What is Provident Finl Hldgs Inc's earnings per share (EPS)?

Provident Finl Hldgs Inc (PROV) reported diluted earnings per share of $0.93 for fiscal year 2025. This represents a -12.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Provident Finl Hldgs Inc Financials

PROV

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE June

This page shows Provident Finl Hldgs Inc (PROV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PROV FY2025 2026-04-22

Rising funding costs turned higher revenue into a thinner spread business, keeping returns on this large asset base subdued.

Between FY2023 and FY2025, revenue per dollar of assets improved as revenue climbed to $56.6M while assets fell to $1.25B, suggesting the balance sheet was earning more. But interest expense more than doubled to $21.2M from $9.0M, so that better asset utilization did not translate into better margins or returns for shareholders.

With only about $128.5M of equity supporting more than $1.1B of liabilities, this is a thin-equity balance sheet with a liability-funded model. That helps explain why shareholder returns can still appear respectable when asset returns stay below 1.0%: leverage magnifies modest earnings on the asset base.

The business is not physically capital intensive: capex was only $530K against operating cash flow of $8.7M, so most internally generated cash was available for capital returns. That helps explain how the share count kept drifting down through repurchases while retained earnings still reached $212.4M.

Financial Health Signals

Financial Profile 23/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Provident Finl Hldgs Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Provident Finl Hldgs Inc's revenue grew a modest 3.5% year-over-year to $56.6M. This slow but positive growth earns a score of 52/100.

Leverage

Provident Finl Hldgs Inc has elevated debt relative to equity (D/E of 8.69), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Provident Finl Hldgs Inc converts 14.4% of revenue into free cash flow ($8.2M). This strong cash generation earns a score of 66/100.

Returns

Provident Finl Hldgs Inc generates a 4.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 5.7% the prior year.

Piotroski F-Score Neutral

5/9

Provident Finl Hldgs Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, Provident Finl Hldgs Inc generates $1.39 in operating cash flow ($8.7M OCF vs $6.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$56.6M

YoY+3.5%

5Y CAGR+5.9%

10Y CAGR+3.6%

Provident Finl Hldgs Inc generated $56.6M in revenue in fiscal year 2025. This represents an increase of 3.5% from the prior year.

EBITDA

N/A

Net Income

$6.3M

YoY-14.9%

5Y CAGR-4.0%

10Y CAGR-4.4%

Provident Finl Hldgs Inc reported $6.3M in net income in fiscal year 2025. This represents a decrease of 14.9% from the prior year.

EPS (Diluted)

$0.93

YoY-12.3%

5Y CAGR-1.6%

10Y CAGR-1.4%

Provident Finl Hldgs Inc earned $0.93 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 12.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$8.2M

YoY+99.1%

5Y CAGR+1.1%

Provident Finl Hldgs Inc generated $8.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 99.1% from the prior year.

Cash & Debt

$53.1M

YoY+3.3%

5Y CAGR-14.5%

10Y CAGR-4.2%

Provident Finl Hldgs Inc held $53.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY-3.9%

5Y CAGR-2.4%

10Y CAGR-2.7%

Provident Finl Hldgs Inc had 7M shares outstanding in fiscal year 2025. This represents a decrease of 3.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.1%

YoY-2.4pp

5Y CAGR-7.1pp

10Y CAGR-13.7pp

Provident Finl Hldgs Inc's net profit margin was 11.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.4 percentage points from the prior year.

Return on Equity

4.9%

YoY-0.8pp

5Y CAGR-1.3pp

10Y CAGR-2.1pp

Provident Finl Hldgs Inc's ROE was 4.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$4.4M

YoY+71.0%

5Y CAGR+28.2%

10Y CAGR-9.9%

Provident Finl Hldgs Inc spent $4.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 71.0% from the prior year.

Capital Expenditures

$530K

YoY-66.6%

5Y CAGR+18.3%

10Y CAGR+3.5%

Provident Finl Hldgs Inc invested $530K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.6% from the prior year.

PROV Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$56.6M+3.5%	$54.7M+19.0%	$46.0M+32.4%	$34.7M-1.3%	$35.2M-17.1%	$42.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$19.0M+7.7%	$17.6M-0.5%	$17.7M+12.0%	$15.8M+4.5%	$15.2M-19.9%	$18.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.2M+6.8%	$19.8M+119.9%	$9.0M+187.3%	$3.1M-31.3%	$4.6M-24.7%	$6.1M
Income Tax	$2.6M-13.8%	$3.0M-20.6%	$3.8M+1.6%	$3.8M+43.4%	$2.6M-18.3%	$3.2M
Net Income	$6.3M-14.9%	$7.4M-14.4%	$8.6M-5.5%	$9.1M+20.3%	$7.6M-1.7%	$7.7M
EPS (Diluted)	$0.93-12.3%	$1.06-10.9%	$1.19-2.5%	$1.22+22.0%	$1.00-1.0%	$1.01

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$13.9M-1.4%	$14.1M+0.3%	$14.1M-2.3%	$14.4M+2.9%	$14.0M-0.4%	$14.1M+1.1%	$13.9M+0.8%	$13.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.8M+0.3%	$4.8M0.0%	$4.8M-0.1%	$4.8M-1.0%	$4.8M+4.2%	$4.6M+4.8%	$4.4M-2.7%	$4.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.0M-3.6%	$5.2M0.0%	$5.2M0.0%	$5.2M-0.9%	$5.3M-3.6%	$5.5M-0.1%	$5.5M+4.1%	$5.2M
Income Tax	$614K-41.7%	$1.1M+55.0%	$680K-14.7%	$797K+126.4%	$352K-55.4%	$789K-2.0%	$805K+29.8%	$620K
Net Income	$1.4M-14.6%	$1.7M+3.4%	$1.6M-12.4%	$1.9M+113.0%	$872K-54.1%	$1.9M-2.7%	$2.0M+30.6%	$1.5M
EPS (Diluted)	$0.22-12.0%	$0.25	N/A	$0.28+115.4%	$0.13-53.6%	$0.28	N/A	$0.22

PROV Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B-2.1%	$1.3B-4.6%	$1.3B+12.3%	$1.2B+0.3%	$1.2B+0.6%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.1M+3.3%	$51.4M-22.0%	$65.8M+181.2%	$23.4M-66.7%	$70.3M-39.4%	$116.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.1B-2.2%	$1.1B-5.1%	$1.2B+13.7%	$1.1B+0.2%	$1.1B+0.3%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$128.5M-1.1%	$129.9M+0.2%	$129.7M+0.8%	$128.7M+1.1%	$127.3M+2.7%	$124.0M
Retained Earnings	$212.4M+1.2%	$209.9M+1.3%	$207.3M+2.3%	$202.7M+2.5%	$197.7M+1.7%	$194.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.2B-0.2%	$1.2B-1.2%	$1.2B-1.2%	$1.3B+0.4%	$1.3B-0.2%	$1.3B-1.2%	$1.3B-1.4%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54.4M+10.0%	$49.4M-6.9%	$53.1M+4.3%	$50.9M+11.8%	$45.5M-5.5%	$48.2M-6.2%	$51.4M-0.7%	$51.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.1B-0.2%	$1.1B-1.3%	$1.1B-1.3%	$1.1B+0.4%	$1.1B-0.1%	$1.1B-1.3%	$1.1B-1.6%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$127.5M-0.7%	$128.4M-0.1%	$128.5M-0.3%	$128.9M+0.2%	$128.6M-0.8%	$129.6M-0.3%	$129.9M+0.3%	$129.5M
Retained Earnings	$213.7M+0.2%	$213.2M+0.4%	$212.4M+0.3%	$211.7M+0.4%	$210.8M0.0%	$210.9M+0.4%	$209.9M+0.5%	$208.9M

PROV Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$8.7M+52.8%	$5.7M-65.2%	$16.3M+38.4%	$11.8M+1.9%	$11.6M+45.5%	$8.0M
Capital Expenditures	$530K-66.6%	$1.6M+114.4%	$741K+349.1%	$165K-26.7%	$225K-1.7%	$229K
Free Cash Flow	$8.2M+99.1%	$4.1M-73.7%	$15.6M+34.0%	$11.6M+2.5%	$11.3M+46.9%	$7.7M
Investing Cash Flow	$26.5M-41.3%	$45.1M+141.0%	-$109.9M-112.4%	-$51.7M+7.4%	-$55.9M-14.2%	-$48.9M
Financing Cash Flow	-$33.4M+48.7%	-$65.2M-148.0%	$136.0M+2070.2%	-$6.9M-371.2%	-$1.5M-101.7%	$86.4M
Dividends Paid	$3.8M-3.1%	$3.9M-2.8%	$4.0M-3.6%	$4.1M-0.6%	$4.2M-0.2%	$4.2M
Share Buybacks	$4.4M+71.0%	$2.6M-44.0%	$4.6M+8.0%	$4.3M+84.3%	$2.3M+82.1%	$1.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.2M-51.2%	$2.5M+0.6%	$2.5M-25.3%	$3.3M+925.3%	$324K-87.3%	$2.6M+438.5%	-$756K-125.3%	$3.0M
Capital Expenditures	$187K+325.0%	$44K-85.9%	$313K+979.3%	$29K+70.6%	$17K-90.1%	$171K+81.9%	$94K-76.2%	$395K
Free Cash Flow	$1.0M-57.9%	$2.5M+13.2%	$2.2M-34.2%	$3.3M+972.6%	$307K-87.1%	$2.4M+380.9%	-$850K-132.8%	$2.6M
Investing Cash Flow	$8.6M-11.7%	$9.7M-42.1%	$16.8M+168370.0%	-$10K+98.5%	-$653K-106.3%	$10.3M-43.7%	$18.3M+22.6%	$14.9M
Financing Cash Flow	-$4.9M+69.5%	-$15.9M+7.1%	-$17.1M-930.0%	$2.1M+188.8%	-$2.3M+85.5%	-$16.0M+10.3%	-$17.9M-37.1%	-$13.0M
Dividends Paid	$906K-1.6%	$921K-0.3%	$924K-1.2%	$935K-1.2%	$946K-1.6%	$961K-0.1%	$962K-0.6%	$968K
Share Buybacks	$1.5M+45.0%	$1.1M-8.2%	$1.2M+43.9%	$801K-22.2%	$1.0M-29.6%	$1.5M+129.8%	$637K-9.9%	$707K

PROV Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.1%-2.4pp	13.4%-5.2pp	18.7%-7.5pp	26.2%+4.7pp	21.5%+3.4pp	18.1%
Return on Equity	4.9%-0.8pp	5.7%-1.0pp	6.6%-0.4pp	7.1%+1.1pp	5.9%-0.3pp	6.2%
Return on Assets	0.5%-0.1pp	0.6%-0.1pp	0.6%-0.1pp	0.8%+0.1pp	0.6%0.0pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.69-0.1	8.79-0.5	9.28+1.1	8.23-0.1	8.30-0.2	8.49
FCF Margin	14.4%+6.9pp	7.5%-26.4pp	33.9%+0.4pp	33.5%+1.2pp	32.2%+14.0pp	18.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	10.3%-1.6pp	11.9%+0.4pp	11.5%-1.3pp	12.9%+6.7pp	6.2%-7.3pp	13.5%-0.5pp	14.0%+3.2pp	10.8%
Return on Equity	1.1%-0.2pp	1.3%+0.1pp	1.3%-0.2pp	1.4%+0.8pp	0.7%-0.8pp	1.5%-0.0pp	1.5%+0.3pp	1.1%
Return on Assets	0.1%-0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%+0.1pp	0.1%-0.1pp	0.1%0.0pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.63+0.0	8.59-0.1	8.69-0.1	8.78+0.0	8.76+0.1	8.70-0.1	8.79-0.2	8.96
FCF Margin	7.4%-9.9pp	17.3%+2.0pp	15.4%-7.4pp	22.8%+20.6pp	2.2%-14.8pp	17.0%+23.1pp	-6.1%-24.9pp	18.7%

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Frequently Asked Questions

What is Provident Finl Hldgs Inc's annual revenue?

Provident Finl Hldgs Inc (PROV) reported $56.6M in total revenue for fiscal year 2025. This represents a 3.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Provident Finl Hldgs Inc's revenue growing?

Provident Finl Hldgs Inc (PROV) revenue grew by 3.5% year-over-year, from $54.7M to $56.6M in fiscal year 2025.

Is Provident Finl Hldgs Inc profitable?

Yes, Provident Finl Hldgs Inc (PROV) reported a net income of $6.3M in fiscal year 2025, with a net profit margin of 11.1%.

What is Provident Finl Hldgs Inc's net profit margin?

Provident Finl Hldgs Inc (PROV) had a net profit margin of 11.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Provident Finl Hldgs Inc's return on equity (ROE)?

Provident Finl Hldgs Inc (PROV) has a return on equity of 4.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Provident Finl Hldgs Inc's free cash flow?

Provident Finl Hldgs Inc (PROV) generated $8.2M in free cash flow during fiscal year 2025. This represents a 99.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Provident Finl Hldgs Inc's operating cash flow?

Provident Finl Hldgs Inc (PROV) generated $8.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Provident Finl Hldgs Inc's total assets?

Provident Finl Hldgs Inc (PROV) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Provident Finl Hldgs Inc's capital expenditures?

Provident Finl Hldgs Inc (PROV) invested $530K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Provident Finl Hldgs Inc buy back shares?

Yes, Provident Finl Hldgs Inc (PROV) spent $4.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Provident Finl Hldgs Inc have outstanding?

Provident Finl Hldgs Inc (PROV) had 7M shares outstanding as of fiscal year 2025.

What is Provident Finl Hldgs Inc's debt-to-equity ratio?

Provident Finl Hldgs Inc (PROV) had a debt-to-equity ratio of 8.69 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Provident Finl Hldgs Inc's return on assets (ROA)?

Provident Finl Hldgs Inc (PROV) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Provident Finl Hldgs Inc's Piotroski F-Score?

Provident Finl Hldgs Inc (PROV) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Provident Finl Hldgs Inc's earnings high quality?

Provident Finl Hldgs Inc (PROV) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Provident Finl Hldgs Inc?

Provident Finl Hldgs Inc (PROV) scores 23 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.