Provident Financial Holdings, Inc. (PROV)

PROV Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	51.58	50.19	42.19	32.16	32.86	39.15
Interest Income on Investments	4.24	4.54	3.8	2.57	2.35	3.31
Total Interest Income	55.82	54.73	45.99	34.73	35.2	42.46
Interest Paid on Deposits	11.01	9.67	3.15	1.14	1.75	2.94
Interest Paid on Borrowings	10.43	10.14	5.86	1.99	2.82	3.11
Total Interest Expense	21.43	19.81	9.01	3.14	4.56	6.06
Net Interest Income	34.39	34.92	36.99	31.6	30.64	36.4
Net Interest Income Growth (YoY)	-5.92%	-5.58%	17.06%	3.12%	-15.83%	-4.63%
Other Non-Interest Income	2.91	2.79	2.78	3.41	3.33	2.91
Total Non-Interest Income	4.06	3.94	4.08	4.72	4.57	4.52
Non-Interest Income Growth (YoY)	8.47%	-3.29%	-13.59%	3.13%	1.17%	-63.87%
Revenues Before Loan Losses	38.44	38.86	41.06	36.31	35.21	40.92
Provision for Loan Losses	0	-0.06	0.37	-2.46	-0.71	1.12
Revenue	38.44	38.93	40.69	38.77	35.92	39.8
Revenue Growth (YoY)	-4.73%	-4.32%	4.93%	7.94%	-9.75%	-22.20%
Salaries and Employee Benefits	18	17.4	16.55	15.04	13.28	17.36
Federal Deposit Insurance	0.75	0.78	0.66	0.54	0.55	0.23
Selling, General & Administrative	7.67	7.37	7.92	7.33	8.77	8.36
Other Non-Interest Expense	3.24	2.98	3.14	3.01	3.13	2.95
Total Non-Interest Expense	29.66	28.54	28.27	25.92	25.73	28.9
EBT Excluding Unusual Items	8.79	10.39	12.42	12.86	10.19	10.9
Pretax Income	8.79	10.39	12.42	12.86	10.19	10.9
Income Tax Expense	2.57	3.04	3.82	3.77	2.63	3.21
Net Income	6.22	7.35	8.59	9.09	7.56	7.69
Net Income to Common	6.22	7.35	8.59	9.09	7.56	7.69
Net Income Growth	-22.58%	-14.44%	-5.51%	20.26%	-1.67%	74.08%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	8	8
Shares Change (YoY)	-2.64%	-3.23%	-3.45%	-1.19%	-0.50%	-0.26%
EPS (Basic)	0.91	1.06	1.20	1.23	1.01	1.03
EPS (Diluted)	0.91	1.06	1.19	1.22	1.00	1.01
EPS Growth	-20.23%	-11.03%	-2.46%	22.00%	-0.99%	74.14%
Dividend Per Share	0.560	0.560	0.560	0.560	0.560	0.560
Effective Tax Rate	29.21%	29.23%	30.80%	29.28%	25.78%	29.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q