PROV - NASDAQ
Provident Financial Holdings, Inc.
$16.90
-0.15%Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
At a Glance
Live SnapshotProvident Financial Holdings, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Provident Financial Holdings, Inc. Income Statement
PROV • NASDAQ
| Provident Financial Holdings, Inc. Income Statement | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | Jun 2009 | Jun 2008 | Jun 2007 | Jun 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
60.2M | 58.7M | 50.1M | 39.4M | 39.8M | 47M | 56.9M | 64.6M | 73.2M | 76.4M | 80.1M | 69.7M | 119.4M | 94.6M | 94M | 92.4M | 106.1M | 101M | 118.5M | 112.8M | |
GROSS PROFIT | ||||||||||||||||||||
(20.5M) | (19.7M) | (9.4M) | (673K) | (3.9M) | (7.2M) | (5.7M) | (5.9M) | (5.6M) | (5.3M) | (5M) | (4M) | (9.3M) | (20.5M) | (26.4M) | (52.4M) | (90.8M) | (67.4M) | (64.3M) | (43.7M) | |
39.7M | 38.9M | 40.7M | 38.8M | 35.9M | 39.8M | 51.2M | 58.7M | 67.6M | 71.1M | 75M | 65.8M | 110.1M | 74.1M | 67.6M | 40M | 15.3M | 33.5M | 54.3M | 69.1M | |
OPERATING INCOME | ||||||||||||||||||||
(30.8M) | (28.5M) | (28.3M) | (25.9M) | (25.7M) | (28.9M) | (45.2M) | (53.2M) | (58.8M) | (58.3M) | (58M) | (54.2M) | (67.3M) | (55.4M) | (44.3M) | (38.1M) | (30M) | (30.3M) | (33.8M) | (32.9M) | |
(20.5M) | (19.1M) | (19M) | (17M) | (16.4M) | (19.9M) | (31.7M) | (36.6M) | (43.8M) | (45M) | (44.2M) | (40.8M) | (53.4M) | (41.8M) | (33.2M) | (27M) | (20.1M) | (19.5M) | (23M) | (21.6M) | |
8.9M | 10.4M | 12.4M | 12.9M | 10.2M | 10.9M | 5.9M | 5.5M | 8.8M | 12.8M | 17.1M | 11.6M | 42.7M | 18.7M | 23.3M | 1.9M | -14.7M | 3.2M | 20.4M | 36.2M | |
PRE-TAX INCOME | ||||||||||||||||||||
(21.2M) | (19.8M) | (9M) | (3.1M) | (4.6M) | (6.1M) | (6.2M) | (6.4M) | (6.7M) | (7M) | (6.4M) | (7.3M) | (10.8M) | (14.7M) | (20.9M) | (30.6M) | (42.2M) | (54.3M) | (59.2M) | (42.6M) | |
35.5M | 34.9M | 37M | 31.6M | 30.6M | 36.4M | 38.2M | 36.3M | 35.7M | 32.3M | 33.3M | 30.7M | 33.4M | 36.7M | 37.7M | 39.6M | 43.8M | 41.4M | 41.8M | 44.1M | |
(10.3M) | (9.4M) | (9.3M) | (8.9M) | (9.3M) | (9M) | (13.5M) | (16.6M) | (14.9M) | (13.3M) | (13.7M) | (13.4M) | (14M) | (13.6M) | (11M) | (11.1M) | (9.9M) | (10.8M) | (10.9M) | (11.3M) | |
8.9M | 10.4M | 12.4M | 12.9M | 10.2M | 10.9M | 5.9M | 5.5M | 8.8M | 12.8M | 17.1M | 11.6M | 42.7M | 18.7M | 23.3M | 1.9M | -14.7M | 3.2M | 20.4M | 36.2M | |
NET INCOME | ||||||||||||||||||||
(2.6M) | (3M) | (3.8M) | (3.8M) | (2.6M) | (3.2M) | (1.5M) | (3.4M) | (3.6M) | (5.4M) | (7.3M) | (5M) | (16.9M) | (7.9M) | (10M) | (740K) | -7.2M | (2.4M) | (9.1M) | (15.7M) | |
6.3M | 7.4M | 8.6M | 9.1M | 7.6M | 7.7M | 4.4M | 2.1M | 5.2M | 7.5M | 9.8M | 6.6M | 25.8M | 10.8M | 13.2M | 1.1M | -7.4M | 860K | 11.3M | 20.5M |
SEC Filings
PROV - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 28, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 17, 2026 | April 13, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 21, 2025 | November 20, 2025 | 2025 |
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Research Paths
Snapshot
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Statements
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