PROVIDENT FINANCIAL HOLDINGS, INC. financials
Source: EDGAR filings · Built 2026-10-10T00:11:08Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 8.51M | 8.14M | 4.10M | 15.58M | 11.63M | 11.35M |
| Net Debt | 109.94M | 161.66M | 188.53M | 92.81M | 167.00M | 158.81M |
| Return on Equity (ROE) | 5.27% | 4.87% | 5.66% | 6.63% | 7.07% | 5.94% |
| Return on Assets (ROA) | 0.55% | 0.50% | 0.58% | 0.64% | 0.77% | 0.64% |
| Debt-to-Equity | 1.26× | 1.67× | 1.85× | 1.22× | 1.48× | 1.80× |
| Effective Tax Rate | 30.94% | 29.51% | 29.23% | 30.80% | 29.28% | 25.78% |
| Cash Conversion Ratio | 1.35× | 1.39× | 0.77× | 1.90× | 1.30× | 1.53× |
| Accruals Ratio | -0.00× | -0.00× | 0.00× | -0.01× | -0.00× | -0.00× |
| CapEx Coverage | 19.54× | 16.05× | 3.58× | 22.03× | 71.47× | 51.44× |
| Free Cash Flow Per Share | $1.31 | $1.20 | $0.59 | $2.17 | $1.56 | $1.51 |
Income Statement
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 2.98M | 2.62M | 3.04M | 3.82M | 3.77M | 2.63M |
| Net Income (Loss) Attributable to Parent | 6.66M | 6.25M | 7.35M | 8.59M | 9.09M | 7.56M |
| Earnings Per Share, Basic | $1.04 | $0.93 | $1.06 | $1.20 | $1.23 | $1.01 |
| Weighted Average Number of Shares Outstanding, Basic | 6.42M | 6.72M | 6.94M | 7.14M | 7.40M | 7.46M |
| Earnings Per Share, Diluted | $1.03 | $0.93 | $1.06 | $1.19 | $1.22 | $1.00 |
| Weighted Average Number of Shares Outstanding, Diluted | 6.48M | 6.76M | 6.96M | 7.19M | 7.45M | 7.54M |
Balance Sheet
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 49.21M | 53.09M | 51.38M | 65.85M | 23.41M | 70.27M |
| Assets | 1.21B | 1.25B | 1.27B | 1.33B | 1.19B | 1.18B |
| Liabilities | 1.08B | 1.12B | 1.14B | 1.20B | 1.06B | 1.06B |
| Stockholders' Equity Attributable to Parent | 126.22M | 128.54M | 129.94M | 129.69M | 128.65M | 127.28M |
| Common Stock, Shares, Outstanding | 6.26M | 6.58M | 6.85M | 7.04M | 7.29M | 7.54M |
Cash Flow Statement
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 8.97M | 8.69M | 5.68M | 16.32M | 11.79M | 11.57M |
| Payments to Acquire Property, Plant, and Equipment | 432.00K | 530.00K | 1.59M | 741.00K | 165.00K | 225.00K |
| Net Cash Provided by (Used in) Investing Activities | 31.50M | 26.46M | 45.06M | -109.90M | -51.75M | -55.87M |
| Payments for Repurchase of Common Stock | 5.98M | 4.45M | 2.60M | 4.65M | 4.30M | 2.34M |
| Payments of Dividends | 3.59M | 3.77M | 3.89M | 4.00M | 4.15M | 4.17M |
| Net Cash Provided by (Used in) Financing Activities | -44.35M | -33.43M | -65.22M | 136.01M | -6.90M | -1.47M |
Derived Metrics
| Concept | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 3.30M | 5.21M | 3.47M | 2.44M | 2.16M | 5.98M |
| Net Debt | 109.94M | 129.18M | 161.09M | 165.18M | 161.66M | 66.30M |
| Return on Equity (ROE) | 1.73% | 1.07% | 1.13% | 1.31% | 1.26% | 1.44% |
| Return on Assets (ROA) | 0.18% | 0.11% | 0.12% | 0.14% | 0.13% | 0.15% |
| Debt-to-Equity | 1.26× | 1.47× | 1.69× | 1.67× | 1.67× | 0.91× |
| Effective Tax Rate | 25.71% | 29.15% | 29.95% | 38.54% | 29.49% | 30.03% |
| Cash Conversion Ratio | 1.54× | 4.14× | 2.59× | 1.48× | 1.53× | 3.34× |
| Accruals Ratio | -0.00× | -0.00× | -0.00× | -0.00× | -0.00× | -0.00× |
| CapEx Coverage | 53.41× | 14.15× | 15.23× | 48.94× | 7.75× | 28.08× |
| Free Cash Flow Per Share | $0.51 | $0.81 | $0.53 | $0.37 | $0.32 | $0.89 |
Income Statement
| Concept | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 756.00K | 557.00K | 614.00K | 1.05M | 680.00K | 797.00K |
| Net Income (Loss) Attributable to Parent | 2.18M | 1.35M | 1.44M | 1.68M | 1.63M | 1.86M |
| Earnings Per Share, Basic | $0.35 | $0.21 | $0.22 | $0.26 | $0.24 | $0.28 |
| Weighted Average Number of Shares Outstanding, Basic | 6.42M | 6.37M | 6.46M | 6.57M | 6.72M | 6.68M |
| Earnings Per Share, Diluted | $0.35 | $0.21 | $0.22 | $0.25 | $0.25 | $0.28 |
| Weighted Average Number of Shares Outstanding, Diluted | 6.48M | 6.45M | 6.53M | 6.63M | 6.76M | 6.73M |
Balance Sheet
| Concept | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 49.21M | 57.13M | 54.37M | 49.41M | 53.09M | 50.91M |
| Assets | 1.21B | 1.22B | 1.23B | 1.23B | 1.25B | 1.26B |
| Liabilities | 1.08B | 1.09B | 1.10B | 1.10B | 1.12B | 1.13B |
| Stockholders' Equity Attributable to Parent | 126.22M | 126.57M | 127.49M | 128.37M | 128.54M | 128.88M |
| Common Stock, Shares, Outstanding | 6.26M | 6.32M | 6.41M | 6.51M | 6.58M | 6.65M |
Cash Flow Statement
| Concept | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 3.37M | 5.61M | 3.71M | 2.50M | 2.48M | 6.21M |
| Payments to Acquire Property, Plant, and Equipment | 56.00K | 376.00K | 231.00K | 44.00K | 313.00K | 217.00K |
| Net Cash Provided by (Used in) Investing Activities | 1.35M | 30.15M | 18.34M | 9.74M | 16.83M | 9.63M |
| Payments for Repurchase of Common Stock | 1.89M | 4.09M | 2.60M | 1.06M | 1.15M | 3.29M |
| Payments of Dividends | 874.00K | 2.72M | 1.83M | 921.00K | 924.00K | 2.84M |
| Net Cash Provided by (Used in) Financing Activities | -12.63M | -31.72M | -20.77M | -15.92M | -17.13M | -16.30M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (PROV CIK 0001010470),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.