PROV
Provident Financial Holdings Inc
NASDAQ: PROV · FINANCIAL SERVICES · BANKS - REGIONAL
$17.16
-0.23% today
Updated 2026-04-30
Market cap
$109.27M
P/E ratio
17.31
P/S ratio
2.68x
EPS (TTM)
$0.99
Dividend yield
3.29%
52W range
$14 – $17
Volume
0.0M
Provident Financial Holdings Inc (PROV) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $112.84M | $118.53M | $100.96M | $106.13M | $92.42M | $93.96M | $94.58M | $119.36M | $69.73M | $80.08M | $76.36M | $73.24M | $64.61M | $56.89M | $46.98M | $39.77M | $39.45M | $41.06M | $58.67M | $60.16M |
| Revenue growth (YoY) | — | +5.0% | -14.8% | +5.1% | -12.9% | +1.7% | +0.7% | +26.2% | -41.6% | +14.8% | -4.6% | -4.1% | -11.8% | -11.9% | -17.4% | -15.3% | -0.8% | +4.1% | +42.9% | +2.5% |
| Cost of revenue | $43.71M | $64.27M | $67.42M | $90.83M | $52.43M | $26.41M | $20.48M | $9.30M | $3.96M | $5.03M | $5.26M | $5.64M | $5.88M | $5.73M | $7.17M | $3.85M | $673000.00 | $9.38M | $19.74M | $20.49M |
| Gross profit | $69.13M | $54.26M | $33.54M | $15.30M | $39.99M | $67.55M | $74.10M | $110.06M | $65.78M | $75.05M | $71.11M | $67.60M | $58.73M | $51.16M | $39.80M | $35.92M | $38.77M | $41.06M | $38.93M | $39.67M |
| Gross margin | 61.3% | 45.8% | 33.2% | 14.4% | 43.3% | 71.9% | 78.3% | 92.2% | 94.3% | 93.7% | 93.1% | 92.3% | 90.9% | 89.9% | 84.7% | 90.3% | 98.3% | 100.0% | 66.3% | 65.9% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $20.48M | $22.03M | $18.99M | $19.56M | $26.99M | $32.58M | $40.58M | $51.52M | $38.99M | $42.59M | $43.63M | $42.52M | $35.57M | $30.74M | $19.14M | $15.71M | $16.38M | $18.39M | $18.42M | $19.75M |
| Operating income | $36.22M | $20.41M | $3.23M | $-14.68M | $1.85M | $23.27M | $18.74M | $42.71M | $11.61M | $17.08M | $12.85M | $8.82M | $5.53M | $5.92M | $10.90M | $10.19M | $12.86M | $12.42M | $10.39M | $8.87M |
| Operating margin | 32.1% | 17.2% | 3.2% | -13.8% | 2.0% | 24.8% | 19.8% | 35.8% | 16.6% | 21.3% | 16.8% | 12.0% | 8.6% | 10.4% | 23.2% | 25.6% | 32.6% | 30.2% | 17.7% | 14.8% |
| EBITDA | $39.41M | $22.62M | $5.59M | $-12.65M | $3.39M | $24.69M | $20.09M | $44.46M | $13.27M | $18.94M | $14.76M | $11.46M | $8.66M | $8.99M | $14.29M | $16.45M | $17.71M | $15.60M | $13.54M | $12.36M |
| EBITDA margin | 34.9% | 19.1% | 5.5% | -11.9% | 3.7% | 26.3% | 21.2% | 37.2% | 19.0% | 23.6% | 19.3% | 15.6% | 13.4% | 15.8% | 30.4% | 41.4% | 44.9% | 38.0% | 23.1% | 20.5% |
| EBIT | $36.22M | $20.41M | $3.23M | $-14.68M | $1.85M | $23.27M | $18.74M | $42.71M | $11.61M | $17.08M | $12.85M | $8.82M | $5.53M | $5.92M | $10.90M | $10.19M | $12.86M | $12.42M | $10.39M | $8.87M |
| Interest expense | $42.57M | $59.19M | $54.31M | $42.16M | $30.59M | $20.94M | $14.71M | $10.80M | $7.34M | $6.42M | $6.97M | $6.68M | $6.41M | $6.21M | $6.05M | $4.56M | $3.13M | $9.01M | $19.81M | $21.16M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% | 0.0% | 0.0% |
| Net income | $20.54M | $11.29M | $860000.00 | $-7.44M | $1.11M | $13.22M | $10.81M | $25.80M | $6.61M | $9.80M | $7.47M | $5.21M | $2.13M | $4.42M | $7.69M | $7.56M | $9.09M | $8.59M | $7.35M | $6.25M |
| Net income growth (YoY) | — | -45.1% | -92.4% | -965.0% | +115.0% | +1085.7% | -18.2% | +138.6% | -74.4% | +48.4% | -23.8% | -30.3% | -59.1% | +107.3% | +74.1% | -1.7% | +20.3% | -5.5% | -14.4% | -14.9% |
| Profit margin | 18.2% | 9.5% | 0.9% | -7.0% | 1.2% | 14.1% | 11.4% | 21.6% | 9.5% | 12.2% | 9.8% | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 20.9% | 12.5% | 10.4% |