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Provident Financial Holdings PROV Capital Conservation Buffer

Capital Conservation Buffer at other companies

Bank of America logo
Bank of AmericaBAC
$0.030.0%

Segments

By segment

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Provident Financial Holding10.1%+0.9%

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:TierOneLeverageCapitalToAverageAssets.

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 capital conservation buffer?
Provident Financial Holdings (PROV) reported capital conservation buffer of 10% in Q1 2026.
How has Provident Financial Holdings's capital conservation buffer changed year-over-year?
Provident Financial Holdings's capital conservation buffer increased by 1.3% year-over-year, from 9.9% to 10%.
What does capital conservation buffer mean?
This represents the additional capital held by the institution above the minimum regulatory requirements to absorb potential losses during periods of economic stress. It serves as a critical safety margin that protects depositors and ensures the bank remains solvent during market downturns. A robust buffer is a key indicator of financial health and regulatory compliance.