Provident Financial Holdings, Inc. (PROV)

PROV Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	52.65	52.54	50.19	42.19	32.16	32.86
Interest Income on Investments	4.04	4.08	4.54	3.8	2.57	2.35
Total Interest Income	56.7	56.62	54.73	45.99	34.73	35.2
Interest Paid on Deposits	11.39	11.23	9.67	3.15	1.14	1.75
Interest Paid on Borrowings	9.52	9.93	10.14	5.86	1.99	2.82
Total Interest Expense	20.91	21.16	19.81	9.01	3.14	4.56
Net Interest Income	35.78	35.47	34.92	36.99	31.6	30.64
Net Interest Income Growth (YoY)	4.02%	1.56%	-5.58%	17.06%	3.12%	-15.83%
Gain (Loss) on Sale of Investments	0.19	0.19	0.54	-	-	-
Other Non-Interest Income	2.18	2.23	2.25	2.78	3.41	3.33
Total Non-Interest Income	3.45	3.53	3.94	4.08	4.72	4.57
Non-Interest Income Growth (YoY)	-15.75%	-10.40%	-3.29%	-13.59%	3.13%	1.17%
Revenues Before Loan Losses	39.23	39	38.86	41.06	36.31	35.21
Provision for Loan Losses	-0.6	-0.67	-0.06	0.37	-2.46	-0.71
Revenue	39.82	39.67	38.93	40.69	38.77	35.92
Revenue Growth (YoY)	0.07%	1.90%	-4.32%	4.93%	7.94%	-9.75%
Salaries and Employee Benefits	18.6	18.46	17.4	16.55	15.04	13.28
Federal Deposit Insurance	0.72	0.74	0.78	0.66	0.54	0.55
Selling, General & Administrative	8.03	8.01	7.37	7.92	7.33	8.77
Other Non-Interest Expense	3.55	3.58	2.98	3.14	3.01	3.13
Total Non-Interest Expense	30.9	30.79	28.54	28.27	25.92	25.73
EBT Excluding Unusual Items	8.92	8.87	10.39	12.42	12.86	10.19
Pretax Income	8.92	8.87	10.39	12.42	12.86	10.19
Income Tax Expense	2.88	2.62	3.04	3.82	3.77	2.63
Net Income	6.04	6.26	7.35	8.59	9.09	7.56
Net Income to Common	6.04	6.26	7.35	8.59	9.09	7.56
Net Income Growth	-19.40%	-14.91%	-14.44%	-5.51%	20.26%	-1.67%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	8
Shares Change (YoY)	-3.13%	-2.85%	-3.23%	-3.45%	-1.19%	-0.50%
EPS (Basic)	0.91	0.93	1.06	1.20	1.23	1.01
EPS (Diluted)	0.90	0.93	1.06	1.19	1.22	1.00
EPS Growth	-17.24%	-12.16%	-11.03%	-2.46%	22.00%	-0.99%
Dividend Per Share	0.560	0.560	0.560	0.560	0.560	0.560
Effective Tax Rate	32.32%	29.50%	29.23%	30.80%	29.28%	25.78%

Updated Oct 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q