PROV

MKT CAP:$109M

Provident Financial Holdings, Inc.

Market Cap

$109M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$17.06+$1.08 (+6.76%)

Apr 24, 2026

Company Details

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...

CEO

Donavon Ternes

IPO Date

Jun 28, 1996

Website

www.myprovident.com

Key Metrics TTM

Revenue

$60M

+0.4% YoY

Net Income

$7M

EPS (Diluted)

$0.99

Free Cash Flow

$9M

Revenue / Share

$9.21

Gross Margin

67.8%

Operating Margin

16.2%

Net Margin

11.0%

FCF Margin

15.3%

P/S

1.8x

P/E

16.5x

Earnings Reports

Q3 2026

Apr 27, 2026

PENDING

Q2 2026

Feb 6, 2026

$15M+0.0%EPS $0.22

Q1 2026

Nov 7, 2025

$15M-0.1%EPS $0.25

FY 2025

Aug 29, 2025

$60M+2.5%EPS $0.93

Q4 2025

Aug 29, 2025

$15M-2.6%EPS $0.24

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q3 22	$9M	$9M	$2M
Q4 22	$10M	$10M	$4M
Q1 23	$11M	$10M	$3M
Q2 23	$12M	$10M	$3M
Q3 23	$13M	$10M	$3M
Q4 23	$14M	$10M	$3M
Q1 24	$14M	$9M	$2M
Q2 24	$15M	$10M	$3M
Q3 24	$15M	$9M	$2M
Q4 24	$15M	$10M	$3M
Q1 25	$15M	$10M	$3M
Q2 25	$15M	$9M	$1M
Q3 25	$15M	$11M	$3M
Q4 25	$15M	$10M	$2M
Q1 26	$15M	$10M	$3M
Q2 26	$15M	$10M	$2M

Valuation

Quarter	P/S	P/E
Q3 22	3.2x	12.2x
Q4 22	2.7x	11.6x
Q1 23	2.5x	12.1x
Q2 23	2.4x	11.8x
Q3 23	2.0x	10.3x
Q4 23	1.8x	10.5x
Q1 24	1.7x	11.0x
Q2 24	1.6x	11.1x
Q3 24	1.6x	13.0x
Q4 24	1.4x	11.4x
Q1 25	1.6x	12.9x
Q2 25	1.8x	17.1x
Q3 25	1.6x	14.6x
Q4 25	1.7x	16.0x
Q1 26	1.7x	16.9x
Q2 26	1.7x	15.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 22	$2M	$2M
Q4 22	$4M	$4M
Q1 23	$2M	$2M
Q2 23	$3M	$3M
Q3 23	$7M	$6M
Q4 23	$4M	$4M
Q1 24	$3M	$3M
Q2 24	$94.0K	-$442.0K
Q3 24	$3M	$3M
Q4 24	-$756.0K	-$850.0K
Q1 25	$3M	$2M
Q2 25	$324.0K	$307.0K
Q3 25	$3M	$3M
Q4 25	$2M	$2M
Q1 26	$2M	$2M
Q2 26	$1M	$1M

Capital Expenditures

Quarter	CapEx
Q3 22	$90.0K
Q4 22	$52.0K
Q1 23	$212.0K
Q2 23	$367.0K
Q3 23	$151.0K
Q4 23	$11.0K
Q1 24	$564.0K
Q2 24	$536.0K
Q3 24	$395.0K
Q4 24	$94.0K
Q1 25	$171.0K
Q2 25	$17.0K
Q3 25	$29.0K
Q4 25	$313.0K
Q1 26	$44.0K
Q2 26	$44.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q3 22	-2.7%	-9.2%
Q4 22	+8.3%	+31.8%
Q1 23	+11.1%	+28.4%
Q2 23	+22.8%	+31.4%
Q3 23	+38.6%	+39.1%
Q4 23	+35.4%	+66.5%
Q1 24	+29.3%	+46.1%
Q2 24	+19.9%	+31.2%
Q3 24	+12.8%	+29.3%
Q4 24	+9.5%	+12.4%
Q1 25	+6.3%	+5.9%
Q2 25	+2.2%	+18.5%
Q3 25	+4.6%	+1.1%
Q4 25	-2.6%	+0.4%
Q1 26	-0.1%	-0.5%
Q2 26	+0.0%	-6.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 22	$190.0K	2.0%
Q4 22	$191.0K	1.8%
Q1 23	$212.0K	1.9%
Q2 23	$227.0K	1.9%
Q3 23	$221.0K	1.7%
Q4 23	$525.0K	3.7%
Q1 24	$49.0K	0.3%
Q2 24	$74.0K	0.5%
Q3 24	$41.0K	0.3%
Q4 24	$76.0K	0.5%
Q1 25	$173.0K	1.2%
Q2 25	$127.0K	0.9%
Q3 25	$123.0K	0.8%
Q4 25	$120.0K	0.8%
Q1 26	$123.0K	0.8%
Q2 26	$128.0K	0.9%

OpEx Breakdown

Quarter	G&A	S&M
Q3 22	$4M	$186.0K
Q4 22	$4M	$165.0K
Q1 23	$4M	$147.0K
Q2 23	$5M	$175.0K
Q3 23	$5M	$182.0K
Q4 23	$5M	$118.0K
Q1 24	$4M	$168.0K
Q2 24	$5M	$181.0K
Q3 24	$5M	$167.0K
Q4 24	$5M	$193.0K
Q1 25	$5M	$173.0K
Q2 25	$5M	$187.0K
Q3 25	$5M	$181.0K
Q4 25	$5M	$173.0K
Q1 26	$5M	$148.0K
Q2 26	$6M	$158.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q3 22	$60M	$3M	$63M
Q4 22	$23M	$3M	$26M
Q1 23	$39M	$3M	$41M
Q2 23	$25M	$2M	$27M
Q3 23	$61M	$2M	$63M
Q4 23	$66M	$2M	$68M
Q1 24	$58M	$2M	$60M
Q2 24	$47M	$2M	$49M
Q3 24	$52M	$2M	$54M
Q4 24	$51M	$2M	$53M
Q1 25	$48M	$2M	$50M
Q2 25	$46M	$2M	$47M
Q3 25	$51M	$183.0K	$51M
Q4 25	$53M	$69.0K	$53M
Q1 26	$49M	$250.0K	$50M
Q2 26	$54M	$99M	$153M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q3 22	7M	-0.9%	-2.2%
Q4 22	7M	-1.2%	-3.5%
Q1 23	7M	-0.2%	-3.5%
Q2 23	7M	-1.0%	-3.3%
Q3 23	7M	-1.3%	-3.6%
Q4 23	7M	-1.0%	-3.4%
Q1 24	7M	-0.6%	-3.9%
Q2 24	7M	-0.7%	-3.5%
Q3 24	7M	-0.7%	-3.0%
Q4 24	7M	-0.6%	-2.5%
Q1 25	7M	-0.4%	-2.3%
Q2 25	7M	-1.0%	-2.7%
Q3 25	7M	-0.9%	-2.9%
Q4 25	7M	-1.2%	-3.5%
Q1 26	7M	+1.1%	-2.0%
Q2 26	7M	-2.9%	-3.9%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q3 22	$58.2K	161
Q4 22	$64.1K	162
Q1 23	$67.3K	162
Q2 23	$74.9K	162
Q3 23	$80.2K	162
Q4 23	$87.3K	161
Q1 24	$87.5K	161
Q2 24	$90.3K	161
Q3 24	$91.0K	161
Q4 24	$96.1K	160
Q1 25	$93.6K	160
Q2 25	$92.9K	160
Q3 25	$95.8K	160
Q4 25	$91.9K	163
Q1 26	$91.8K	163
Q2 26	$91.2K	163

Revenue / Employee