Provident Financial Holdings Inc
PROV Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$18.20
KIRA · Stoqly’s AI analyst, in plain words
- Provident Financial Holdings Inc had $40.1M of revenue in fiscal 2026, up 2.7% on the year before. Over five years, revenue changed +2.6% a year on average.
- Provident Financial Holdings Inc made $6.7M of net profit in fiscal 2026. From fiscal 2017 to 2026, diluted EPS grew 5.4% a year.
- Provident Financial Holdings Inc returned $9.6M to shareholders in fiscal 2026, 112% of free cash flow. The diluted share count fell 4.1%.
- It earned 5.2% on shareholders’ money. Running costs took 77.3% of revenue (the efficiency ratio; lower is better).
Market cap
$118M
P/E
17.7x
Revenue
$40.1M
Net income
$6.7M
Return on equity
5.2%
Efficiency ratio
77.3%
Provident Financial Holdings Inc in 30 seconds · fiscal 2026
Are sales growing?
+2.7%
Only a little. Sales grew 2.7% last year.
Does it make a profit?
16.6%
Yes. It keeps 16.6% of every sale as profit.
How lean are its costs?
77.3%
Costly. Running costs take 77.3% of revenue.
How much does it earn on its capital?
5.2%
Low. It earns 5.2% a year on shareholders’ money.
How is the share priced?
17.7x
One share costs 17.7 times its yearly profit per share.
What Provident Financial Holdings Inc does
No business description yet.
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 2, 2026
- Legal name
- PROVIDENT FINANCIAL HOLDINGS INC
- CIK
- 0001010470
Provident Financial Holdings Inc · PROV
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $36.3M | $41.1M | $38.9M | $39.0M | $40.1M |
| Revenue growth | 3.1% | 13.1% | −5.3% | 0.3% | 2.7% |
| Net interest income | $31.6M | $37.0M | $34.9M | $35.5M | $36.3M |
| Net income | $9.1M | $8.6M | $7.4M | $6.3M | $6.7M |
| Net margin | 25.0% | 20.9% | 18.9% | 16.0% | 16.6% |
| Diluted EPS | $1.22 | $1.19 | $1.06 | $0.93 | $1.03 |
| Cash | |||||
| Cash from operations | $11.8M | $16.3M | $5.7M | $8.7M | $9.0M |
| Capital expenditure | $0.2M | $0.7M | $1.6M | $0.5M | $0.4M |
| Free cash flow | $11.6M | $15.6M | $4.1M | $8.2M | $8.5M |
| FCF margin | 32.0% | 38.0% | 10.5% | 20.9% | 21.3% |
| Dividends paid | $4.1M | $4.0M | $3.9M | $3.8M | $3.6M |
| Share buybacks | $4.3M | $4.6M | $2.6M | $4.4M | $6.0M |
| Share count change | −1.2% | −3.5% | −3.2% | −2.8% | −4.1% |
| Debt and strength | |||||
| Cash and short-term investments | $23.4M | $65.8M | $51.4M | $53.1M | $49.2M |
| Loans, net | $940M | $1.1B | $1.1B | $1.0B | $1.0B |
| Deposits | $956M | $951M | $888M | $889M | $910M |
| Shareholders' equity | $129M | $130M | $130M | $129M | $126M |
| Returns and quality | |||||
| Return on equity | 7.1% | 6.7% | 5.7% | 4.8% | 5.2% |
| Return on tangible equity | 7.1% | 6.6% | 5.7% | 4.9% | 5.3% |
| Efficiency ratio | 71.4% | 68.9% | 73.4% | 79.0% | 77.3% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.2M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Provident Financial Holdings Inc · PROV
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $18.20 a share, the company is worth $118M: 17.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001010470). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.