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Provident Financial Holdings, Inc. PROV Q4 2026 Annual earnings

Reported July 28, 2026 · Before market open

Revenue$10.6MBeat by $594.0K
EPS$0.35Beat by $0.06
Revenue estimate$10.0M
EPS estimate$0.29
“We are well positioned to further strengthen our fundamentals in fiscal 2027, supported by our disciplined credit culture, strong capital position, and a more favorable interest rate environment”
Donavon P. Ternes

Next report

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

Financials

Q4 2026

Income statement

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Revenue$10.6M+8.5%
Net income$2.2M+34.3%
EPS (diluted)$0.35+40.0%

Balance sheet

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Cash & equivalents$49.2M-7.3%
Total debt$159.2M-57.9%
Total equity$126.2M-1.8%
Total assets$1.2B-3.0%

Cash flow

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Operating cash flow$3.4M+35.7%
CapEx$56.0K-82.1%
Free cash flow$3.3M+52.7%

Valuation & ratios

Valuation

as of 09/17/26
See full
Market cap$115.33M+12.7%
Enterprise value$225.31M-47.2%
P/E17.3×+1.0×
P/S2.9×+0.3×

Profitability

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Net margin16.6%+0.6pp
FCF margin21.3%+0.4pp

Returns & leverage

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Return on equity5.2%+0.4pp
Debt / equity1.3×-1.7×

Segments

By product

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Debit Card$335.0K-5.4%
Deposit Account$258.0K+0.8%

FAQ

When did Provident Financial Holdings, Inc. report Q4 2026 earnings?
Provident Financial Holdings, Inc. (PROV) reported Q4 2026 earnings on July 28, 2026 before market open.
What were Provident Financial Holdings, Inc.'s Q4 2026 revenue and EPS?
Provident Financial Holdings, Inc. reported revenue of $10.6M and eps of $0.35 for Q4 2026.
Did Provident Financial Holdings, Inc. beat estimates in Q4 2026?
Revenue beat the consensus estimate of $10.0M by $594.0K. EPS beat the consensus estimate of $0.29 by $0.06.
How did Provident Financial Holdings, Inc.'s Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.5% from $9.8M a year earlier and eps grew 45.8% from $0.24.
Where can I find Provident Financial Holdings, Inc.'s Q4 2026 SEC filings?
You can read the 8-K earnings release (0000939057-26-000143) and the 10-K periodic report (0001010470-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.