Provident Financial's first-quarter fiscal 2027 net income fell 6% year over year due to a $777,000 credit-loss provision, despite an 8.5% increase in revenue to $10.57 million and a 9% rise in net interest income. Net interest margin improved to 3.32% from 3.00%, supported by higher asset yields and lower borrowing costs, and diluted EPS remained stable at $0.25. The company saw a 53% increase in loan originations for investment and a $4.0 million rise in its loan portfolio to $1.04 billion.
Original sourcePROVNASDAQFinancial Services
PROVIDENT FINANCIAL HOLDINGS INC
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Latest price
$18.20
+0.06%
Alpha Vantage · 11/6/2026
Industry: Banks - RegionalCategory: Domestic Common StockCurrency: USDNews: 1 recent
Analyze PROV free One-year price history
Adjusted daily closes · 252 observations · as of Nov 6, 2026
1 month
-1.5%
3 months
+1.6%
6 months
+8.0%
1 year
+23.0%
Year to date
+17.2%
52-week range
$14.65 – $18.71
Fundamental snapshot
Latest reported period: Jun 30, 2026
Market cap
$113.5M
P/E
17.1
P/B
0.9
P/S
2.8
Revenue
$40.61M
Net income
$6.66M
Diluted EPS
1.03
Gross margin
100.00%
Net margin
16.40%
Return on equity
5.20%
Total debt
$157.05M
Cash
$49.21M
Free cash flow
$8.54M
Latest eight reported quarters
Reported quarterly values, newest first
| Period | Revenue | Net income | Gross margin | Net margin | Free cash flow |
|---|---|---|---|---|---|
| Jun 30, 2026 | $10.69M | $2.18M | 100.00% | 20.40% | $3.31M |
| Mar 31, 2026 | $9.55M | $1.35M | 100.00% | 14.20% | $1.75M |
| Dec 31, 2025 | $10M | $1.44M | 100.00% | 14.40% | $1.03M |
| Sep 30, 2025 | $10.37M | $1.68M | 100.00% | 16.20% | $2.45M |
| Jun 30, 2025 | $9.93M | $1.63M | 100.00% | 16.40% | $2.17M |
| Mar 31, 2025 | $10.51M | $1.86M | 100.00% | 17.70% | $3.29M |
| Dec 31, 2024 | $9.02M | $872K | 100.00% | 9.70% | $307K |
| Sep 30, 2024 | $10.21M | $1.9M | 100.00% | 18.60% | $2.39M |
Reported figures can reflect company reporting conventions, restatements, or sector-specific accounting. Verify against filings before relying on a valuation comparison.
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Provident Financial 3Q 2026: Revenue $10.57M, EPS $0.25 — 10-Q Summary