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Provident Financial Holdings PROV Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Provident Financial Services logo
Provident Financial ServicesPFS
$195.86M+8.2%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$25.61M+14.5%
National Bankshares logo
National BanksharesNKSH
$12.7M+27.3%
Blue Ridge Bankshares logo
Blue Ridge BanksharesBRBS
$17.51M-7.8%
Greene County Bancorp logo
Greene County BancorpGCBC
$19.74M+30.5%
JPMorgan Chase logo
JPMorgan ChaseJPM

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
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
Provident Financial Holdings (PROV) reported net interest income (after provisions) of $8.84M in Q1 2026.
How has Provident Financial Holdings's net interest income (after provisions) changed year-over-year?
Provident Financial Holdings's net interest income (after provisions) decreased by 8.0% year-over-year, from $9.6M to $8.84M.
What is the long-term trend for Provident Financial Holdings's net interest income (after provisions)?
Over 3 years (2022 to 2025), Provident Financial Holdings's net interest income (after provisions) has grown at a 2.0% compound annual growth rate (CAGR), from $34.06M to $36.14M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which represents the bank's estimate of potential future loan defaults. It provides a more accurate view of the bank's net earnings power after accounting for the inherent risk in its loan portfolio.