Provident Financial Holdings Inc (PROV)

Financial Services | Banks Regional
Income Statement (Quarterly) 2025-09-30 2025-03-31 2024-12-31 2024-09-30
Revenue 14,959,000 15,336,000 14,866,000 10,212,000
Cost of Revenue 4,590,000 4,826,000 5,848,000 0
Gross Profit 10,369,000 13,875,000 9,604,000 10,212,000
Operating Expenses
R&D Expenses 0 0 0 0
SG&A Expenses 5,083,000 9,651,000 5,203,000 4,989,000
Operating Expenses 7,634,000 9,651,000 7,794,000 6,526,000
Operating Income 2,735,000 2,654,000 1,224,000 2,689,000
Interest Expense 5,216,000 5,217,000 5,262,000 5,459,000
Income Before Tax 2,735,000 2,654,000 1,224,000 2,689,000
Income Tax Expense 1,054,000 797,000 352,000 789,000
Net Income 1,681,000 1,857,000 872,000 1,900,000
Per Share
EPS 0.26 0.28 0.13 0.28
EPS Diluted 0.00 0.00 0.00 0.00
Income Statement (Annual) 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Revenue 60,155,000 38,864,000 41,060,000 36,311,000 35,212,000
Cost of Revenue 20,489,000 0 9,381,000 0 0
Gross Profit 39,666,000 38,864,000 41,060,000 36,311,000 0
Operating Expenses
R&D Expenses 0 0 0 0 0
SG&A Expenses 20,460,000 24,776,000 24,475,000 17,018,000 16,389,000
Operating Expenses 30,793,000 24,776,000 24,475,000 642,000 0
Operating Income 8,873,000 10,387,000 16,211,000 15,993,000 0
Interest Expense 21,155,000 19,807,000 9,007,000 3,135,000 4,562,000
Income Before Tax 8,873,000 10,387,000 12,416,000 12,858,000 10,187,000
Income Tax Expense 2,618,000 3,036,000 3,824,000 3,765,000 2,626,000
Net Income 6,255,000 7,351,000 8,592,000 9,093,000 7,561,000
Per Share
EPS 0.93 1.06 1.20 1.23 1.01
EPS Diluted 0.00 0.00 0.00 0.00 0.00
Balance Sheet (Quarterly) 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Assets
Cash and Cash Equivalents 53,090,000 51,376,000 65,849,000 23,414,000
Short Term Investments 69,000 1,849,000 2,155,000 2,676,000
Net Receivables 4,215,000 4,287,000 3,711,000 2,966,000
Inventory 0 0 -69,560,000 -26,380,000
Total Current Assets 57,374,000 57,512,000 71,715,000 29,056,000
Property Plant Equipment 9,324,000 9,313,000 9,231,000 8,826,000
Goodwill and Intangibles 0 0 0 0
Total Assets 1,245,613,000 1,272,200,000 1,332,948,000 1,187,038,000
Liabilities
Account Payables 0 0 17,681,000 17,884,000
Short Term Debt 0 0 0 35,832,000
Total Current Liabilities 888,772,000 888,348,000 167,690,000 17,884,000
Long Term Debt 213,073,000 238,500,000 85,000,000 85,000,000
Total Liabilities 1,117,068,000 1,142,259,000 1,203,261,000 1,058,388,000
Shareholders Equity
Retained Earnings 212,403,000 209,914,000 207,274,000 202,680,000
Total Shareholders Equity 128,545,000 129,941,000 129,687,000 128,650,000
Balance Sheet (Annual) 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Assets
Cash and Cash Equivalents 53,090,000 51,376,000 65,849,000 23,414,000 70,270,000
Short Term Investments 69,000 1,849,000 2,155,000 2,676,000 3,587,000
Net Receivables 4,215,000 4,287,000 3,711,000 2,966,000 2,999,000
Inventory 0 0 -69,560,000 -26,380,000 0
Total Current Assets 57,374,000 57,512,000 71,715,000 29,056,000 0
Property Plant Equipment 9,324,000 9,313,000 9,231,000 8,826,000 9,377,000
Goodwill and Intangibles 0 0 0 0 0
Total Assets 1,245,613,000 1,272,200,000 1,332,948,000 1,187,038,000 1,183,596,000
Liabilities
Account Payables 0 0 17,681,000 17,884,000 17,360,000
Short Term Debt 0 0 0 35,832,000 0
Total Current Liabilities 888,772,000 888,348,000 167,690,000 17,884,000 0
Long Term Debt 213,073,000 238,500,000 85,000,000 85,000,000 100,983,000
Total Liabilities 1,117,068,000 1,142,259,000 1,203,261,000 1,058,388,000 1,056,316,000
Shareholders Equity
Retained Earnings 212,403,000 209,914,000 207,274,000 202,680,000 197,733,000
Total Shareholders Equity 128,545,000 129,941,000 129,687,000 128,650,000 127,280,000
Cash Flow Statement (Quarterly) 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Activities
Net Income 6,255,000 7,351,000 8,592,000 9,093,000
Depreciation & Amortization 3,486,000 3,155,000 3,188,000 4,849,000
Stock Based Compensation 543,000 240,000 1,185,000 798,000
Change in Working Capital -2,173,000 -4,400,000 1,755,000 -1,625,000
Operating Cash Flow 8,685,000 5,685,000 16,325,000 11,793,000
Investing Activities
Capital Expenditure -530,000 -1,589,000 -741,000 -165,000
Investments -530,000 -1,589,000 -741,000 -165,000
Investing Cash Flow 26,459,000 45,062,000 -109,896,000 -51,746,000
Financing Activities
Debt Repayment -25,512,000 3,491,000 -30,000,000 -20,983,000
Common Stock Issued/Repurchased -4,448,000 -2,601,000 170,428,000 -4,305,000
Dividends Paid -3,766,000 -3,887,000 -3,998,000 -4,146,000
Financing Cash Flow -33,430,000 -65,220,000 136,006,000 -6,903,000
Summary
Free Cash Flow 8,155,000 4,096,000 15,584,000 11,628,000
Net Change in Cash 1,714,000 -14,473,000 42,435,000 -46,856,000
Cash Flow Statement (Annual) 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Operating Activities
Net Income 6,255,000 7,351,000 8,592,000 9,093,000 7,561,000
Depreciation & Amortization 3,486,000 3,155,000 3,188,000 4,849,000 6,266,000
Stock Based Compensation 543,000 240,000 1,185,000 798,000 1,303,000
Change in Working Capital -2,173,000 -4,400,000 1,755,000 -1,625,000 -3,330,000
Operating Cash Flow 8,685,000 5,685,000 16,325,000 11,793,000 11,573,000
Investing Activities
Capital Expenditure -530,000 -1,589,000 -741,000 -165,000 -225,000
Investments -530,000 -1,589,000 -741,000 -165,000 -225,000
Investing Cash Flow 26,459,000 45,062,000 -109,896,000 -51,746,000 -55,872,000
Financing Activities
Debt Repayment -25,512,000 3,491,000 -30,000,000 -20,983,000 -35,064,000
Common Stock Issued/Repurchased -4,448,000 -2,601,000 170,428,000 -4,305,000 -2,336,000
Dividends Paid -3,766,000 -3,887,000 -3,998,000 -4,146,000 -4,173,000
Financing Cash Flow -33,430,000 -65,220,000 136,006,000 -6,903,000 -1,465,000
Summary
Free Cash Flow 8,155,000 4,096,000 15,584,000 11,628,000 11,348,000
Net Change in Cash 1,714,000 -14,473,000 42,435,000 -46,856,000 -45,764,000