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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Provident Financial Holdings, Inc. Cash Flow Statement
PROV • NASDAQ
| Provident Financial Holdings, Inc. Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
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 | |
3.5M | 3.2M | 3.2M | 4.8M | 6.3M | 3.4M | 3.1M | 3.1M | 2.6M | 1.9M | 1.9M | 1.7M | 1.7M | 1.4M | 1.4M | 1.5M | 2M | 2.4M | 2.2M | 3.2M | |
1.4M | -58K | 1.2M | 1.1M | 481K | 552K | 650K | 165K | 1.2M | 217K | 35K | -1M | 4.3M | 1.3M | 3.9M | 2.5M | -10.8M | -5.5M | 164K | -2M | |
543K | 240K | 1.2M | 798K | 1.3M | 954K | 869K | 1.1M | 1.5M | 1.1M | 1.5M | 526K | 768K | 1.3M | 1.3M | 1M | 1.1M | 0.0 | 0.0 | 0.0 | |
-856K | -603K | 374K | -2.5M | -708K | 1.1M | 95.4M | 20.2M | 71.6M | 37.4M | -72.1M | 42.7M | 18.8M | -32.1M | -22M | 8.4M | 28.5M | 14.1M | -6.6M | -21M | |
(1.9M) | (3.1M) | (2.7M) | (2.7M) | (3.3M) | (775K) | (1.6M) | (2.8M) | (3M) | (3.8M) | (5.7M) | (6.2M) | (15.2M) | (5.1M) | (8.4M) | (4M) | (4.6M) | (0.0) | (0.0) | (0.0) | |
-2.2M | -4.4M | 1.8M | -1.6M | -3.3M | -5.8M | 2.6M | 1.4M | 1.9M | -285K | 1.2M | -2M | 3.6M | 5.1M | -260K | -13.6M | -99.1M | 36.2M | 41.5M | 59M | |
8.7M | 5.7M | 16.3M | 11.8M | 11.6M | 8M | 107.1M | 28M | 83.4M | 47.7M | -57.8M | 48.5M | 55.1M | -12.3M | -2.4M | 969K | -85.8M | 48.1M | 48.6M | 59.7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-530K | -1.6M | -741K | -165K | -225K | -229K | -449K | -2.9M | -1.5M | -1.5M | -376K | -715K | -1.1M | -2.6M | -879K | -395K | -797K | -395K | -1.2M | -688K | |
-981K | (0.0) | (0.0) | -19.1M | -159M | -56.3M | -40.7M | -54.1M | -35.3M | -41.7M | -450K | -800K | (0.0) | (0.0) | (0.0) | (0.0) | -8.2M | -78.9M | -155.6M | (0.0) | |
21.5M | 24.1M | 31.1M | 55.9M | 53.4M | 32.7M | 35M | 27.4M | 16.2M | 4.8M | 2.5M | 2.9M | 3.3M | 3.3M | 8.8M | 90.4M | 38.4M | 90M | 84.6M | 54.5M | |
6.4M | 22.5M | -140.2M | -88.4M | 49.9M | -25.1M | 23.4M | 2.3M | -64M | -25.6M | -41.7M | -13.5M | 61.2M | 86.8M | 131.5M | 140.1M | 145.9M | -36.1M | 4.8M | -98.4M | |
(26.5M) | (45.1M) | -109.9M | -51.7M | -55.9M | -48.9M | (17.3M) | -27.3M | -84.5M | -63.9M | -40M | -12.1M | (63.4M) | (88.4M) | (139.4M) | (230.1M) | (175.2M) | -25.4M | -67.4M | -44.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-4.4M | -2.6M | -4.6M | -4.3M | -2.3M | -1.3M | -1.4M | -7.3M | -8.7M | -13M | -12.7M | -17.2M | -9M | -6.7M | 0.0 | 11.9M | 0.0 | -4M | -17.7M | -7.5M | |
-25.5M | 3.5M | 150M | -16M | -40.1M | 39.9M | -25.1M | -63K | 34.9M | -68K | 49.9M | -65.1M | -20.1M | -80.1M | -103M | -147M | -22.6M | -23.4M | -43.4M | -14.6M | |
-3.8M | -3.9M | -4M | -4.1M | -4.2M | -4.2M | -4.2M | -4.2M | -4.1M | -4M | -4.1M | -4M | -2.5M | -1.6M | -456K | -352K | -994K | -4M | -4.6M | -4.1M | |
-4.4M | -2.6M | -4.6M | -4.3M | -2.3M | -1.3M | -1.4M | -7.3M | -8.7M | -13M | -12.7M | -17.2M | -9M | -6.7M | (0.0) | (0.0) | (0.0) | -4.1M | (0.0) | -10.5M | |
296K | -62.2M | -5.4M | 17.5M | 45.1M | 51.9M | -66.4M | -18.6M | 600K | 3.1M | 27M | -25.1M | -38.2M | 15.7M | 12.8M | -56.3M | -24M | 11M | 81.1M | 1.5M | |
-33.4M | -65.2M | 136M | -6.9M | -1.5M | 86.4M | -97.1M | -30.2M | 22.7M | -14.1M | 60.2M | -111.3M | -69.8M | -72.6M | -90.7M | -191.8M | -47.7M | -20.4M | 15.3M | -24.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
1.7M | -14.5M | 42.4M | -46.9M | -45.8M | 45.4M | 27.3M | -29.5M | 21.6M | -30.2M | -37.5M | -74.9M | 48.7M | 2.6M | 46.3M | 39.3M | 41.8M | 2.3M | -3.5M | -9.5M | |
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 | 25.9M | |
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 | |
8.2M | 4.1M | 15.6M | 11.6M | 11.3M | 7.7M | 106.6M | 25.1M | 81.4M | 46.2M | -58.2M | 47.8M | 54M | -14.9M | -3.3M | 574K | -86.6M | 47.7M | 47.3M | 59M |
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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