PROVIDENT FINANCIAL HOLDINGS INCPROVEarnings & Financial Report
Provident Financial Holdings Inc is a bank holding company operating through its subsidiary Provident Savings Bank. It offers retail and commercial banking services including deposit products, mortgage loans, consumer lending and small business financing for local communities across California.
Revenue
$10.1M
Gross Profit
N/A
Operating Profit
$2.7M
Net Profit
$1.9M
Gross Margin
N/A
Operating Margin
26.2%
Net Margin
18.4%
YoY Growth
7.6%
EPS
$0.28
PROVIDENT FINANCIAL HOLDINGS INC Q3 FY2025 Financial Summary
PROVIDENT FINANCIAL HOLDINGS INC reported revenue of $10.1M (up 7.6% YoY) for Q3 FY2025, with a net profit of $1.9M (up 24.2% YoY) (18.4% margin).
Key Financial Metrics
| Total Revenue | $10.1M |
|---|---|
| Net Profit | $1.9M |
| Gross Margin | N/A |
| Operating Margin | 26.2% |
| Report Period | Q3 FY2025 |
PROVIDENT FINANCIAL HOLDINGS INC Annual Revenue by Year
PROVIDENT FINANCIAL HOLDINGS INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $39.0M).
| Year | Annual Revenue |
|---|---|
| 2025 | $39.0M |
| 2024 | $38.9M |
| 2023 | $37.0M |
| 2022 | $31.6M |
PROVIDENT FINANCIAL HOLDINGS INC Quarterly Revenue & Net Profit History
PROVIDENT FINANCIAL HOLDINGS INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q2 FY2026 | $9.8M | +2.5% | $1.4M | 14.6% |
| Q1 FY2026 | $9.7M | +2.4% | $1.7M | 17.3% |
| Q4 FY2025 | $9.8M | -1.6% | $1.6M | 16.7% |
| Q3 FY2025 | $10.1M | +7.6% | $1.9M | 18.4% |
| Q2 FY2025 | $9.6M | -0.5% | $872.0K | 9.1% |
| Q1 FY2025 | $9.5M | -3.8% | $1.9M | 20.0% |
| Q4 FY2024 | $9.9M | -4.3% | $2.0M | 19.7% |
| Q3 FY2024 | $9.4M | -9.4% | $1.5M | 15.9% |
Income Statement
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.4M | $9.9M | $9.5M | $9.6M | $10.1M | $9.8M | $9.7M | $9.8M |
| YoY Growth | -9.4% | -4.3% | -3.8% | -0.5% | 7.6% | -1.6% | 2.4% | 2.5% |
Balance Sheet
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.29B | $1.27B | $1.26B | $1.25B | $1.26B | $1.25B | $1.23B | $1.23B |
| Liabilities | $1.16B | $1.14B | $1.13B | $1.13B | $1.13B | $1.12B | $1.10B | $1.10B |
| Equity | $129.5M | $129.9M | $129.6M | $128.6M | $128.9M | $128.5M | $128.4M | $127.5M |
Cash Flow
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $3.0M | $5.7M | $2.6M | $324000 | $3.3M | $8.7M | $2.5M | $1.2M |