Provident Financial Holdings, Inc. (PROV)

PROV Cash Flow 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	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Income	6.6	6.26	7.35	8.59	9.09	7.56
Depreciation & Amortization	3.5	3.49	3.16	3.19	4.85	6.27
Gain (Loss) on Sale of Investments	-0.07	-0.19	-0.54	-	-	-
Provision for Credit Losses	-1.34	-0.67	-0.06	0.37	-2.46	-0.71
Change in Accounts Payable	-1.43	-1.91	-2.4	0.12	0.48	-0.66
Change in Other Net Operating Assets	0.56	-0.27	-2	1.63	-2.11	-2.67
Other Operating Activities	1.2	1.43	-0.06	1.23	1.14	0.48
Operating Cash Flow	9.52	8.69	5.69	16.33	11.79	11.57
Operating Cash Flow Growth	86.24%	52.77%	-65.18%	38.43%	1.90%	45.50%
Capital Expenditures	-0.57	-0.53	-1.59	-0.74	-0.17	-0.23
Investment in Securities	20.04	20.55	24.11	31.08	36.82	-105.55
Net Decrease (Increase) in Loans Originated / Sold - Investing	15.69	6.44	22.6	-138.97	-88.32	50.09
Other Investing Activities	-	-	-0.06	-1.27	-0.08	-0.19
Investing Cash Flow	35.16	26.46	45.06	-109.9	-51.75	-55.87
Short-Term Debt Issued	-	-	-	115.01	5	-
Long-Term Debt Issued	-	87	85.5	65	-	-
Total Debt Issued	79	87	85.5	180.01	5	-
Short-Term Debt Repaid	-	-35	-52	-	-	-5
Long-Term Debt Repaid	-	-77.51	-30.01	-30	-20.98	-35.06
Total Debt Repaid	-111.53	-112.51	-82.01	-30	-20.98	-40.06
Net Debt Issued (Repaid)	-32.53	-25.51	3.49	150.01	-15.98	-40.06
Issuance of Common Stock	-	-	-	-	-	0.98
Repurchase of Common Stock	-4.55	-4.58	-2.6	-5.07	-4.31	-3.21
Common Dividends Paid	-3.69	-3.77	-3.89	-4	-4.15	-4.17
Net Increase (Decrease) in Deposit Accounts	4.92	0.42	-62.22	-4.93	17.53	45
Financing Cash Flow	-35.84	-33.43	-65.22	136.01	-6.9	-1.47
Net Cash Flow	8.83	1.71	-14.47	42.44	-46.86	-45.76
Free Cash Flow	8.94	8.16	4.1	15.58	11.63	11.35
Free Cash Flow Growth	101.76%	99.10%	-73.72%	34.02%	2.47%	46.90%
Free Cash Flow Margin	21.92%	20.56%	10.52%	38.30%	29.99%	31.59%
Free Cash Flow Per Share	1.35	1.21	0.59	2.17	1.56	1.50
Cash Interest Paid	20.81	21.4	19.76	7.48	3.17	4.66
Cash Income Tax Paid	1.87	1.92	3.09	2.73	2.73	3.32

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q