PROV - NASDAQ

Provident Financial Holdings, Inc.

PROV·NASDAQ

$16.90

-0.15%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$105.69M

EPS0.9300

P/E Ratio18.17

Earnings Date07/27/2026

1.25B

Assets

-2%

3Y+5.0%

5Y+6.0%

10Y+6.0%

1.12B

Total Liabilities

-2%

3Y+6.0%

5Y+6.0%

10Y+8.0%

128.54M

Total Equity

-1%

3Y-

5Y+4.0%

10Y-4.0%

Provident Financial Holdings, Inc. Funding & Solvency Profile

PROV · NASDAQ

Current Assets

Cash & Cash Equivalents53.09M

Net Receivables4.21M

Inventory0.00

Other Current Assets0.00

Total Current Assets57 M

Non-Current Assets

Property, Plant & Equipment9.32M

Goodwill & Intangible Assets0.00

Long-Term Investments1.16B

Other Non-Current Assets22.23M

Total Non-Current Assets1 B

Total Assets

1.25B

Financial Health Analysis

Current Ratio

0.06x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.69x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-831398000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

5% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Provident Financial Holdings, Inc. Balance Sheet

PROV • NASDAQ

Provident Financial Holdings, Inc. Balance Sheet	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
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	53.1M	51.4M	65.8M	23.4M	70.3M	116M	70.6M	43.3M	72.8M	51.2M	81.4M	118.9M	193.8M	145.1M	142.6M	96.2M	56.9M	15.1M	12.8M	16.4M
Short-Term Investments	69K	1.8M	2.2M	2.7M	3.6M	4.7M	6M	7.5M	9.3M	11.5M	14.2M	16.3M	19.5M	22.9M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	53.2M	53.2M	68M	26.1M	73.9M	120.8M	76.6M	50.8M	82.1M	62.7M	95.6M	135.3M	213.3M	168M	142.6M	96.2M	56.9M	15.1M	12.8M	16.4M
Net Receivables	4.2M	4.3M	3.7M	3M	3M	3.3M	3.4M	3.2M	2.9M	2.8M	2.8M	2.5M	3M	3.3M	3.8M	4.6M	6.2M	7.3M	67.7M	106.7M
Accounts Receivables	4.2M	4.3M	3.7M	3M	3M	3.3M	3.4M	3.2M	2.9M	2.8M	2.8M	2.5M	3M	3.3M	3.8M	4.6M	6.2M	7.3M	7.2M	6.8M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	60.5M	99.9M
Prepaids	0.0	0.0	10.5M	15.2M	14.9M	13.2M	14.4M	16.9M	17.3M	19.5M	20.5M	20.1M	34M	26.8M	28.6M	34.7M	23.9M	0.0	0.0	0.0
Total Current Assets	57.4M	57.5M	82.2M	44.2M	91.8M	137.2M	94.4M	71M	102.4M	85.1M	118.9M	157.9M	250.3M	198.1M	175M	135.6M	87M	22.4M	80.6M	123.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	9.3M	9.3M	9.2M	8.8M	9.4M	10.3M	8.2M	8.7M	6.6M	6M	5.4M	6.4M	6.7M	6.6M	4.8M	5.8M	6.3M	6.5M	7.1M	6.9M
Intangible Assets	0.0	0.0	0.0	0.0	0.0	382K	627K	916K	739K	627K	396K	295K	334K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	1.2B	1.2B	1.2B	1.1B	1.1B	1B	974M	1.1B	1.1B	1.1B	1B	931.8M	936.4M	1B	1.1B	1.2B	1.4B	1.5B	1.5B	1.4B
Other Non-Current Assets	22.2M	22.3M	9.5M	8.2M	8.2M	8M	8.2M	9.1M	9.7M	10.8M	10.5M	9.5M	17.6M	27.7M	35.3M	46.5M	49.5M	53.8M	58.4M	47.6M
Total Non-Current Assets	1.2B	1.2B	1.3B	1.1B	1.1B	1B	990.4M	1.1B	1.1B	1.1B	1.1B	947.7M	960.7M	1.1B	1.1B	1.3B	1.5B	1.6B	1.6B	1.5B
Total Assets	1.2B	1.3B	1.3B	1.2B	1.2B	1.2B	1.1B	1.2B	1.2B	1.2B	1.2B	1.1B	1.2B	1.3B	1.3B	1.4B	1.6B	1.6B	1.6B	1.6B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	17.7M	17.9M	17.4M	18.8M	21.8M	21.3M	19.7M	20.2M	18M	20.5M	21.6M	28.2M	0.0	0.0	0.0	16.7M	15.8M	22.5M
Accounts Payable	0.0	0.0	17.7M	17.9M	17.4M	18.8M	21.8M	21.3M	19.7M	20.2M	18M	20.5M	21.6M	28.2M	0.0	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.7M	15.8M	22.5M
Other Current Liabilities	888.8M	888.3M	950.6M	955.5M	938M	893M	841.3M	907.6M	926.5M	926.4M	924.1M	897.9M	923M	961.4M	945.8M	932.9M	989.2M	1B	1B	917.6M
Total Current Liabilities	888.8M	888.3M	968.3M	973.4M	955.3M	911.8M	863.1M	928.9M	946.2M	946.6M	942.1M	918.3M	944.6M	989.6M	945.8M	932.9M	989.2M	1B	1B	940M
NON-CURRENT LIABILITIES
Long Term Debt	213M	238.5M	235M	85M	101M	141M	101.1M	126.2M	126.2M	91.3M	91.4M	41.4M	106.5M	126.5M	206.6M	309.6M	456.7M	479.3M	502.8M	546.2M
Other Non-Current Liabilities	15.2M	15.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20.4M	29.1M	18.8M	0.0	0.0	0.0
Total Non-Current Liabilities	228.3M	253.9M	235M	85M	101M	141M	101.1M	126.2M	126.2M	91.3M	91.4M	41.4M	106.5M	126.5M	227M	338.7M	475.5M	479.3M	502.8M	546.2M
Capital Lease Obligations	73K	729K	0.0	0.0	0.0	1.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.1B	1.1B	1.2B	1.1B	1.1B	1.1B	964.2M	1.1B	1.1B	1B	1B	959.8M	1.1B	1.1B	1.2B	1.3B	1.5B	1.5B	1.5B	1.5B
SHAREHOLDERS' EQUITY
Treasury Stock	-183.2M	-178.7M	-177.2M	-173M	-168.7M	-166.2M	-164.9M	-165.5M	-158.1M	-149.5M	-136.5M	-125.4M	-108.3M	-99.3M	-92.7M	-93.9M	-93.9M	-94.8M	-90.7M	-72.5M
Common Stock	183K	183K	183K	183K	183K	181K	181K	181K	180K	178K	177K	177K	177K	176K	176K	176K	124K	124K	124K	124K
Additional Paid-In Capital	99.1M	98.5M	99.5M	98.8M	98M	95.6M	94.4M	95M	93.2M	90.8M	88.9M	88.3M	87.7M	86.8M	85.4M	85.7M	72.7M	75.2M	69.5M	66.8M
Retained Earnings	212.4M	209.9M	207.3M	202.7M	197.7M	194.3M	190.8M	190.6M	192.8M	191.7M	188.2M	182.5M	179.8M	156.6M	148.1M	135.4M	134.6M	143.1M	149.5M	142.9M
Accumulated Other Comprehensive Income/Loss	17K	-3K	-38K	2K	72K	104K	161K	210K	229K	313K	331K	386K	554K	626K	638K	464K	1.4M	437K	518K	-1.1M
Total Stockholders' Equity	128.5M	129.9M	129.7M	128.7M	127.3M	124M	120.6M	120.5M	128.2M	133.5M	141.1M	145.9M	160M	144.8M	141.7M	127.7M	114.9M	124M	128.9M	136.2M
Total Equity	128.5M	129.9M	129.7M	128.7M	127.3M	124M	120.6M	120.5M	128.2M	133.5M	141.1M	145.9M	160M	144.8M	141.7M	127.7M	114.9M	124M	128.9M	136.2M
SUMMARY
Total Liabilities & Equity	1.2B	1.3B	1.3B	1.2B	1.2B	1.2B	1.1B	1.2B	1.2B	1.2B	1.2B	1.1B	1.2B	1.3B	1.3B	1.4B	1.6B	1.6B	1.6B	1.6B
Total Investments	1.2B	1.2B	1.2B	1.1B	1.1B	1B	980M	1.1B	1.1B	1.1B	1.1B	948.2M	956M	1.1B	1.1B	1.2B	1.4B	1.5B	1.5B	1.4B
Total Debt	213.1M	238.5M	235M	85M	101M	141M	101.1M	126.2M	126.2M	91.3M	91.4M	41.4M	106.5M	126.5M	206.6M	309.6M	456.7M	479.3M	502.8M	546.2M
Net Debt	160M	187.1M	169.2M	61.6M	30.7M	25M	30.5M	82.9M	53.4M	40.1M	10M	-77.5M	-87.3M	-18.6M	64M	213.4M	399.8M	464.2M	490M	529.9M
Shares Outstanding	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060	6,636,060

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	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 17, 2026	April 13, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 22, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 21, 2025	November 20, 2025	2025	View Filing

Showing 1 to 10 of 533 filings

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