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Provident Financial Holdings PROV Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Provident Financial ServicesPFS

34.6%+15.9pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

National BanksharesNKSH

30.3%+12.1pp

Other financials

Income statement

Revenue$9.9M-2.4%

Net income$1.4M-27.1%

EPS (diluted)$0.21-25.0%

Balance sheet

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

Operating cash flow$1.9M-43.1%

CapEx$145.0K+400%

Free cash flow$1.7M-47.0%

Valuation

Market cap$107.56M+4.8%

Enterprise value$236.8M-44.6%

P/E17.6×+1.2×

P/S2.7×+0.1×

Profitability

FCF margin18.9%—

Returns & leverage

Return on equity4.8%-0.3pp

Debt / equity1.5×+1.5×

Where this comes from

Calculated from Provident Financial Holdings’s reported figures.

net income/total revenue=15.5%

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 net margin?: Provident Financial Holdings (PROV) reported net margin of 15.5% in Q1 2026.
How has Provident Financial Holdings's net margin changed year-over-year?: Provident Financial Holdings's net margin decreased by 7.5% year-over-year, from 16.8% to 15.5%.
What is the long-term trend for Provident Financial Holdings's net margin?: Over 4 years (2021 to 2025), Provident Financial Holdings's net margin has grown at a -7.0% compound annual growth rate (CAGR), from 21.5% to 16%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.