What is Provident Financial Holdings's free cash flow margin?

Provident Financial Holdings (PROV) reported free cash flow margin of 18.9% in Q1 2026.

What is the long-term trend for Provident Financial Holdings's free cash flow margin?

Over 3 years (2021 to 2025), Provident Financial Holdings's free cash flow margin has grown at a -13.4% compound annual growth rate (CAGR), from 32.2% to 20.9%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Provident Financial Holdings PROV Free cash flow margin

Free cash flow margin at other companies

Provident Financial ServicesPFS

47.8%-11.9pp

Citizens Financial Services, Inc.CZFS

37%+8.8pp

National BanksharesNKSH

28.6%+19.7pp

Blue Ridge BanksharesBRBS

34.7%+31.8pp

Greene County BancorpGCBC

41.3%+5.9pp

Midland States BancorpMSBI

37%-5.4pp

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+4.8%

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

Returns & leverage

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Return on equity4.8%-0.3pp

Debt / equity1.5×+1.5×

Where this comes from

Calculated from Provident Financial Holdings’s reported figures.

free cash flow/total revenue=18.9%

Based on trailing twelve months.

The official record: Provident Financial Holdings’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Provident Financial Holdings's free cash flow margin?: Provident Financial Holdings (PROV) reported free cash flow margin of 18.9% in Q1 2026.
What is the long-term trend for Provident Financial Holdings's free cash flow margin?: Over 3 years (2021 to 2025), Provident Financial Holdings's free cash flow margin has grown at a -13.4% compound annual growth rate (CAGR), from 32.2% to 20.9%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.