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Provident Financial Holdings PROV Deposit Liabilities Reclassified as Loans Receivable

Deposit Liabilities Reclassified as Loans Receivable at other companies

FRA
Franklin Financial Services CorporationFRAF
$144K+5.9%

Other financials

Income statement

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Revenue$9.9M-2.4%
Net income$1.4M-27.1%
EPS (diluted)$0.21-25.0%

Balance sheet

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Cash & equivalents$57.1M+12.2%
Total debt$186.4M+9,616%
Total equity$126.6M-1.8%
Total assets$1.2B-3.4%

Cash flow

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Operating cash flow$1.9M-43.1%
CapEx$145.0K+400%
Free cash flow$1.7M-47.0%

Valuation

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Market cap$107.56M+4.9%
Enterprise value$236.8M-44.6%
P/E17.6×+1.2×
P/S2.7×+0.1×

Profitability

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Net margin15.5%-1.3pp
FCF margin18.9%

Returns & leverage

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Return on equity4.8%-0.3pp
Debt / equity1.5×+1.5×

Where this comes from

Reported directly by Provident Financial Holdings in its filing.

Tagged under the XBRL concept us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1.

The official record: Provident Financial Holdings’s 10-K, filed August 29, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Provident Financial Holdings's deposit liabilities reclassified as loans receivable?
Provident Financial Holdings (PROV) reported deposit liabilities reclassified as loans receivable of $17K in Q2 2025.
What is the long-term trend for Provident Financial Holdings's deposit liabilities reclassified as loans receivable?
Over 3 years (2022 to 2025), Provident Financial Holdings's deposit liabilities reclassified as loans receivable has grown at a -19.0% compound annual growth rate (CAGR), from $32K to $17K.
What does deposit liabilities reclassified as loans receivable mean?
This represents deposit liabilities that have been legally or contractually reclassified as loans receivable due to specific regulatory or operational conditions. This reclassification often occurs when deposit accounts are utilized as collateral or subject to specific set-off agreements that alter their classification under accounting standards. Tracking this helps analysts understand the true nature of the bank's liability structure and potential liquidity constraints.