Provident Financial Holdings, Inc. (PROV)

PROV Income Statement

Financials in millions USD. Fiscal year is July - June.

Year	2023	2022	2021	2020	2019
Revenue	40.69	38.77	35.92	39.8	51.16
Revenue Growth (YoY)	4.93%	7.94%	-9.75%	-22.19%	-12.90%
Gross Profit	40.69	38.77	35.92	39.8	51.16
Selling, General & Admin	24.48	22.37	22.05	25.72	40.51
Other Operating Expenses	3.8	3.55	3.68	3.18	4.73
Operating Expenses	28.27	25.92	25.73	28.9	45.24
Operating Income	12.42	12.86	10.19	10.9	5.92
Pretax Income	12.42	12.86	10.19	10.9	5.92
Income Tax	3.82	3.77	2.63	3.21	1.5
Net Income	8.59	9.09	7.56	7.69	4.42
Net Income Growth	-5.51%	20.26%	-1.66%	74.08%	107.27%
Shares Outstanding (Basic)	7	7	8	7	7
Shares Change	-3.60%	-3.08%	1.08%	-0.81%	0.49%
EPS (Basic)	1.20	1.23	1.01	1.03	0.59
EPS (Diluted)	1.19	1.22	1.00	1.01	0.58
EPS Growth	-2.46%	22.00%	-0.99%	74.14%	107.14%
Free Cash Flow	15.58	11.63	11.35	7.73	107.09
Free Cash Flow Per Share	2.22	1.60	1.51	1.04	14.28
Dividend Per Share	0.560	0.560	0.560	0.560	0.560
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	30.52%	33.16%	28.36%	27.39%	11.57%
Profit Margin	21.12%	23.45%	21.05%	19.32%	8.63%
Free Cash Flow Margin	38.30%	29.99%	31.59%	19.41%	209.34%
Effective Tax Rate	30.80%	29.28%	25.78%	29.47%	25.39%
EBITDA	15.6	17.71	16.45	14.29	9
EBITDA Margin	38.35%	45.67%	45.80%	35.91%	17.58%
Depreciation & Amortization	3.19	4.85	6.27	3.39	3.08
EBIT	12.42	12.86	10.19	10.9	5.92
EBIT Margin	30.52%	33.16%	28.36%	27.39%	11.57%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).