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Provident Financial Holdings, Inc. PROV Q4 2025 Annual earnings

Reported July 28, 2025 · Before market open

Revenue$9.8MMiss by $738.0K
EPS$0.24Miss by $0.05
Revenue estimate$10.5M
EPS estimate$0.29

Next report

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

Financials

Q4 2025

Income statement

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Revenue$9.8M-1.6%
Net income$1.6M-16.7%
EPS (diluted)$0.25-13.8%

Balance sheet

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Cash & equivalents$53.1M+3.3%
Total debt$377.8M-2.0%
Total equity$128.5M-1.1%
Total assets$1.2B-2.1%

Cash flow

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Operating cash flow$2.5M—
CapEx$313.0K+233%
Free cash flow$2.2M—

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$103.55M+19.7%
Enterprise value$428.29M+1.8%
P/E16.6×+4.8×
P/S2.7×+0.4×

Profitability

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Net margin16%-2.9pp
FCF margin20.9%—

Returns & leverage

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Return on equity4.8%-0.8pp
Debt / equity2.9×0.0×

Segments

By product

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Debit Card$354.0K-7.1%
Deposit Account$256.0K-7.9%

FAQ

When did Provident Financial Holdings, Inc. report Q4 2025 earnings?
Provident Financial Holdings, Inc. (PROV) reported Q4 2025 earnings on July 28, 2025 before market open.
What were Provident Financial Holdings, Inc.'s Q4 2025 revenue and EPS?
Provident Financial Holdings, Inc. reported revenue of $9.8M and eps of $0.24 for Q4 2025.
Did Provident Financial Holdings, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $10.5M by $738.0K. EPS missed the consensus estimate of $0.29 by $0.05.
How did Provident Financial Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.6% from $9.9M a year earlier and eps declined 14.3% from $0.28.
Where can I find Provident Financial Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000939057-25-000180) and the 10-K periodic report (0000939057-25-000242) directly on SEC EDGAR. The filing index links above go to sec.gov.