Provident Financial Holdings Inc (PROV)

Name: Provident Financial Holdings Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$14.9M

Net Income

$1.4M

Operating Margin

13.8%

Free Cash Flow

$8.2M

Debt / Assets

89.7%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Provident Financial Holdings Inc (PROV).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-03-31	2024-12-31
Revenue	14,867,000	14,959,000	15,336,000	14,866,000
Cost of Revenue	4,868,000	4,590,000	4,826,000	5,848,000
Gross Profit	9,999,000	10,369,000	13,875,000	9,604,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	6,113,000	5,083,000	9,651,000	5,203,000
Operating Expenses	7,949,000	7,634,000	9,651,000	7,794,000
Operating Income	2,050,000	2,735,000	2,654,000	1,224,000
Interest Expense	5,026,000	5,216,000	5,217,000	5,262,000
Income Before Tax	2,050,000	2,735,000	2,654,000	1,224,000
Income Tax Expense	614,000	1,054,000	797,000	352,000
Net Income	1,436,000	1,681,000	1,857,000	872,000
Per Share
EPS	0.22	0.26	0.28	0.13
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Provident Financial Holdings Inc (PROV).
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 history for Provident Financial Holdings Inc (PROV).
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 history for Provident Financial Holdings Inc (PROV).
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 quarterly history for Provident Financial Holdings Inc (PROV).
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 annual history for Provident Financial Holdings Inc (PROV).
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