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PROV

Provident Financial Holdings, Inc.

PROV

Provident Financial Holdings, Inc. • NASDAQ
$15.33 ▲ 0.46% (+0.07)
Market Cap $101.93 M
52w High $16.70
52w Low $12.98
Dividend Yield 0.56%
P/E 17.03
Volume 1.41K
Outstanding Shares 6.65M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q1-2026 $14.959M ▼ $7.634M ▲ $1.681M ▲ 11.237% ▲ $0.26 ▲ $3.545M ▲
Q4-2025 $14.979M ▼ $7.62M ▼ $1.626M ▼ 10.855% ▼ $0.25 ▼ $3.242M ▼
Q3-2025 $15.336M ▲ $7.856M ▲ $1.857M ▲ 12.109% ▲ $0.28 ▲ $3.388M ▲
Q2-2025 $14.866M ▼ $7.794M ▲ $872K ▼ 5.866% ▼ $0.13 ▼ $2.138M ▼
Q1-2025 $14.974M $7.523M $1.9M 12.689% $0.28 $3.591M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q1-2026 $49.657M ▼ $1.231B ▼ $1.102B ▼ $128.37M ▼
Q4-2025 $53.159M ▲ $1.246B ▼ $1.117B ▼ $128.545M ▼
Q3-2025 $51.098M ▲ $1.26B ▲ $1.131B ▲ $128.875M ▲
Q2-2025 $47.289M ▼ $1.255B ▼ $1.126B ▼ $128.63M ▼
Q1-2025 $50.002M $1.257B $1.128B $129.606M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $1.681M ▲ $2.496M ▲ $9.742M ▼ $-15.921M ▲ $-3.683M ▼ $2.452M ▲
Q4-2025 $1.626M ▼ $2.48M ▼ $16.827M ▲ $-17.132M ▼ $2.175M ▼ $2.167M ▼
Q3-2025 $1.857M ▲ $3.322M ▲ $-10K ▲ $2.064M ▲ $5.376M ▲ $3.293M ▲
Q2-2025 $872K ▼ $324K ▼ $-653K ▼ $-2.325M ▲ $-2.654M ▲ $307K ▼
Q1-2025 $1.9M $2.559M $10.295M $-16.037M $-3.183M $2.388M

Revenue by Products

Product Q2-2025Q3-2025Q4-2025Q1-2026
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Provident’s income statement shows a steady, slow-growing bank with fairly stable earnings. Revenue has inched up over the past few years, but profits per share have softened slightly after peaking a few years ago. Margins remain relatively consistent, but they are not expanding, which suggests a mature, low-growth business facing normal pressure from funding costs and competition. Overall, profitability looks consistent rather than dynamic, with limited volatility but also limited growth momentum.

Balance Sheet

Balance Sheet The balance sheet looks solid but more leveraged than a few years ago. Total assets have come down a bit from a recent high, equity has stayed fairly flat, and the bank relies more on borrowed funds than it did earlier in the period. Cash levels move around year to year but appear adequate rather than abundant. In plain terms, this is a fairly typical community bank balance sheet: conservative in size, stable in capital, but with some increased use of wholesale or other borrowings that is worth watching over time.

Cash Flow

Cash Flow Cash generation is positive but modest, which fits a small, steady bank. Operating cash flow has been consistently in the black, and free cash flow has generally stayed positive as well. Capital spending is minimal, indicating that the bank is not undertaking heavy physical expansion or large-scale infrastructure projects. Cash flows suggest a stable, cash-generative model, but not one throwing off large excess cash beyond what’s needed to run the business and support shareholder returns and balance sheet needs.

Competitive Edge

Competitive Edge Provident operates as a classic community bank with a strong local focus in California’s Inland Empire. Its edge comes from deep relationships, local decision-making, and knowledge of the regional real estate and business environment. Customers who value personal service and a local presence are the core of its franchise. On the other hand, the bank lacks the scale, brand power, and broad product set of larger regional and national banks, and it must keep up with digital expectations to defend its niche. Its moat is relationship-based rather than technology- or scale-based, which is durable locally but can be vulnerable if larger competitors or fintechs target the same customer base aggressively.

Innovation and R&D

Innovation and R&D Provident is not a high-tech innovator, but it has built out the essential digital tools that customers now expect: online and mobile banking, electronic statements, bill pay, mobile check deposit, and peer-to-peer payments. The emphasis is on using standard technology to support a relationship-driven model rather than on creating new fintech products. Security is a clear focus, which is important for maintaining trust. Future innovation is likely to show up as incremental upgrades to digital channels and potential partnerships rather than in-house development of cutting-edge platforms. For a bank of this size, execution and user experience in these basic digital services matter more than pursuing experimental technology.

Summary

Overall, Provident Financial Holdings looks like a traditional, community-focused bank with steady but modest financial performance. Earnings and cash flow are consistent, with limited growth and some recent softening in profit per share. The balance sheet appears sound, though somewhat more reliant on borrowings than in the past, which bears monitoring in changing interest rate environments. The bank’s strength lies in its local relationships, knowledge of its core market, and personalized service, rather than in scale or breakthrough innovation. Its digital banking capabilities are in line with modern expectations but not differentiated. Going forward, the key swing factors are likely to be local economic conditions in the Inland Empire, management’s ability to maintain and grow core deposits, and how well the bank balances its traditional relationship model with continued gradual improvements in its digital offerings and funding structure.

NEWS

October 28, 2025 · 6:00 AM UTC

Provident Financial Holdings Reports First Quarter of Fiscal 2026 Results

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October 23, 2025 · 6:12 PM UTC

Provident Financial Holdings Announces Quarterly Cash Dividend

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