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Provident Financial Holdings, Inc. PROV Q2 2026 earnings

Reported January 26, 2026 · Before market open

Revenue$9.8MMiss by $259.0K
EPS$0.22Miss by $0.08
Revenue estimate$10.1M
EPS estimate$0.30

Next report

Oct 27, 2026 (in a month)
Revenue estimate$10.3M
EPS estimate$0.32

Financials

Q2 2026

Income statement

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Revenue$9.8M+2.5%
Net income$1.4M+64.7%
EPS (diluted)$0.22+69.2%

Balance sheet

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Cash & equivalents$54.4M+19.4%
Total debt$215.5M+11,807%
Total equity$127.5M-0.9%
Total assets$1.2B-2.2%

Cash flow

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Operating cash flow$1.2M+276%
CapEx$187.0K+1,000%
Free cash flow$1.0M+236%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$103M-4.3%
Enterprise value$264.16M+314%
P/E15.6×-1.7×
P/S2.6×-0.2×

Profitability

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Net margin16.7%+0.5pp
FCF margin22.7%—

Returns & leverage

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Return on equity5.2%+0.3pp
Debt / equity1.7×+1.7×

Segments

By product

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Debit Card$286.0K-4.7%
Deposit Account$273.0K-3.2%

FAQ

When did Provident Financial Holdings, Inc. report Q2 2026 earnings?
Provident Financial Holdings, Inc. (PROV) reported Q2 2026 earnings on January 26, 2026 before market open.
What were Provident Financial Holdings, Inc.'s Q2 2026 revenue and EPS?
Provident Financial Holdings, Inc. reported revenue of $9.8M and eps of $0.22 for Q2 2026.
Did Provident Financial Holdings, Inc. beat estimates in Q2 2026?
Revenue missed the consensus estimate of $10.1M by $259.0K. EPS missed the consensus estimate of $0.30 by $0.08.
How did Provident Financial Holdings, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.5% from $9.6M a year earlier and eps grew 69.2% from $0.13.
Where can I find Provident Financial Holdings, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0000939057-26-000014) and the 10-Q periodic report (0001010470-26-000003) directly on SEC EDGAR. The filing index links above go to sec.gov.