Provident Financial Holdings, Inc. (PROV) — Financial statements
Income statement, balance sheet, and cash flow for Provident Financial Holdings, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 60↑2.5% | 59↑17.2% | 50↑26.9% | 39↓0.8% | 40 | |
| Cost of Revenue | 20↑3.8% | 20↑110.5% | 9↑1293.9% | 0.67↓82.5% | 4 | |
| Gross Profit | 40↑1.9% | 39↓4.3% | 41↑4.9% | 39↑7.9% | 36 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 20↑7.2% | 18↑0.2% | 18↑12.3% | 16↑4.2% | 16 | |
| Selling & Marketing Expenses | 0.71↑0.7% | 0.71↑14.0% | 0.62↓3.1% | 0.64↓5.6% | 0.68 | |
| SG&A Expenses | 20↑6.9% | 19↑0.6% | 19↑11.7% | 17↑3.8% | 16 | |
| Other Expenses | 10↑9.8% | 9↑1.7% | 9↑4.0% | 9↓4.8% | 9 | |
| Operating Expenses | 31↑7.9% | 29↑1.0% | 28↑9.1% | 26↑0.7% | 26 | |
| Total Costs & Expenses | 51↑6.2% | 48↑28.2% | 38↑41.6% | 27↓10.1% | 30 | |
| Operating Results | ||||||
| Operating Income | 9↓14.6% | 10↓16.3% | 12↓3.4% | 13↑26.2% | 10 | |
| Depreciation & Amortization | 3↑10.5% | 3↓1.0% | 3↓34.3% | 5↓22.6% | 6 | |
| EBITDA | 12↓8.7% | 14↓13.2% | 16↓11.9% | 18↑7.6% | 16 | |
| EBIT | 9↓14.6% | 10↓16.3% | 12↓3.4% | 13↑26.2% | 10 | |
| Interest & Other Income | ||||||
| Net Interest Income | 35↑1.6% | 35↓5.6% | 37↑17.1% | 32↑3.1% | 31 | |
| Interest Income | 57↑3.5% | 55↑19.0% | 46↑32.4% | 35↓1.3% | 35 | |
| Interest Expense | 21↑6.8% | 20↑119.9% | 9↑187.3% | 3↓31.3% | 5 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 9↓14.6% | 10↓16.3% | 12↓3.4% | 13↑26.2% | 10 | |
| Income Tax Expense | 3↓13.8% | 3↓20.6% | 4↑1.6% | 4↑43.4% | 3 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 6↓14.9% | 7↓14.4% | 9↓5.5% | 9↑20.3% | 8 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 6↓14.9% | 7↓14.4% | 9↓5.5% | 9↑20.3% | 8 | |
| Bottom-Line Net Income | 6↓14.9% | 7↓14.4% | 9↓5.5% | 9↑20.3% | 8 | |
| EPS (Basic) | 0.93↓12.3% | 1.06↓11.7% | 1.20↓2.4% | 1.23↑21.8% | 1.01 | |
| EPS (Diluted) | 0.93↓12.3% | 1.06↓10.9% | 1.19↓2.5% | 1.22↑22.0% | 1.00 | |
| Weighted Average Shares | 7↓3.3% | 7↓2.8% | 7↓3.5% | 7↓0.8% | 7 | |
| Weighted Average Diluted Shares | 7↓2.8% | 7↓3.2% | 7↓3.5% | 7↓1.2% | 8 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.