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Provident Financial (PROV) Financials

Provident Financial logo
$18.53 +0.20 (+1.09%)
As of 09/3/2026 04:00 PM Eastern
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Annual Income Statements for Provident Financial

Annual Income Statements for Provident Financial

This table shows Provident Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Consolidated Net Income / (Loss)		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Net Income / (Loss) Continuing Operations		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Total Pre-Tax Income 		13 8.82 5.53 5.92 11 10 13 12 10 8.87 9.64
Total Revenue		 69 67 58 51 41 35 36 41 39 39 40
Net Interest Income / (Expense)		 32 36 36 38 36 31 32 37 35 35 36
Total Interest Income		 39 42 43 44 42 35 35 46 55 57 56
Loans and Leases Interest Income		 38 40 41 41 40 33 33 43 51 53 53
Investment Securities Interest Income		 1.08 1.54 1.34 2.04 2.12 1.85 1.91 2.17 2.06 1.86 1.61
Deposits and Money Market Investments Interest Income		 - - 0.78 1.54 0.66 0.08 0.17 1.08 1.67 1.38 1.16
Total Interest Expense		 6.98 6.68 6.41 6.21 6.06 4.56 3.14 9.01 20 21 20
Deposits Interest Expense		 4.40 3.81 3.50 3.38 2.94 1.75 1.14 3.15 9.67 11 12
Long-Term Debt Interest Expense		 2.58 2.87 2.92 2.83 3.11 2.82 1.99 5.86 10 9.93 7.74
Total Non-Interest Income		 37 31 22 13 4.52 4.57 4.72 4.08 3.94 3.53 3.73
Other Service Charges		 5.64 5.70 0.94 1.88 0.64 1.72 1.78 1.25 1.40 1.15 1.46
Other Non-Interest Income		 - - 5.24 3.50 3.88 2.85 2.94 2.82 2.54 2.38 2.27
Provision for Credit Losses		 -1.72 -1.04 -0.54 -0.48 1.12 -0.71 -2.46 0.37 -0.06 -0.67 -0.55
Total Non-Interest Expense		 58 59 53 45 29 26 26 28 29 31 31
Salaries and Employee Benefits		 43 42 35 30 19 15 16 18 18 19 19
Net Occupancy & Equipment Expense		 6.15 6.51 6.71 7.51 4.59 4.65 4.47 4.60 4.90 5.18 5.32
Marketing Expense		 1.33 1.32 1.04 0.98 0.77 0.68 0.64 0.62 0.71 0.71 0.71
Property & Liability Insurance Claims		 1.02 0.77 0.75 0.59 0.23 0.55 0.54 0.66 0.78 0.74 0.66
Other Operating Expenses		 7.62 8.45 9.89 6.01 4.39 4.69 4.43 4.66 4.51 5.16 5.02
Income Tax Expense		 5.37 3.61 3.40 1.50 3.21 2.63 3.77 3.82 3.04 2.62 2.98
Basic Earnings per Share		 $0.90 $0.66 $0.28 $0.59 $1.03 $1.01 $1.23 $1.20 $1.06 $0.93 $1.04
Weighted Average Basic Shares Outstanding		 8.30M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M
Diluted Earnings per Share		 $0.88 $0.64 $0.28 $0.58 $1.01 $1.00 $1.22 $1.19 $1.06 $0.93 $1.03
Weighted Average Diluted Shares Outstanding		 8.30M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M
Weighted Average Basic & Diluted Shares Outstanding		 8.30M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M

Quarterly Income Statements for Provident Financial

This table shows Provident Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Consolidated Net Income / (Loss)		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Net Income / (Loss) Continuing Operations		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Total Pre-Tax Income 		3.03 2.12 2.76 2.69 1.22 2.65 2.31 2.74 2.05 1.91 2.94
Total Revenue		 9.65 9.41 9.92 9.52 9.60 10 9.76 9.74 9.84 9.88 11
Net Interest Income / (Expense)		 8.77 8.56 8.45 8.62 8.76 9.21 8.88 8.93 8.92 9.16 9.31
Total Interest Income		 14 14 14 14 14 14 14 14 14 14 14
Loans and Leases Interest Income		 13 13 14 13 13 13 14 13 13 13 14
Investment Securities Interest Income		 0.72 0.73 -0.09 0.69 0.68 0.67 -0.19 0.64 0.63 0.88 -0.54
Deposits and Money Market Investments Interest Income		 0.44 0.40 0.38 0.36 0.29 0.39 0.34 0.37 0.25 0.27 0.26
Total Interest Expense		 4.89 5.25 5.47 5.46 5.26 5.22 5.22 5.22 5.03 4.70 4.62
Deposits Interest Expense		 2.27 2.68 2.83 2.82 2.67 2.75 2.98 2.99 2.93 2.88 3.03
Long-Term Debt Interest Expense		 2.62 2.57 2.63 2.64 2.59 2.47 2.24 2.23 2.10 1.82 1.59
Total Non-Interest Income		 0.88 0.85 1.47 0.90 0.85 0.91 0.88 0.81 0.92 0.71 1.28
Other Service Charges		 0.24 0.24 0.81 0.28 0.26 0.34 0.27 0.25 0.36 0.16 0.69
Other Non-Interest Income		 0.63 0.61 0.66 0.62 0.58 0.57 0.61 0.57 0.56 0.55 0.59
Provision for Credit Losses		 -0.72 0.12 -0.01 -0.70 0.59 -0.39 -0.16 -0.63 -0.16 0.33 -0.10
Total Non-Interest Expense		 7.34 7.17 7.17 7.52 7.79 7.86 7.62 7.63 7.95 7.64 7.75
Salaries and Employee Benefits		 4.57 4.54 4.42 4.63 4.83 4.78 4.77 4.77 4.78 4.81 4.90
Net Occupancy & Equipment Expense		 1.25 1.16 1.29 1.29 1.30 1.30 1.29 1.35 1.33 1.33 1.31
Marketing Expense		 0.18 0.17 0.19 0.17 0.19 0.18 0.17 0.15 0.16 0.18 0.23
Property & Liability Insurance Claims		 0.21 0.19 0.18 0.18 0.19 0.20 0.17 0.17 0.18 0.16 0.16
Other Operating Expenses		 1.14 1.11 1.08 1.24 1.30 1.41 1.22 1.20 1.50 1.16 1.16
Income Tax Expense		 0.88 0.62 0.81 0.79 0.35 0.80 0.68 1.05 0.61 0.56 0.76
Basic Earnings per Share		 $0.31 $0.22 $0.28 $0.28 $0.13 $0.28 $0.24 $0.26 $0.22 $0.21 $0.35
Weighted Average Basic Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M
Diluted Earnings per Share		 $0.31 $0.22 $0.28 $0.28 $0.13 $0.28 $0.24 $0.25 $0.22 $0.21 $0.35
Weighted Average Diluted Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M
Weighted Average Basic & Diluted Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M

Annual Cash Flow Statements for Provident Financial

This table details how cash moves in and out of Provident Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Net Change in Cash & Equivalents		 -30 22 -30 27 45 -46 -47 42 -14 1.71 -3.88
Net Cash From Operating Activities		 48 83 28 107 7.95 12 12 16 5.69 8.69 8.97
Net Cash From Continuing Operating Activities		 48 83 28 107 7.95 12 12 17 5.69 8.69 8.97
Net Income / (Loss) Continuing Operations		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Consolidated Net Income / (Loss)		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Provision For Loan Losses		 -1.78 -0.60 -0.54 -0.48 1.12 -0.71 -2.46 0.75 -0.06 -0.67 -0.55
Depreciation Expense		 1.91 2.64 3.13 3.08 3.39 6.27 4.85 3.19 3.16 3.49 3.87
Non-Cash Adjustments to Reconcile Net Income		 -1,994 -1,937 -1,201 97 0.95 1.30 0.80 1.19 -0.30 0.35 0.29
Changes in Operating Assets and Liabilities, net		 2,034 2,014 1,224 3.28 -5.20 -2.85 -0.49 2.99 -4.46 -0.74 -1.29
Net Cash From Investing Activities		 -64 -85 -27 17 -49 -56 -52 -110 45 26 31
Net Cash From Continuing Investing Activities		 -59 -69 -27 17 -49 -56 -52 -110 45 26 31
Purchase of Property, Leasehold Improvements and Equipment		 -1.52 -1.49 -2.91 -0.45 -0.23 -0.23 -0.17 -0.74 -1.59 -0.53 -0.43
Purchase of Investment Securities		 -74 -102 -54 -41 -56 -159 -19 -1.27 -0.06 -0.98 0.00
Sale and/or Maturity of Investments		 16 34 30 58 33 53 56 31 24 22 20
Other Investing Activities, net		 - - - - -25 50 -88 -139 23 6.44 12
Net Cash From Financing Activities		 -14 23 -30 -97 86 -1.47 -6.90 136 -65 -33 -44
Net Cash From Continuing Financing Activities		 -14 23 -30 -97 86 -1.47 -6.90 136 -65 -33 -44
Net Change in Deposits		 2.30 0.14 -19 -66 52 45 18 -4.93 -62 0.42 22
Issuance of Debt		 0.00 35 10 0.00 40 -5.00 5.00 65 86 87 84
Repayment of Debt		 -0.07 -0.07 -10 -25 -0.07 -35 -21 85 -82 -113 -140
Repurchase of Common Equity		 -13 -8.71 -7.35 -1.41 -1.28 -2.34 -4.31 -4.65 -2.60 -4.45 -5.98
Payment of Dividends		 -4.01 -4.12 -4.23 -4.19 -4.18 -4.17 -4.15 -4.00 -3.89 -3.77 -3.59
Other Financing Activities, Net		 0.76 0.46 0.36 -0.06 0.18 0.10 0.00 -0.42 0.00 -0.13 -0.36
Cash Interest Paid		 6.99 6.65 6.41 6.22 6.06 4.66 3.17 7.48 20 21 20
Cash Income Taxes Paid		 3.85 3.04 2.77 1.56 0.78 3.32 2.73 2.73 3.09 1.92 2.13

Quarterly Cash Flow Statements for Provident Financial

This table details how cash moves in and out of Provident Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -11 4.85 -0.36 -3.18 -2.65 5.38 2.18 -3.68 4.96 2.76 -7.92
Net Cash From Operating Activities		 0.09 2.98 -0.76 2.56 0.32 3.32 2.48 2.50 1.22 1.89 3.37
Net Cash From Continuing Operating Activities		 0.09 2.98 -0.76 2.56 0.32 3.32 2.48 2.50 1.22 1.89 3.37
Net Income / (Loss) Continuing Operations		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Consolidated Net Income / (Loss)		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Provision For Loan Losses		 -0.72 0.12 -0.01 -0.70 0.59 -0.39 -0.16 -0.63 -0.16 0.33 -0.10
Depreciation Expense		 0.77 0.78 0.85 0.90 0.91 0.73 0.94 0.81 1.02 1.17 0.87
Non-Cash Adjustments to Reconcile Net Income		 0.07 0.04 -0.46 0.15 0.04 0.05 0.11 0.15 0.11 0.22 -0.19
Changes in Operating Assets and Liabilities, net		 -2.17 0.54 -3.08 0.31 -2.09 1.07 -0.03 0.48 -1.19 -1.18 0.60
Net Cash From Investing Activities		 2.20 15 18 10 -0.65 -0.01 17 9.74 8.60 12 1.35
Net Cash From Continuing Investing Activities		 2.20 15 18 10 -0.65 -0.01 17 9.74 8.60 12 1.35
Purchase of Property, Leasehold Improvements and Equipment		 -0.54 -0.40 -0.09 -0.17 -0.02 -0.03 -0.31 -0.04 -0.19 -0.15 -0.06
Sale and/or Maturity of Investments		 5.87 5.66 5.90 5.74 5.34 5.26 5.20 5.51 5.05 4.90 4.77
Other Investing Activities, net		 - - 13 4.73 - - 13 4.27 3.73 7.06 -3.36
Net Cash From Financing Activities		 -13 -13 -18 -16 -2.33 2.06 -17 -16 -4.85 -11 -13
Net Cash From Continuing Financing Activities		 -13 -13 -18 -16 -2.33 2.06 -17 -16 -4.85 -11 -13
Net Change in Deposits		 -19 -3.86 -20 -24 3.65 34 -13 -14 -2.41 20 17
Issuance of Debt		 13 5.00 56 16 18 -30 20 5.00 49 15 15
Repayment of Debt		 -5.01 -13 -52 -5.00 -22 -0.00 -23 -5.01 -49 -44 -42
Repurchase of Common Equity		 -0.76 -0.71 -0.64 -1.46 -1.03 -0.80 -1.15 -1.06 -1.54 -1.50 -1.89
Payment of Dividends		 -0.98 -0.97 -0.96 -0.96 -0.95 -0.94 -0.92 -0.92 -0.91 -0.89 -0.87
Other Financing Activities, Net		 - - - -0.13 - - - 0.00 - - -0.36
Cash Interest Paid		 5.09 5.06 5.80 5.61 5.73 5.09 4.98 5.65 5.10 4.54 4.72
Cash Income Taxes Paid		 - 0.38 0.60 - - 0.29 0.30 - - 0.51 0.34

Annual Balance Sheets for Provident Financial

This table presents Provident Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025 6/30/2026
Total Assets		 1,171 1,201 1,176 1,085 1,177 1,184 1,187 1,333 1,272 1,246 1,208
Cash and Due from Banks		 51 73 43 71 116 70 23 66 51 53 49
Trading Account Securities		 52 70 95 100 123 227 188 156 132 111 91
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 6.04 6.64 8.70 8.23 10 9.38 8.83 9.23 9.31 9.32 9.23
Mortgage Servicing Rights		 - - - - - - - 0.00 1,053 1,046 1,033
Other Assets		 33 30 29 26 24 26 26 24 27 26 27
Total Liabilities & Shareholders' Equity		 1,171 1,201 1,176 1,085 1,177 1,184 1,187 1,333 1,272 1,246 1,208
Total Liabilities		 1,038 1,072 1,055 964 1,053 1,056 1,058 1,203 1,142 1,117 1,082
Non-Interest Bearing Deposits		 71 78 86 90 119 123 125 103 96 84 87
Interest Bearing Deposits		 855 849 821 751 774 815 830 848 793 805 824
Long-Term Debt		 91 126 126 101 141 101 85 235 239 213 157
Other Long-Term Liabilities		 20 20 21 22 - 17 18 - - 15 15
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 133 128 120 121 124 127 129 130 130 129 126
Total Preferred & Common Equity		 133 128 120 121 124 127 129 130 130 129 126
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 133 128 120 121 124 127 129 130 130 129 126
Common Stock		 91 93 95 95 96 98 99 100 99 99 100
Retained Earnings		 192 193 191 191 194 198 203 207 210 212 215
Treasury Stock		 -150 -158 -166 -165 -166 -169 -173 -177 -179 -183 -189
Accumulated Other Comprehensive Income / (Loss)		 0.31 0.23 0.21 0.16 0.10 0.07 0.00 -0.04 -0.00 0.02 0.01

Quarterly Balance Sheets for Provident Financial

This table presents Provident Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Total Assets		 1,313 1,301 1,290 1,257 1,255 1,260 1,231 1,228 1,218
Cash and Due from Banks		 58 47 52 48 46 51 49 54 57
Trading Account Securities		 150 144 138 126 121 115 105 100 95
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 9.43 9.60 9.64 9.62 9.47 9.39 8.99 9.84 9.55
Mortgage Servicing Rights		 1,072 1,076 1,066 1,049 1,054 1,059 1,042 1,038 1,030
Other Assets		 24 25 25 15 15 15 15 15 16
Total Liabilities & Shareholders' Equity		 1,313 1,301 1,290 1,257 1,255 1,260 1,231 1,228 1,218
Total Liabilities		 1,184 1,171 1,161 1,128 1,126 1,131 1,102 1,100 1,091
Non-Interest Bearing Deposits		 106 94 92 86 85 89 79 75 85
Interest Bearing Deposits		 825 818 816 777 782 812 796 797 808
Other Short-Term Payables		 18 - - 14 - - - - 14
Long-Term Debt		 235 243 235 250 246 216 213 213 184
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 129 130 130 130 129 129 128 127 127
Total Preferred & Common Equity		 129 130 130 130 129 129 128 127 127
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 129 130 130 130 129 129 128 127 127
Common Stock		 100 100 100 99 99 99 99 100 100
Retained Earnings		 207 208 209 211 211 212 213 214 214
Treasury Stock		 -178 -178 -179 -180 -181 -182 -184 -186 -187
Accumulated Other Comprehensive Income / (Loss)		 -0.03 -0.01 -0.01 0.01 0.02 0.02 0.02 0.02 0.01

Annual Metrics And Ratios for Provident Financial

This table displays calculated financial ratios and metrics derived from Provident Financial's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 6/30/2024 6/30/2025 6/30/2026
DEI Shares Outstanding		 8,175,848.00 7,891,547.00 7,460,804.00 7,497,357.00 7,436,315.00 7,516,547.00 7,285,184.00 7,022,658.00 - 6,621,150.00 6,253,691.00
DEI Adjusted Shares Outstanding		 8,175,848.00 7,891,547.00 7,460,804.00 7,497,357.00 7,436,315.00 7,516,547.00 7,285,184.00 7,022,658.00 - 6,621,150.00 6,253,691.00
DEI Earnings Per Adjusted Shares Outstanding		 0.91 0.66 0.29 0.59 1.03 1.01 1.25 1.22 - 0.94 1.06
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.80% -4.08% -12.57% -12.91% -19.26% -13.95% 3.12% 13.08% -5.35% 0.35% 2.70%
EBITDA Growth		 -22.08% -22.36% -24.43% 3.90% 58.90% 15.11% 7.62% -11.88% -13.21% -8.74% 9.26%
EBIT Growth		 -24.79% -31.37% -37.31% 7.11% 84.16% -6.56% 26.22% -3.44% -16.34% -14.58% 8.60%
NOPAT Growth		 -23.76% -30.33% -59.07% 107.27% 74.08% -1.66% 20.26% -5.51% -14.44% -14.91% 6.39%
Net Income Growth		 -23.76% -30.33% -59.07% 107.27% 74.08% -1.66% 20.26% -5.51% -14.44% -14.91% 6.39%
EPS Growth		 -17.76% -27.27% -56.25% 107.14% 74.14% -0.99% 22.00% -2.46% -10.92% -12.26% 10.75%
Operating Cash Flow Growth		 182.72% 74.61% -66.46% 282.66% -92.57% 45.50% 1.90% 38.43% -65.18% 52.77% 3.28%
Free Cash Flow Firm Growth		 -2,316.42% 88.72% -4,795.39% 111.98% -221.50% 224.55% -46.51% -700.92% 102.53% 817.30% 96.53%
Invested Capital Growth		 0.00% 13.22% 0.00% -10.09% 19.52% -13.87% -6.40% 70.70% 1.03% -7.28% -17.08%
Revenue Q/Q Growth		 -0.01% 0.00% -3.27% -6.52% -2.55% -1.88% 2.98% 1.73% 0.00% -0.40% 2.12%
EBITDA Q/Q Growth		 2.09% 0.00% 12.40% -13.52% 11.93% 21.43% -8.94% -5.22% 0.00% -2.87% 4.35%
EBIT Q/Q Growth		 0.81% 0.00% 15.60% -20.59% 16.07% 27.85% -6.06% -6.16% 0.00% -4.85% 7.04%
NOPAT Q/Q Growth		 0.95% 0.00% 25.72% -12.19% 11.56% 30.23% -8.79% -7.08% 0.00% -4.97% 9.15%
Net Income Q/Q Growth		 0.95% 0.00% 25.72% -12.19% 11.56% 30.23% -8.79% -7.08% 0.00% -4.97% 9.15%
EPS Q/Q Growth		 3.53% 0.00% 27.27% -12.12% 13.48% 26.58% -6.87% -7.75% 0.00% -4.12% 11.96%
Operating Cash Flow Q/Q Growth		 -63.47% 0.00% 14.78% 58.51% -79.50% -11.47% 19.09% 0.30% -47.98% 59.39% 10.95%
Free Cash Flow Firm Q/Q Growth		 -3,034.58% 0.00% -14,524.13% 113.48% -42.31% 90.35% -39.37% -21.18% 0.00% 24.20% 62.82%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -0.26% 4.25% -3.58% 2.91% 9.05% 0.00% -0.82% -8.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 21.26% 17.21% 14.88% 17.75% 34.93% 46.73% 48.76% 38.00% 34.84% 31.69% 33.71%
EBIT Margin		 18.51% 13.25% 9.50% 11.68% 26.64% 28.93% 35.41% 30.24% 26.73% 22.75% 24.06%
Profit (Net Income) Margin		 10.77% 7.82% 3.66% 8.72% 18.79% 21.47% 25.04% 20.93% 18.91% 16.04% 16.62%
Tax Burden Percent		 58.18% 59.06% 38.56% 74.61% 70.53% 74.22% 70.72% 69.20% 70.77% 70.49% 69.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 41.82% 40.94% 61.44% 25.39% 29.47% 25.78% 29.28% 30.80% 29.23% 29.51% 30.94%
Return on Invested Capital (ROIC)		 6.65% 2.17% 1.73% 1.89% 3.16% 3.07% 4.12% 2.97% 2.01% 1.76% 2.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.65% 2.17% 1.73% 1.89% 3.16% 3.07% 4.12% 2.97% 2.01% 1.76% 2.13%
Return on Net Nonoperating Assets (RNNOA)		 4.55% 1.81% 1.81% 1.78% 3.13% 2.95% 2.99% 3.68% 3.66% 3.08% 3.09%
Return on Equity (ROE)		 11.20% 3.98% 3.54% 3.66% 6.29% 6.02% 7.11% 6.65% 5.66% 4.84% 5.22%
Cash Return on Invested Capital (CROIC)		 -193.35% -10.22% -198.27% 12.51% -14.62% 17.97% 10.73% -49.26% 0.98% 9.32% 20.81%
Operating Return on Assets (OROA)		 1.10% 0.74% 0.47% 0.52% 0.96% 0.86% 1.08% 0.99% 0.80% 0.70% 0.79%
Return on Assets (ROA)		 0.64% 0.44% 0.18% 0.39% 0.68% 0.64% 0.77% 0.68% 0.56% 0.50% 0.54%
Return on Common Equity (ROCE)		 11.20% 3.98% 3.54% 3.66% 6.29% 6.02% 7.11% 6.65% 5.66% 4.84% 5.22%
Return on Equity Simple (ROE_SIMPLE)		 5.60% 4.06% 1.77% 3.66% 6.20% 5.94% 7.07% 6.63% 5.66% 4.87% 5.27%
Net Operating Profit after Tax (NOPAT)		 7.47 5.21 2.13 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
NOPAT Margin		 10.77% 7.82% 3.66% 8.72% 18.79% 21.47% 25.04% 20.93% 18.91% 16.04% 16.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 72.18% 74.48% 73.15% 76.24% 59.33% 58.19% 57.69% 55.91% 59.81% 63.84% 63.14%
Operating Expenses to Revenue		 83.96% 88.32% 91.42% 89.26% 70.62% 73.08% 71.37% 68.85% 73.44% 78.96% 77.32%
Earnings before Interest and Taxes (EBIT)		 13 8.82 5.53 5.92 11 10 13 12 10 8.87 9.64
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 11 8.66 9.00 14 16 18 16 14 12 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.83 0.90 0.97 1.10 0.70 0.93 0.79 0.65 0.65 0.79 0.85
Price to Tangible Book Value (P/TBV)		 0.83 0.90 0.97 1.10 0.70 0.93 0.79 0.65 0.65 0.79 0.85
Price to Revenue (P/Rev)		 1.59 1.73 2.01 2.63 2.13 3.34 2.79 2.07 2.19 2.61 2.66
Price to Earnings (P/E)		 14.79 22.15 54.90 30.16 11.32 15.57 11.15 9.87 11.57 16.26 16.04
Dividend Yield		 3.55% 3.56% 3.57% 3.15% 4.78% 3.57% 4.02% 4.64% 4.53% 3.65% 3.28%
Earnings Yield		 6.76% 4.51% 1.82% 3.32% 8.83% 6.42% 8.97% 10.13% 8.64% 6.15% 6.24%
Enterprise Value to Invested Capital (EV/IC)		 0.67 0.66 0.81 0.74 0.42 0.65 0.76 0.70 0.74 0.77 0.76
Enterprise Value to Revenue (EV/Rev)		 2.17 2.54 3.43 3.23 2.74 4.22 4.49 6.19 7.00 6.71 5.36
Enterprise Value to EBITDA (EV/EBITDA)		 10.21 14.73 23.09 18.20 7.84 9.02 9.21 16.28 20.10 21.17 15.89
Enterprise Value to EBIT (EV/EBIT)		 11.72 19.14 36.16 27.65 10.28 14.57 12.68 20.46 26.20 29.49 22.27
Enterprise Value to NOPAT (EV/NOPAT)		 20.15 32.41 93.79 37.06 14.58 19.64 17.93 29.56 37.03 41.84 32.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.15 2.02 7.14 1.53 14.09 12.83 13.82 15.56 47.88 30.13 23.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 5.59 0.00 3.35 6.88 0.00 75.48 7.91 3.30
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.68 0.98 1.05 0.84 1.14 0.79 0.66 1.81 1.84 1.66 1.24
Long-Term Debt to Equity		 0.68 0.98 1.05 0.84 1.14 0.79 0.66 1.81 1.84 1.66 1.24
Financial Leverage		 0.68 0.83 1.05 0.94 0.99 0.96 0.73 1.24 1.82 1.75 1.45
Leverage Ratio		 8.78 9.06 9.76 9.38 9.25 9.39 9.26 9.75 10.03 9.74 9.63
Compound Leverage Factor		 8.78 9.06 9.76 9.38 9.25 9.39 9.26 9.75 10.03 9.74 9.63
Debt to Total Capital		 40.62% 49.61% 51.16% 45.60% 53.22% 44.24% 39.78% 64.44% 64.73% 62.37% 55.44%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 40.62% 49.61% 51.16% 45.60% 53.22% 44.24% 39.78% 64.44% 64.73% 62.37% 55.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.38% 50.39% 48.84% 54.40% 46.78% 55.76% 60.22% 35.56% 35.27% 37.63% 44.56%
Debt to EBITDA		 6.19 11.02 14.57 11.24 9.87 6.14 4.80 15.06 17.61 17.24 11.63
Net Debt to EBITDA		 2.72 4.66 9.57 3.39 1.75 1.87 3.48 10.84 13.82 12.94 7.99
Long-Term Debt to EBITDA		 6.19 11.02 14.57 11.24 9.87 6.14 4.80 15.06 17.61 17.24 11.63
Debt to NOPAT		 12.22 24.24 59.20 22.89 18.34 13.36 9.35 27.35 32.44 34.06 23.60
Net Debt to NOPAT		 5.36 10.26 38.88 6.90 3.25 4.06 6.77 19.69 25.46 25.58 16.20
Long-Term Debt to NOPAT		 12.22 24.24 59.20 22.89 18.34 13.36 9.35 27.35 32.44 34.06 23.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -217 -24 -244 29 -36 44 24 -142 3.61 33 65
Operating Cash Flow to CapEx		 3,150.23% 5,596.38% 962.05% 23,851.00% 3,473.36% 5,143.56% 7,147.27% 2,203.10% 357.77% 1,638.68% 2,076.39%
Free Cash Flow to Firm to Interest Expense		 -31.15 -3.67 -38.13 4.72 -5.88 9.72 7.56 -15.82 0.18 1.56 3.32
Operating Cash Flow to Interest Expense		 6.85 12.49 4.36 17.25 1.31 2.54 3.76 1.81 0.29 0.41 0.46
Operating Cash Flow Less CapEx to Interest Expense		 6.63 12.27 3.91 17.18 1.28 2.49 3.71 1.73 0.21 0.39 0.44
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.05 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 11.48 10.50 6.69 5.99 4.43 3.59 3.99 4.55 4.19 4.19 4.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 225 254 247 222 265 228 214 365 368 342 283
Invested Capital Turnover		 0.62 0.28 0.47 0.22 0.17 0.14 0.16 0.14 0.11 0.11 0.13
Increase / (Decrease) in Invested Capital		 225 30 247 -25 43 -37 -15 151 3.75 -27 -58
Enterprise Value (EV)		 151 169 200 164 112 148 163 254 272 262 215
Market Capitalization		 111 115 117 133 87 118 101 85 85 102 107
Book Value per Share		 $16.32 $16.25 $16.15 $16.09 $16.67 $16.93 $17.66 $18.47 $18.89 $19.41 $20.18
Tangible Book Value per Share		 $16.32 $16.25 $16.15 $16.09 $16.67 $16.93 $17.66 $18.47 $18.89 $19.41 $20.18
Total Capital		 225 254 247 222 265 228 214 365 368 342 283
Total Debt		 91 126 126 101 141 101 85 235 239 213 157
Total Long-Term Debt		 91 126 126 101 141 101 85 235 239 213 157
Net Debt		 40 53 83 30 25 31 62 169 187 160 108
Capital Expenditures (CapEx)		 1.52 1.49 2.91 0.45 0.23 0.23 0.17 0.74 1.59 0.53 0.43
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 91 126 126 101 141 101 85 235 239 213 157
Total Depreciation and Amortization (D&A)		 1.91 2.64 3.13 3.08 3.39 6.27 4.85 3.19 3.16 3.49 3.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.90 $0.66 $0.28 $0.59 $1.03 $1.01 $1.23 $1.20 $1.06 $0.93 $1.04
Adjusted Weighted Average Basic Shares Outstanding		 7.93M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M
Adjusted Diluted Earnings per Share		 $0.88 $0.64 $0.28 $0.58 $1.01 $1.00 $1.22 $1.19 $1.06 $0.93 $1.03
Adjusted Weighted Average Diluted Shares Outstanding		 7.93M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.93M 7.70M 7.43M 7.48M 7.44M 7.52M 7.27M 7.01M 6.86M 6.58M 6.23M
Normalized Net Operating Profit after Tax (NOPAT)		 7.47 5.21 3.87 4.42 7.69 7.56 9.09 8.59 7.35 6.26 6.66
Normalized NOPAT Margin		 10.77% 7.82% 6.65% 8.72% 18.79% 21.47% 25.04% 20.93% 18.91% 16.04% 16.62%
Pre Tax Income Margin		 18.51% 13.25% 9.50% 11.68% 26.64% 28.93% 35.41% 30.24% 26.73% 22.75% 24.06%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.84 1.32 0.86 0.95 1.80 2.23 4.10 1.38 0.52 0.42 0.49
NOPAT to Interest Expense		 1.07 0.78 0.33 0.71 1.27 1.66 2.90 0.95 0.37 0.30 0.34
EBIT Less CapEx to Interest Expense		 1.62 1.10 0.41 0.88 1.76 2.18 4.05 1.30 0.44 0.39 0.47
NOPAT Less CapEx to Interest Expense		 0.85 0.56 -0.12 0.64 1.23 1.61 2.85 0.87 0.29 0.27 0.32
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 53.71% 79.11% 198.40% 94.95% 54.40% 55.19% 45.60% 46.53% 52.88% 60.21% 53.97%
Augmented Payout Ratio		 228.15% 246.46% 543.17% 126.92% 71.09% 86.09% 92.94% 100.63% 88.26% 131.32% 143.88%

Quarterly Metrics And Ratios for Provident Financial

This table displays calculated financial ratios and metrics derived from Provident Financial's official financial filings.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 6,985,926.00 6,926,696.00 6,877,946.00 - - 6,690,711.00 6,621,150.00 6,577,038.00 6,474,230.00 6,375,020.00 6,253,691.00
DEI Adjusted Shares Outstanding		 6,985,926.00 6,926,696.00 6,877,946.00 - - 6,690,711.00 6,621,150.00 6,577,038.00 6,474,230.00 6,375,020.00 6,253,691.00
DEI Earnings Per Adjusted Shares Outstanding		 0.31 0.22 0.28 - - 0.28 0.25 0.26 0.22 0.21 0.35
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.69% -9.39% -4.35% -3.79% -0.47% 7.57% -1.57% 2.40% 2.47% -2.40% 8.52%
EBITDA Growth		 -7.49% -28.73% 0.36% 10.63% -43.62% 16.95% -10.12% -1.28% 43.69% -9.06% 17.37%
EBIT Growth		 -9.76% -35.69% -2.13% 8.04% -59.54% 25.48% -16.39% 1.71% 67.48% -28.00% 27.49%
NOPAT Growth		 -9.70% -35.64% 8.02% 7.83% -59.27% 24.21% -16.74% -11.53% 64.68% -27.09% 34.32%
Net Income Growth		 -9.70% -35.64% 8.02% 7.83% -59.27% 24.21% -16.74% -11.53% 64.68% -27.09% 34.32%
EPS Growth		 -6.06% -33.33% 16.67% 12.00% -58.06% 27.27% -14.29% -10.71% 69.23% -25.00% 45.83%
Operating Cash Flow Growth		 -96.81% -54.98% -116.85% -23.93% 244.68% 11.36% 428.04% -2.46% 276.23% -43.11% 35.69%
Free Cash Flow Firm Growth		 38.57% 77.03% 98.80% -253.37% 98.20% 176.61% 1,687.56% 110.43% 3,291.89% 60.59% 112.79%
Invested Capital Growth		 20.35% 9.00% 1.03% 0.00% 0.53% -5.50% -7.28% -9.94% -8.98% -9.82% -17.08%
Revenue Q/Q Growth		 -2.44% -2.51% 5.43% 0.00% 0.94% 5.36% -3.53% -0.19% 1.01% 0.36% 7.27%
EBITDA Q/Q Growth		 16.82% -23.60% 24.51% 0.00% -40.46% 58.47% -4.31% 9.35% -13.34% 0.29% 23.50%
EBIT Q/Q Growth		 21.53% -30.08% 30.40% 0.00% -54.48% 116.83% -13.11% 18.60% -25.05% -6.78% 53.85%
NOPAT Q/Q Growth		 21.51% -30.17% 30.64% 0.00% -54.11% 112.96% -12.44% 3.38% -14.57% -5.71% 61.30%
Net Income Q/Q Growth		 21.51% -30.17% 30.64% 0.00% -54.11% 112.96% -12.44% 3.38% -14.57% -5.71% 61.30%
EPS Q/Q Growth		 24.00% -29.03% 27.27% 0.00% -53.57% 115.38% -14.29% 4.17% -12.00% -4.55% 66.67%
Operating Cash Flow Q/Q Growth		 -97.21% 3,073.40% -125.34% 438.49% -87.34% 925.31% -25.35% 0.65% -51.16% 55.05% 78.04%
Free Cash Flow Firm Q/Q Growth		 -124.71% 52.95% 93.73% 0.00% 99.71% 2,097.08% 29.86% 38.32% -11.02% 0.48% 72.06%
Invested Capital Q/Q Growth		 0.00% -2.06% 1.08% 0.00% -1.31% -7.93% -0.82% -0.05% -0.26% -8.79% -8.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.30% 30.80% 36.37% 37.74% 22.26% 33.48% 33.21% 36.39% 31.22% 31.20% 35.92%
EBIT Margin		 31.35% 22.48% 27.81% 28.26% 12.74% 26.23% 23.62% 28.07% 20.83% 19.35% 27.75%
Profit (Net Income) Margin		 22.19% 15.89% 19.69% 19.97% 9.08% 18.35% 16.66% 17.25% 14.59% 13.71% 20.62%
Tax Burden Percent		 70.78% 70.69% 70.81% 70.66% 71.24% 69.97% 70.51% 61.46% 70.05% 70.85% 74.29%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.22% 29.31% 29.19% 29.34% 28.76% 30.03% 29.49% 38.54% 29.95% 29.15% 25.71%
Return on Invested Capital (ROIC)		 2.62% 1.79% 2.09% 4.05% 0.94% 2.03% 1.83% 1.88% 1.61% 1.64% 2.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.62% 1.79% 2.09% 4.05% 0.94% 2.03% 1.83% 1.88% 1.61% 1.64% 2.64%
Return on Net Nonoperating Assets (RNNOA)		 4.28% 3.04% 3.81% 7.81% 1.77% 3.54% 3.20% 3.37% 2.89% 2.57% 3.84%
Return on Equity (ROE)		 6.91% 4.83% 5.90% 11.86% 2.70% 5.56% 5.03% 5.25% 4.50% 4.21% 6.48%
Cash Return on Invested Capital (CROIC)		 -16.11% -6.55% 0.98% -196.05% 1.14% 7.51% 9.32% 12.13% 11.24% 12.19% 20.81%
Operating Return on Assets (OROA)		 0.98% 0.67% 0.83% 0.87% 0.38% 0.81% 0.73% 0.89% 0.66% 0.61% 0.91%
Return on Assets (ROA)		 0.70% 0.48% 0.59% 0.61% 0.27% 0.56% 0.52% 0.54% 0.46% 0.43% 0.67%
Return on Common Equity (ROCE)		 6.91% 4.83% 5.90% 11.86% 2.70% 5.56% 5.03% 5.25% 4.50% 4.21% 6.48%
Return on Equity Simple (ROE_SIMPLE)		 6.20% 5.56% 0.00% 5.78% 4.84% 5.11% 0.00% 4.70% 5.18% 4.82% 0.00%
Net Operating Profit after Tax (NOPAT)		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
NOPAT Margin		 22.19% 15.89% 19.69% 19.97% 9.08% 18.35% 16.66% 17.25% 14.59% 13.71% 20.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 62.17% 62.41% 59.53% 64.11% 65.69% 61.80% 63.85% 64.36% 63.72% 63.99% 60.69%
Operating Expenses to Revenue		 76.11% 76.20% 72.31% 79.06% 81.15% 77.64% 78.06% 78.35% 80.77% 77.35% 73.15%
Earnings before Interest and Taxes (EBIT)		 3.03 2.12 2.76 2.69 1.22 2.65 2.31 2.74 2.05 1.91 2.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.79 2.90 3.61 3.59 2.14 3.39 3.24 3.55 3.07 3.08 3.81
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.65 0.69 0.63 0.76 0.84 0.73 0.79 0.81 0.80 0.81 0.85
Price to Tangible Book Value (P/TBV)		 0.65 0.69 0.63 0.76 0.84 0.73 0.79 0.81 0.80 0.81 0.85
Price to Revenue (P/Rev)		 2.10 2.27 2.11 2.56 2.80 2.41 2.61 2.64 2.59 2.62 2.66
Price to Earnings (P/E)		 10.53 12.36 11.16 13.15 17.30 14.31 16.26 17.16 15.47 16.86 16.04
Dividend Yield		 4.62% 4.35% 4.69% 3.90% 3.52% 3.98% 3.65% 3.56% 3.55% 3.47% 3.28%
Earnings Yield		 9.50% 8.09% 8.96% 7.60% 5.78% 6.99% 6.15% 5.83% 6.46% 5.93% 6.24%
Enterprise Value to Invested Capital (EV/IC)		 0.75 0.75 0.73 0.79 0.82 0.75 0.77 0.78 0.77 0.74 0.76
Enterprise Value to Revenue (EV/Rev)		 6.96 6.93 6.93 7.79 8.00 6.61 6.71 6.81 6.61 5.86 5.36
Enterprise Value to EBITDA (EV/EBITDA)		 19.07 20.13 19.88 21.59 25.14 20.34 21.17 21.70 19.69 17.75 15.89
Enterprise Value to EBIT (EV/EBIT)		 24.11 26.07 25.92 28.32 35.01 27.76 29.49 29.96 26.76 25.52 22.27
Enterprise Value to NOPAT (EV/NOPAT)		 34.88 37.80 36.62 40.03 49.45 39.32 41.84 44.28 39.52 37.67 32.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 19.23 24.92 47.35 61.43 60.19 47.50 30.13 31.00 27.40 28.41 23.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 74.65 0.00 72.35 9.72 7.91 6.11 6.49 5.75 3.30
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.87 1.81 1.84 1.93 1.91 1.67 1.66 1.66 1.67 1.45 1.24
Long-Term Debt to Equity		 1.87 1.81 1.84 1.93 1.91 1.67 1.66 1.66 1.67 1.45 1.24
Financial Leverage		 1.63 1.70 1.82 1.93 1.89 1.74 1.75 1.79 1.79 1.56 1.45
Leverage Ratio		 9.93 10.14 10.03 9.70 9.90 9.87 9.74 9.65 9.69 9.70 9.63
Compound Leverage Factor		 9.93 10.14 10.03 9.70 9.90 9.87 9.74 9.65 9.69 9.70 9.63
Debt to Total Capital		 65.16% 64.47% 64.73% 65.81% 65.62% 62.59% 62.37% 62.40% 62.56% 59.25% 55.44%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 65.16% 64.47% 64.73% 65.81% 65.62% 62.59% 62.37% 62.40% 62.56% 59.25% 55.44%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.84% 35.53% 35.27% 34.19% 34.38% 37.41% 37.63% 37.60% 37.44% 40.75% 44.56%
Debt to EBITDA		 16.50 17.37 17.61 17.97 20.07 16.94 17.24 17.30 16.08 14.22 11.63
Net Debt to EBITDA		 13.31 13.55 13.82 14.50 16.35 12.94 12.94 13.29 11.98 9.81 7.99
Long-Term Debt to EBITDA		 16.50 17.37 17.61 17.97 20.07 16.94 17.24 17.30 16.08 14.22 11.63
Debt to NOPAT		 30.18 32.61 32.44 33.32 39.47 32.75 34.06 35.30 32.28 30.19 23.60
Net Debt to NOPAT		 24.35 25.43 25.46 26.88 32.15 25.02 25.58 27.11 24.04 20.82 16.20
Long-Term Debt to NOPAT		 30.18 32.61 32.44 33.32 39.47 32.75 34.06 35.30 32.28 30.19 23.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -61 -29 -1.79 -377 -1.10 22 28 39 35 35 61
Operating Cash Flow to CapEx		 17.54% 755.19% -804.26% 1,496.49% 1,905.88% 11,455.17% 792.33% 5,672.73% 651.87% 1,303.45% 6,008.93%
Free Cash Flow to Firm to Interest Expense		 -12.43 -5.45 -0.33 -69.10 -0.21 4.20 5.45 7.54 6.97 7.49 13.10
Operating Cash Flow to Interest Expense		 0.02 0.57 -0.14 0.47 0.06 0.64 0.48 0.48 0.24 0.40 0.73
Operating Cash Flow Less CapEx to Interest Expense		 -0.09 0.49 -0.16 0.44 0.06 0.63 0.42 0.47 0.21 0.37 0.72
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 4.35 4.18 4.19 4.00 4.03 4.12 4.19 4.22 4.09 4.14 4.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 372 365 368 379 374 344 342 341 341 311 283
Invested Capital Turnover		 0.12 0.11 0.11 0.20 0.10 0.11 0.11 0.11 0.11 0.12 0.13
Increase / (Decrease) in Invested Capital		 63 30 3.75 379 1.97 -20 -27 -38 -34 -34 -58
Enterprise Value (EV)		 280 272 269 300 308 259 262 267 261 230 215
Market Capitalization		 85 89 82 98 108 94 102 104 102 103 107
Book Value per Share		 $18.56 $18.70 $18.89 $18.89 $19.02 $19.26 $19.41 $19.52 $19.69 $19.85 $20.18
Tangible Book Value per Share		 $18.56 $18.70 $18.89 $18.89 $19.02 $19.26 $19.41 $19.52 $19.69 $19.85 $20.18
Total Capital		 372 365 368 379 374 344 342 341 341 311 283
Total Debt		 243 235 239 250 246 216 213 213 213 184 157
Total Long-Term Debt		 243 235 239 250 246 216 213 213 213 184 157
Net Debt		 196 183 187 201 200 165 160 164 159 127 108
Capital Expenditures (CapEx)		 0.54 0.40 0.09 0.17 0.02 0.03 0.31 0.04 0.19 0.15 0.06
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 243 235 239 250 246 216 213 213 213 184 157
Total Depreciation and Amortization (D&A)		 0.77 0.78 0.85 0.90 0.91 0.73 0.94 0.81 1.02 1.17 0.87
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.31 $0.22 $0.28 $0.28 $0.13 $0.28 $0.24 $0.26 $0.22 $0.21 $0.35
Adjusted Weighted Average Basic Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M
Adjusted Diluted Earnings per Share		 $0.31 $0.22 $0.28 $0.28 $0.13 $0.28 $0.24 $0.25 $0.22 $0.21 $0.35
Adjusted Weighted Average Diluted Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.93M 6.88M 6.86M 6.76M 6.69M 6.62M 6.58M 6.47M 6.38M 6.25M 6.23M
Normalized Net Operating Profit after Tax (NOPAT)		 2.14 1.50 1.95 1.90 0.87 1.86 1.63 1.68 1.44 1.35 2.18
Normalized NOPAT Margin		 22.19% 15.89% 19.69% 19.97% 9.08% 18.35% 16.66% 17.25% 14.59% 13.71% 20.62%
Pre Tax Income Margin		 31.35% 22.48% 27.81% 28.26% 12.74% 26.23% 23.62% 28.07% 20.83% 19.35% 27.75%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.62 0.40 0.50 0.49 0.23 0.51 0.44 0.52 0.41 0.41 0.64
NOPAT to Interest Expense		 0.44 0.28 0.36 0.35 0.17 0.36 0.31 0.32 0.29 0.29 0.47
EBIT Less CapEx to Interest Expense		 0.51 0.33 0.49 0.46 0.23 0.50 0.38 0.52 0.37 0.38 0.62
NOPAT Less CapEx to Interest Expense		 0.33 0.21 0.34 0.32 0.16 0.35 0.25 0.31 0.25 0.26 0.46
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 48.93% 54.23% 52.88% 51.64% 61.69% 57.79% 60.21% 61.73% 55.85% 59.73% 53.97%
Augmented Payout Ratio		 95.10% 96.14% 88.26% 99.31% 123.39% 117.53% 131.32% 128.71% 124.77% 145.76% 143.88%

Financials Breakdown Chart

Key Financial Trends

Provident Financial’s latest quarter showed a meaningful improvement in profitability, although the balance sheet continues to contract gradually. Q4 2026 net income rose to $2.2 million, or $0.35 per diluted share, from $1.4 million, or $0.21 per share, in Q3 2026. Net income was also up from $1.6 million in Q4 2025. The improvement was driven by stronger revenue, lower credit-loss provisions and higher non-interest income.

  • Net interest income reached a new high in the provided period. Q4 2026 net interest income was $9.3 million, up from $8.9 million in Q4 2025 and $8.9 million in Q3 2026. Loan interest income increased to $14.2 million, although investment securities produced a negative $537,000 of interest income in the quarter.
  • Non-interest income improved sharply. Total non-interest income rose to $1.3 million in Q4 2026, compared with $880,000 in Q4 2025 and $713,000 in Q3 2026. Other service charges were particularly strong at $690,000, versus $270,000 a year earlier.
  • Credit costs became a benefit in the latest quarter. Provident reported a $95,000 provision benefit in Q4 2026, compared with a $326,000 provision expense in Q3 2026. This helped lift pretax income to $2.9 million from $1.9 million in the prior quarter.
  • Operating cash flow strengthened. Cash generated from operating activities increased to $3.4 million in Q4 2026 from $2.5 million in Q4 2025 and $1.9 million in Q3 2026. This indicates that accounting earnings were supported by positive cash generation.
  • Debt has declined from earlier levels. Long-term debt was $184.1 million at March 31, 2026, down from $249.5 million at September 30, 2023. The company also repaid $42.0 million of debt during Q4 2026, partially offset by $15.0 million of new debt issuance.
  • Share repurchases continued to reduce the share count. Weighted-average diluted shares declined to 6.2 million in Q4 2026 from 6.6 million in Q4 2025 and 6.9 million in Q4 2024. Continued repurchases can support per-share earnings when profitability is stable or improving.
  • The latest investing cash inflow was primarily driven by portfolio activity. Investing activities generated $1.3 million in Q4 2026, including $4.8 million from the sale or maturity of investments. This supports liquidity, but may not represent recurring operating growth.
  • Dividends have remained consistent at $0.14 per share. The dividend was unchanged in the reported 2025 and 2026 quarters. Q4 2026 dividend payments of $874,000 were covered by quarterly net income of $2.2 million, although investors should continue monitoring cash generation because the company also repurchases shares.
  • Cash declined materially in the latest quarter. Net cash and equivalents fell by $7.9 million during Q4 2026 despite positive operating and investing cash flow. The decrease primarily reflected debt repayments, share repurchases, dividends and other financing outflows.
  • The balance sheet has continued to shrink. Total assets declined to $1.22 billion at March 31, 2026, from $1.31 billion at September 30, 2023. Mortgage servicing rights, the company’s largest asset, fell to $1.03 billion from $1.07 billion over the same period, while total deposits also declined. This contraction may limit future revenue growth if it persists.

Overall, the latest results point to near-term earnings momentum: net interest income is improving, fee income rebounded and credit costs were favorable. However, Provident Financial remains dependent on a balance sheet dominated by mortgage servicing rights and continues to experience declining assets and deposits. Investors should watch whether the recent increase in profitability can be sustained without relying on investment sales, financing activity or temporary credit-loss benefits.

09/04/26 02:02 AM ETAI Generated. May Contain Errors.

Provident Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Provident Financial's fiscal year ends in June. Their fiscal year 2026 ended on June 30, 2026.

Provident Financial's net income appears to be on an upward trend, with a most recent value of $6.66 million in 2026, falling from $7.47 million in 2016. The previous period was $6.26 million in 2025. See where experts think Provident Financial is headed by visiting Provident Financial's forecast page.

Over the last 10 years, Provident Financial's total revenue changed from $69.39 million in 2016 to $40.05 million in 2026, a change of -42.3%.

Provident Financial's total liabilities were at $1.08 billion at the end of 2026, a 3.1% decrease from 2025, and a 4.2% increase since 2016.

In the past 10 years, Provident Financial's cash and equivalents has ranged from $23.41 million in 2022 to $116.03 million in 2020, and is currently $49.21 million as of their latest financial filing in 2026.

Over the last 10 years, Provident Financial's book value per share changed from 16.32 in 2016 to 20.18 in 2026, a change of 23.7%.


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Financial statements for NASDAQ:PROV last updated on 9/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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