Provident Financial Holdings, Inc. (PROV)

Nasdaq: PROV · Savings Institution, Federally Chartered · Riverside, CA · filing with the SEC since 1996

Grade5.5

◀ Past 7.5● Present 4.1▶ Future 4.1

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in June.

Income statement, by fiscal year, newest first
Fiscal year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020	Jun 30, 2019	Jun 30, 2018	Jun 30, 2017
Report filed	Sep 2, 2026	Aug 29, 2025	Aug 30, 2024	Sep 5, 2023	Sep 2, 2022	Sep 3, 2021	Sep 4, 2020	Aug 30, 2019	Aug 31, 2018	Sep 1, 2017
For lenders
Interest and dividend income	55,889	56,624	54,730	45,992	34,730	35,201	42,456	44,378	42,712	42,417
Interest expense on deposits and borrowings	19,561	21,155	19,807	9,007	·	·	·	·	·	·
Net interest income	36,328	35,469	34,923	36,985	31,595	30,639	36,401	38,170	36,300	35,738
Provision for credit losses	-553	-666	-63	374	2,462	708	-1,119	-475	-536	-1,042
Net interest income after provision	36,881	36,135	34,986	36,611	34,057	31,347	35,282	38,645	36,836	36,780
Noninterest income	3,726	3,531	3,941	4,075	4,716	4,573	4,520	12,511	21,895	30,821
Noninterest expense	30,971	30,793	28,540	28,270	25,915	25,733	28,900	45,236	53,204	58,785
Sales and marketing	712	714	709	622	642	680	773	980	1,039	1,323
Total operating expenses	·	·	·	·	·	·	·	10,049	13,249	11,982
Interest expense	·	·	·	9,007	3,135	4,562	6,055	6,208	6,412	6,679
Income before income taxes	9,636	8,873	10,387	12,416	12,858	10,187	10,902	5,920	5,527	·
Income tax expense	2,981	2,618	3,036	3,824	3,765	2,626	3,213	1,503	3,396	3,609
Net income including non-controlling interests	6,655	6,255	7,351	8,592	9,093	7,561	·	·	·	·
Net income	6,655	6,255	7,351	8,592	9,093	7,561	7,689	4,417	2,131	5,207
Earnings per share, basic	1.04	0.93	1.06	1.20	1.23	1.01	1.03	0.59	0.28	0.66
Earnings per share, diluted	1.03	0.93	1.06	1.19	1.22	1.00	1.01	0.58	0.28	0.64
Weighted average shares, basic	6,415,560	6,716,086	6,942,918	7,143,273	7,404,089	7,464,814	7,467,577	7,484,925	7,542,071^r	7,918,454,000
Weighted average shares, diluted	6,482,884	6,760,962	6,959,143	7,191,685	7,449,004	7,538,409	7,576,182	7,596,268	7,700,371^r	8,098,991^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Sales and marketing the cost of finding and serving customersus-gaap:SellingAndMarketingExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton PROV · research, not advice