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Provident Financial Holdings 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 3 months)
Revenue estimate$9.9M
EPS estimate$0.28

Financials

Q2 2026

Income statement

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

Balance sheet

See full
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

See full
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
See full
Market cap$103M-4.3%
Enterprise value$264.16M+314%
P/E15.6×-1.7×
P/S2.6×-0.2×

Profitability

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

Returns & leverage

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

Segments

By product

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

Versus estimates

Revenue

Q4 2026$10.6MBeat by $594.0KQ3 2026$9.9MMiss by $224.0K
Q2 2026$9.8MMiss by $259.0K
Q1 2026$9.7MMiss by $757.0KQ4 2025$9.8MMiss by $738.0KQ3 2025$10.1MBeat by $59.0K

Diluted EPS

Q4 2026$0.35Beat by $0.06Q3 2026$0.21Miss by $0.08
Q2 2026$0.22Miss by $0.08
Q1 2026$0.25Miss by $0.04Q4 2025$0.24Miss by $0.05Q3 2025$0.28Beat by $0.04

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Questions, answered.

When did Provident Financial Holdings report Q2 2026 earnings?
Provident Financial Holdings (PROV) reported Q2 2026 earnings on January 26, 2026 before market open.
What were Provident Financial Holdings's Q2 2026 revenue and EPS?
Provident Financial Holdings reported revenue of $9.8M and eps of $0.22 for Q2 2026.
Did Provident Financial Holdings 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'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'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.