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Provident Financial Holdings PROV Q3 2025 earnings

Reported April 28, 2025 · Before market open

Revenue$10.1MBeat by $59.0K
EPS$0.28Beat by $0.04
Revenue estimate$10.1M
EPS estimate$0.24

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$9.9M
EPS estimate$0.28

Financials

Q3 2025

Income statement

See full
Revenue$10.1M+7.6%
Net income$1.9M+24.2%
EPS (diluted)$0.28+27.3%

Balance sheet

See full
Cash & equivalents$50.9M-1.6%
Total debt$1.9M+19.0%
Total equity$128.9M-0.5%
Total assets$1.3B-2.3%

Cash flow

See full
Operating cash flow$3.3M+11.4%
CapEx$29.0K-92.7%
Free cash flow$3.3M+27.2%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$97.62M+5.4%
Enterprise value$48.62M+14.5%
P/E14.8×+2.0×
P/S2.5×+0.1×

Profitability

See full
Net margin16.8%-1.5pp

Returns & leverage

See full
Return on equity5.1%-0.5pp
Debt / equity0×0.0×

Segments

By product

See full
Debit Card$291.0K-8.2%
Deposit Account$276.0K-4.5%

Versus estimates

Revenue

Q4 2026$10.6MBeat by $594.0KQ3 2026$9.9MMiss by $224.0KQ2 2026$9.8MMiss by $259.0KQ1 2026$9.7MMiss by $757.0KQ4 2025$9.8MMiss by $738.0K
Q3 2025$10.1MBeat by $59.0K

Diluted EPS

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

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Questions, answered.

When did Provident Financial Holdings report Q3 2025 earnings?
Provident Financial Holdings (PROV) reported Q3 2025 earnings on April 28, 2025 before market open.
What were Provident Financial Holdings's Q3 2025 revenue and EPS?
Provident Financial Holdings reported revenue of $10.1M and eps of $0.28 for Q3 2025.
Did Provident Financial Holdings beat estimates in Q3 2025?
Revenue beat the consensus estimate of $10.1M by $59.0K. EPS beat the consensus estimate of $0.24 by $0.04.
How did Provident Financial Holdings's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.6% from $9.4M a year earlier and eps grew 27.3% from $0.22.
Where can I find Provident Financial Holdings's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000939057-25-000131) directly on SEC EDGAR. The filing index links above go to sec.gov.