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Provident Financial Holdings PROV Provision for Credit Losses

Discontinued — last reported Q4 '26

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$914M-9.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$500K-20.0%
BCB Bancorp logo
BCB BancorpBCBP
-$420K-282%
National Bankshares logo
National BanksharesNKSH
$317K+781%
FRA
Franklin Financial Services CorporationFRAF
$1.64M+158%

Other financials

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$157.0M-58.4%
Total equity$126.2M-1.8%
Total assets$1.2B-3.0%

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$110.06M+9.7%
Enterprise value$217.9M-48.7%
P/E16.5×+0.5×
P/S2.8×+0.2×

Profitability

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Net margin16.6%+0.6pp
FCF margin18.9%

Returns & leverage

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

Where this comes from

Reported directly by Provident Financial Holdings in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: Provident Financial Holdings’s 8-K, filed July 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Provident Financial Holdings's provision for credit losses?
Provident Financial Holdings (PROV) reported provision for credit losses of -$95K in Q2 2026.
How has Provident Financial Holdings's provision for credit losses changed year-over-year?
Provident Financial Holdings's provision for credit losses increased by 42.1% year-over-year, from -$164K to -$95K.
What is the long-term trend for Provident Financial Holdings's provision for credit losses?
Over 3 years (2023 to 2026), Provident Financial Holdings's provision for credit losses has grown at a 13.9% compound annual growth rate (CAGR), from $374K to -$553K.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.