Provident Financial Holdings, Inc.

Provident Financial Holdings, Inc.

PROV
Provident Financial Holdings, Inc.US flagNASDAQ
17.19
USD
+0.08
- -
107.50MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.24
6.29
8.19
8.31
8.41
7.72
6.77
5.48
4.72
4.9
5.75
5.6
- -
6.03
Basic EPS, GAAP
2.43
0.67
1.09
0.9
0.66
0.28
0.59
1.03
1.01
1.23
1.2
1.06
- -
0.94
Free Cash Flow per Basic Share
5.09
4.82
-6.46
5.54
10.35
3.32
14.24
1.03
1.52
1.57
2.18
0.59
- -
1.14
Dividend per Share
0.24
0.4
0.45
0.48
0.52
0.56
0.56
0.56
0.56
0.56
0.56
0.56
- -
0.56
Book Value per Share
16.98
18.4
20.94
22.98
24.37
25.3
25.52
26.06
26.51
27.4
29.04
30.26
- -
32.98
Tangible Book Value per Share
15.09
14.69
15.69
15.99
16.19
15.97
16.11
16.61
17.05
17.38
18.16
18.72
- -
19.47
Basic Weighted Avg Shares
11
10
9
8
8
8
7
7
7
7
7
7
- -
6
Sales/Revenue/Turnover
109
62
74
69
67
58
51
41
35
36
41
39
39
39
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
3
3
3
3
6
5
3
3
3
4
Net Income, GAAP
26
7
10
7
5
2
4
8
8
9
9
7
6
6
Effective Tax Rate (%)
39.6
43.1
42.61
41.82
40.94
61.44
25.39
29.47
25.78
29.28
30.8
29.23
29.51
32.27
Profit Margin (%)
23.76
10.59
13.31
10.77
7.82
3.66
8.72
18.79
21.47
25.04
20.93
18.91
16.04
15.54
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
106
41
91
91
126
126
101
141
101
85
235
238
213
184
Total Equity
160
146
141
133
128
120
121
124
127
129
130
130
129
127
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
15.32
3.64
5.28
3.93
2.71
1.11
2.31
3.99
3.85
4.54
4.19
3.52
2.96
2.86

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
213
213
184
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
6
6
Market Capitalization
105
105
105

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
50
55
58
Accounts Receivable, Net
4
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.88%
0.74%
-1.07%
Free Cash Flow
16.94%
21.75%
99.1%
Net Income, GAAP
5.19%
-3.25%
-14.91%
Sales/Revenue/Turnover
-5.74%
-0.55%
0.35%
Total Cash Common Dividend
-0.71%
-2.07%
-3.11%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
10
9
10
39
2025
10
10
10
10
39
2026
10
10
10
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.31
0.22
0.28
1.06
2025
0.28
0.13
0.28
0.25
- -
2026
0.26
0.22
0.21
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
0.14
0.14
0.14
0.56
2025
0.14
0.14
0.14
0.14
- -
2026
0.14
0.14
0.14
- -
- -

Company Description

APIChatGPT
CEO
Donavon Ternes
Full Time Employees
163
Sector
Financial Services
Industry
Banks - Regional
Address
3756 Central Avenue Riverside CA United States of America 92506
IPO Date
Jun 28, 1996
Business
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., a federally chartered savings bank primarily serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company offers a broad range of financial products and services including deposit accounts; single-family, multi-family, commercial real estate, construction, commercial business, consumer, and mortgage loans; investment services; trustee services for real estate transactions; and wealth management and fiduciary services. It also provides insurance products through its subsidiaries. Founded in 1996 and headquartered in Riverside, California, Provident Financial focuses on community banking with a commitment to maintaining strong credit and interest rate risk management practices. In recent years, Provident Financial Holdings has emphasized growth through a strategic repricing of its loan portfolio and has experienced net interest margin expansion beginning in fiscal 2025, alongside consistent dividend payments and a common stock repurchase program. The company has reported steady increases in loan and deposit balances for consecutive quarters and improvements in credit quality. Recent operational focus includes prudently managing expenses and maintaining a sound balance sheet amid an evolving interest rate environment. Provident continues to strengthen its position through active community engagement and enhancement of its financial services platform aimed at supporting its target market in Southern California. Provident Financial Holdings remains a regionally focused financial institution with core business activities centered on community banking, investment management, trustee services, and insurance offerings, with an operational emphasis on serving the financial needs of its local consumer and business clientele while maintaining a disciplined, conservative growth strategy aligned with market conditions and regulatory guidelines. Its key financial and operational developments in the last 1-2 years indicate a stable growth trajectory supported by consistent earnings performance and shareholder returns.

Company News

APIChatGPT
  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call

  • Provident Financial (PROV) Earnings Expected to Grow: Should You Buy?

  • Provident Bank Celebrates 70 Years of Community Impact with Over $984,000 Donated to Local Nonprofits Since 2006 Through Its Community Partnership Program

  • Provident Financial Holdings, Inc. (PROV) Q3 2026 Earnings Call Transcript

  • Provident Financial Holdings Reports Third Quarter of Fiscal 2026 Results

  • Provident Financial Holdings Announces Quarterly Cash Dividend

  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call

  • First Niles Financial (OTCMKTS:FNFI) vs. Provident Financial (NASDAQ:PROV) Financial Survey

  • Provident Financial (NASDAQ:PROV) Shares Pass Above 200 Day Moving Average – Time to Sell?

  • Provident Bank Named One of America's Best Regional Banks for 2026 by Newsweek

  • Provident Financial Holdings, Inc. (PROV) Q2 2026 Earnings Call Transcript

  • Provident Financial Holdings Announces New Stock Repurchase Plan

  • Provident Financial Holdings Announces Quarterly Cash Dividend

  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call

  • Provident Financial (NASDAQ:PROV) Shares Pass Above 200 Day Moving Average – Here’s Why

  • Provident Financial (NASDAQ:PROV) Stock Passes Above 200-Day Moving Average – Here’s What Happened

  • Provident Financial (NASDAQ:PROV) vs. WSFS Financial (NASDAQ:WSFS) Financial Comparison

  • Provident Financial Holdings, Inc. (PROV) Shareholder/Analyst Call Prepared Remarks Transcript

  • Provident Financial Holdings, Inc. (PROV) Q1 2026 Earnings Call Transcript

  • Provident Financial (PROV) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates