Provident Financial Holdings Inc
NASDAQ: PROV · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-09-11
Provident Financial Holdings Inc (PROV) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $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 | $59.62M |
| Revenue growth (YoY) | — | -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% | -0.9% |
| Cost of revenue | $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 | $19.01M |
| Gross profit | $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 | $40.61M |
| Gross margin | 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% | 68.1% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| SG&A | $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 | $24.58M |
| Operating income | $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 | $9.64M |
| Operating margin | 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% | 16.2% |
| EBITDA | $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 | $9.64M |
| EBITDA margin | 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% | 16.2% |
| EBIT | $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 | $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 | $19.56M |
| 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 | $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 | $6.66M |
| Net income growth (YoY) | — | -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% | +6.4% |
| Profit margin | 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% | 11.2% |
Frequently asked questions
What is Provident Financial Holdings Inc's revenue?
Provident Financial Holdings Inc's trailing twelve-month revenue is $40.61M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is PROV?
In its most recent fiscal year, PROV ran a gross margin of 68.12%, an operating margin of 16.16%, and a net margin of 11.16%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
Is PROV's balance sheet healthy?
PROV holds $49.21M in cash and equivalents against — in long-term debt, on $126.22M of shareholder equity. That debt is best read against the cash flow the business throws off each year.