Provident Financial Holdings, Inc. (PROV) Income Statement
PROV FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsPROV revenue and net income
Where PROV's revenue goes
FY2026Each bar shows an amount and its share of revenue. PROV kept 11.2% of revenue as net income.
PROV profit margins
PROV growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −0.9% | +13.2% | +8.4% | −2.4% |
| Gross profit | +2.4% | −0.4% | +2.5% | −5.4% |
| Operating income | +8.6% | −8.1% | −1.1% | −2.8% |
| Net income | +6.4% | −8.2% | −2.5% | −1.2% |
| EPS (diluted) | +10.8% | −5.2% | +0.4% | +1.2% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
PROV quarterly EPS vs estimates
Provident Financial beat the analyst EPS estimate in 3 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.32).
PROV income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.6M | $60.2M | $58.7M | $41.1M | $39.4M | $39.8M | $47.0M | $56.9M | $64.6M | $73.2M |
| Cost of revenue | $19.0M | $20.5M | $19.7M | $9.4M | $673,000 | $3.9M | $7.2M | $5.7M | $5.9M | $5.6M |
| Gross profit | $40.6M | $39.7M | $38.9M | $41.1M | $38.8M | $35.9M | $39.8M | $51.2M | $58.7M | $67.6M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $25.3M | $20.5M | $19.1M | $18.4M | $17.0M | $16.4M | $19.9M | $31.7M | $36.6M | $43.8M |
| Total operating expenses | $31.0M | $30.8M | $28.5M | −$28.6M | $25.9M | $25.7M | $28.9M | $45.2M | $53.2M | $58.8M |
| Operating income | $9.6M | $8.9M | $10.4M | $12.4M | $12.9M | $10.2M | $10.9M | $5.9M | $5.5M | $8.8M |
| Interest income | $55.9M | $56.6M | $54.7M | $46.0M | $34.7M | $35.2M | $42.5M | $44.4M | $42.7M | $42.4M |
| Interest expense | $19.6M | $21.2M | $19.8M | $9.0M | $3.1M | $4.6M | $6.1M | $6.2M | $6.4M | $6.7M |
| Income before taxes | $9.6M | $8.9M | $10.4M | $12.4M | $12.9M | $10.2M | $10.9M | $5.9M | $5.5M | $8.8M |
| Income taxes | $3.0M | $2.6M | $3.0M | $3.8M | $3.8M | $2.6M | $3.2M | $1.5M | $3.4M | $3.6M |
| Net income | $6.7M | $6.3M | $7.4M | $8.6M | $9.1M | $7.6M | $7.7M | $4.4M | $2.1M | $5.2M |
| EBITDA | $9.6M | $12.4M | $13.5M | $15.6M | $17.7M | $16.5M | $14.3M | $9.0M | $8.7M | $11.5M |
| EPS (diluted) | $1.03 | $0.93 | $1.06 | $1.21 | $1.22 | $1.01 | $1.00 | $0.58 | $0.76 | $0.72 |
| Gross margin | 68.1% | 65.9% | 66.3% | 100.0% | 98.3% | 90.3% | 84.7% | 89.9% | 90.9% | 92.3% |
| Operating margin | 16.2% | 14.8% | 17.7% | 30.2% | 32.6% | 25.6% | 23.2% | 10.4% | 8.6% | 12.0% |
| Net margin | 11.2% | 10.4% | 12.5% | 20.9% | 23.1% | 19.0% | 16.4% | 7.8% | 3.3% | 7.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $15.2M | $14.6M | $14.9M | $15.0M | $15.0M | $15.3M | $14.9M | $15.0M | $15.4M | $14.7M | $14.5M | $14.1M |
| Cost of revenue | $4.5M | $5.0M | $4.9M | $4.6M | $5.1M | $4.8M | $5.8M | $4.8M | $5.5M | $5.4M | $4.2M | $4.7M |
| Gross profit | $10.7M | $9.6M | $10.0M | $10.4M | $9.9M | $10.5M | $9.0M | $10.2M | $9.9M | $9.3M | $10.4M | $9.3M |
| Sales, general & admin | $6.4M | $5.1M | $6.1M | $5.1M | $5.1M | $5.2M | $5.2M | $5.0M | $4.8M | $4.9M | $5.0M | $4.5M |
| Total operating expenses | $7.7M | $7.6M | $7.9M | $7.6M | $7.6M | $7.9M | $7.8M | $7.5M | $7.2M | $7.2M | $7.3M | $6.9M |
| Operating income | $2.9M | $1.9M | $2.0M | $2.7M | $2.3M | $2.7M | $1.2M | $2.7M | $2.8M | $2.1M | $3.0M | $2.5M |
| Interest income | $13.9M | $13.9M | $13.9M | $14.1M | $14.1M | $14.4M | $14.0M | $14.1M | $13.9M | $13.8M | $13.7M | $13.3M |
| Interest expense | $4.6M | $4.7M | $5.0M | $5.2M | $5.2M | $5.2M | $5.3M | $5.5M | $5.5M | $5.2M | $4.9M | $4.2M |
| Income before taxes | $2.9M | $1.9M | $2.0M | $2.7M | $2.3M | $2.7M | $1.2M | $2.7M | $2.8M | $2.1M | $3.0M | $2.5M |
| Income taxes | $756,000 | $557,000 | $614,000 | $1.1M | $680,000 | $797,000 | $352,000 | $789,000 | $805,000 | $620,000 | $884,000 | $727,000 |
| Net income | $2.2M | $1.4M | $1.4M | $1.7M | $1.6M | $1.9M | $872,000 | $1.9M | $2.0M | $1.5M | $2.1M | $1.8M |
| EBITDA | $2.9M | $3.1M | $3.1M | $3.5M | $3.2M | $3.4M | $2.1M | $3.6M | $3.6M | $2.9M | $3.8M | $3.2M |
| EPS (diluted) | $0.35 | $0.21 | $0.22 | $0.25 | $0.24 | $0.28 | $0.13 | $0.28 | $0.28 | $0.22 | $0.31 | $0.25 |
| Gross margin | 70.2% | 65.5% | 67.3% | 69.3% | 66.3% | 68.5% | 60.7% | 68.2% | 64.6% | 63.3% | 71.3% | 66.3% |
| Operating margin | 19.3% | 13.1% | 13.8% | 18.3% | 15.4% | 17.3% | 8.2% | 18.0% | 17.9% | 14.4% | 20.8% | 17.7% |
| Net margin | 14.4% | 9.3% | 9.7% | 11.2% | 10.9% | 12.1% | 5.9% | 12.7% | 12.7% | 10.2% | 14.7% | 12.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in PROV's financial statements (latest annual report filed September 2, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
PROV financial results
In fiscal year 2026 (ended June 30, 2026), Provident Financial reported revenue of $59.6 million, down 0.9% from the year before. It had net income of $6.7 million (up 6.4%), a net profit margin of 11.2%. Diluted earnings per share came to $1.03. Over five years revenue grew at an average rate of 8.4% a year.
See the PROV stock overview for the latest quote and news, or the PROV chart for price history and technical indicators.
PROV income statement FAQ
What is Provident Financial's annual revenue?
Provident Financial reported total revenue of $59.6 million for fiscal year 2026, which ended on June 30, 2026. That was down 0.9% from $60.2 million the previous year.
Is Provident Financial profitable?
Yes. Provident Financial reported net income of $6.7 million in fiscal 2026, a net profit margin of 11.2%; its operating margin was 16.2%.
What is Provident Financial's gross margin?
Provident Financial's gross margin was 68.1% in fiscal 2026: for every $100 of revenue, Provident Financial kept $68 after the direct cost of its products and services.
How fast is Provident Financial growing?
Revenue grew 8.4% a year on average over the last five fiscal years, from $39.8 million to $59.6 million.
What are Provident Financial's earnings per share?
Provident Financial earned $1.03 per diluted share in fiscal 2026, compared with $0.93 a year earlier.
When will Provident Financial report its next earnings?
Provident Financial is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 before the market opens.
When does Provident Financial's fiscal year end?
Provident Financial's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on September 2, 2026.