Filing Flows › Financials › Provident Financial Holdings (PROV)
Provident Financial Holdings (PROV) earnings and revenue breakdown
Latest: Q1 FY27 · 10-Q filed Nov 6, 2026 · Provident Financial Holdings (PROV) Q1 FY27 earnings results →
Q1 FY27 Revenue up 8% year over year to $10.6M · 15¢ of every $1 of revenue kept as net profit · operating margin 20.6%
Provident Financial Holdings made $10.6M in Q1 FY27 (+8% Y/Y): Net interest income $9.8M, Noninterest income $804K. Operating margin 20.6%, net earnings $1.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
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What changed this quarter
Revenue was $10.6M in Q1 FY27, up 9% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $840K year over year (up 9%), 101% of the total change. Noninterest income declined 1%.
Operating profit was $2.2M, a 20.6% margin (down 7.5 points year over year). Operating profit fell $557K even though revenue rose $831K versus a year earlier, so costs grew faster than sales. Total costs grew 20% against revenue growth of 9%. Net earnings were $1.6M, down 6% year over year. The effective tax rate was 27.8%.
Operating cash flow was $4.4M (up 76% year over year), 279% of net earnings. Non-cash charges added back $869K of depreciation and amortization and $143K of share-based compensation. Working capital and other items added $1.8M. Capital expenditures of $125K left free cash flow of $4.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q1 FY27 | 10-Q | Nov 6, 2026 | $10.6M | +8% | 20.6% | $1.6M | $4.4M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Provident Financial Holdings
Provident Financial Holdings, Inc. (the “Corporation”), a Delaware corporation, was organized in January 1996 for the purpose of becoming the holding company of Provident Savings Bank, F.S.B. (the “Bank”) upon the Bank’s conversion from a federal mutual to a federal stock savings bank (“Conversion”). The Conversion was completed in June 1996. The Corporation is regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve”). At June 30, 2026, the Corporation had consolidated total assets of $1.21 billion, total deposits of $910.4 million and stockholders’ equity of $126.2 million. The Corporation has not engaged in any significant activity other than holding the stock of the Bank.
In its own words, from its 10-K, filed Sep 2, 2026.
Provident Financial Holdings against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 20.6% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PROV Provident Financial Holdings | Q1 FY27 | $10.6M | +8% | 20.6% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: Provident Financial Holdings 10-Q on SEC EDGAR · CIK 1010470 · Savings Institution, Federally Chartered
13F: who owns PROV and who is buying
More on PROV
History
Every quarter: Q1 FY27 results
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