
Dividends
Buybacks
FY17
Diluted shares 8.10B
FY18
Diluted shares 0.01B
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.01B
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
FY26
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY17
Loans $905M
Deposits $927M
FY18
Loans $903M
Deposits $908M
FY19
Loans $880M
Deposits $841M
FY20
Loans $903M
Deposits $893M
FY21
Loans $851M
Deposits $938M
FY22
Loans $940M
Deposits $956M
FY23
Loans $1.1B
Deposits $951M
FY24
Loans $1.1B
Deposits $888M
FY25
Loans $1.0B
Deposits $889M
FY26
Loans $1.0B
Deposits $910M
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Loans, net | $940M | $1.1B | $1.1B | $1.0B | $1.0B |
| Deposits | $956M | $951M | $888M | $889M | $910M |
| Loans / deposits | 98.4% | 113.4% | 118.5% | 117.7% | 113.4% |
| Total assets | $1.2B | $1.3B | $1.3B | $1.2B | $1.2B |
| Shareholders' equity | $129M | $130M | $130M | $129M | $126M |
| Provision / loans | 0.3% | 0.0% | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $66.6M | $58.2M | $50.7M | $40.9M | $35.2M | $36.3M | $41.1M | $38.9M | $39.0M | $40.1M |
| Net interest income | $35.7M | $36.3M | $38.2M | $36.4M | $30.6M | $31.6M | $37.0M | $34.9M | $35.5M | $36.3M |
| Noninterest income | $30.8M | $21.9M | $12.5M | $4.5M | $4.6M | $4.7M | $4.1M | $3.9M | $3.5M | $3.7M |
| Noninterest expense | $58.8M | $53.2M | $45.2M | $28.9M | $25.7M | $25.9M | $28.3M | $28.5M | $30.8M | $31.0M |
| Provision for credit losses | $1.0M | −$0.5M | $0.5M | −$1.1M | $0.7M | $2.5M | $0.4M | — | — | — |
| Interest expense | $6.7M | $6.4M | $6.2M | $6.1M | $4.6M | $3.1M | $9.0M | — | — | — |
| Pretax income | $8.8M | $5.5M | $5.9M | $10.9M | $10.2M | $12.9M | $12.4M | $10.4M | $8.9M | $9.6M |
| Income tax | $3.6M | $3.4M | $1.5M | $3.2M | $2.6M | $3.8M | $3.8M | $3.0M | $2.6M | $3.0M |
| Net income | $5.2M | $2.1M | $4.4M | $7.7M | $7.6M | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| Diluted EPS | $0.64 | $0.28 | $0.58 | $1.01 | $1.00 | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
| Diluted shares | 8.10B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | ||||||||||
| Cash from operations | $83.4M | $28.0M | $107M | $8.0M | $11.6M | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| Capital expenditure | $1.5M | $2.9M | $0.4M | $0.2M | $0.2M | $0.2M | $0.7M | $1.6M | $0.5M | $0.4M |
| Free cash flow | $82.0M | $25.1M | $107M | $7.7M | $11.3M | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
| Depreciation and amortization | $0.9M | $0.8M | $0.9M | $1.5M | $1.6M | $1.5M | $1.4M | $1.6M | $1.6M | $1.6M |
| Stock-based compensation | $1.5M | $1.1M | $0.9M | $1.0M | $1.3M | $0.8M | $1.2M | $0.2M | $0.5M | $0.6M |
| Share buybacks | $8.7M | $7.3M | $1.4M | $1.3M | $2.3M | $4.3M | $4.6M | $2.6M | $4.4M | $6.0M |
| Dividends paid | $4.1M | $4.2M | $4.2M | $4.2M | $4.2M | $4.1M | $4.0M | $3.9M | $3.8M | $3.6M |
| Dividends and buybacks | $12.8M | $11.6M | $5.6M | $5.5M | $6.5M | $8.5M | $8.6M | $6.5M | $8.2M | $9.6M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $72.8M | $43.3M | $70.6M | $116M | $70.3M | $23.4M | $65.8M | $51.4M | $53.1M | $49.2M |
| Finance lease liabilities | — | — | — | — | — | — | — | — | $0.1M | $0.0M |
| Loans, net | $905M | $903M | $880M | $903M | $851M | $940M | $1.1B | $1.1B | $1.0B | $1.0B |
| Deposits | $927M | $908M | $841M | $893M | $938M | $956M | $951M | $888M | $889M | $910M |
| Property and equipment, net | $6.6M | $8.7M | $8.2M | $10.3M | $9.4M | $8.8M | $9.2M | $9.3M | $9.3M | $9.2M |
| Total assets | $1.2B | $1.2B | $1.1B | $1.2B | $1.2B | $1.2B | $1.3B | $1.3B | $1.2B | $1.2B |
| Total liabilities | $1.1B | $1.1B | $964M | $1.1B | $1.1B | $1.1B | $1.2B | $1.1B | $1.1B | $1.1B |
| Preferred stock | — | — | $0.0M | $0.0M | $0.0M | — | — | — | — | — |
| Shareholders' equity | $128M | $120M | $121M | $124M | $127M | $129M | $130M | $130M | $129M | $126M |
| Margins | ||||||||||
| Net margin | 7.8% | 3.7% | 8.7% | 18.8% | 21.5% | 25.0% | 20.9% | 18.9% | 16.0% | 16.6% |
| FCF margin | 123.1% | 43.1% | 210.4% | 18.9% | 32.2% | 32.0% | 38.0% | 10.5% | 20.9% | 21.3% |
| Net interest share of revenue | 53.7% | 62.4% | 75.3% | 89.0% | 87.0% | 87.0% | 90.1% | 89.9% | 90.9% | 90.7% |
| Efficiency ratio | 88.3% | 91.4% | 89.3% | 70.6% | 73.1% | 71.4% | 68.9% | 73.4% | 79.0% | 77.3% |
| Returns | ||||||||||
| Return on equity | 4.1% | 1.7% | 3.7% | 6.3% | 6.0% | 7.1% | 6.7% | 5.7% | 4.8% | 5.2% |
| Return on assets | 0.4% | 0.2% | 0.4% | 0.7% | 0.6% | 0.8% | 0.7% | 0.6% | 0.5% | 0.5% |
| Return on tangible equity | 4.1% | 1.8% | 3.7% | 6.2% | 5.9% | 7.1% | 6.6% | 5.7% | 4.9% | 5.3% |
| Growth | ||||||||||
| Revenue growth | — | −12.6% | −12.9% | −19.3% | −14.0% | 3.1% | 13.1% | −5.3% | 0.3% | 2.7% |
| Net income growth | — | −59.1% | 107.3% | 74.1% | −1.7% | 20.3% | −5.5% | −14.4% | −14.9% | 6.4% |
| EPS growth | — | −56.3% | 107.1% | 74.1% | −1.0% | 22.0% | −2.5% | −10.9% | −12.3% | 10.8% |
| FCF growth | — | −69.4% | 325.3% | −92.8% | 46.9% | 2.5% | 34.0% | −73.7% | 99.1% | 4.7% |
| Share count change | — | −99.9% | −1.4% | −0.3% | −0.5% | −1.2% | −3.5% | −3.2% | −2.8% | −4.1% |
| Financial health | ||||||||||
| Loans / deposits | 97.7% | 99.5% | 104.6% | 101.1% | 90.7% | 98.4% | 113.4% | 118.5% | 117.7% | 113.4% |
| Provision / loans | 0.1% | −0.1% | 0.1% | −0.1% | 0.1% | 0.3% | 0.0% | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 2.2% | 5.0% | 0.9% | 0.6% | 0.6% | 0.5% | 1.8% | 4.1% | 1.4% | 1.1% |
| Stock comp / revenue | 2.2% | 1.8% | 1.7% | 2.3% | 3.7% | 2.2% | 2.9% | 0.6% | 1.4% | 1.5% |
| Payouts / FCF | 15.7% | 46.2% | 5.3% | 70.8% | 57.4% | 72.7% | 55.5% | 158.4% | 100.7% | 112.1% |
| Quality scores | ||||||||||
| Accruals ratio | −6.5% | −2.2% | −9.1% | −0.0% | −0.3% | −0.2% | −0.6% | 0.1% | −0.2% | −0.2% |
Source: SEC EDGAR XBRL filings (CIK 0001010470). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.