Filing Flows › Provident Financial Holdings (PROV) › Q1 FY27 › vs Q1 FY26
Provident Financial Holdings (PROV) Q1 FY27 vs Q1 FY26 (year over year)
Provident Financial Holdings's revenue rose $831K (+9%) from $9.7M in Q1 FY26 to $10.6M in Q1 FY27. The biggest changes: Net interest income +$840K (+9%); Noninterest income −$9K (-1%). Operating margin 20.6% against 28.1% (-7.5 pts).
Provident Financial Holdings, Q1 FY27: revenue $10.6M (+8% year over year), operating margin 20.6%, net earnings $1.6M, operating cash flow $4.4M. The chart draws each line against Q1 FY26, the increases inside each band.
Margins
| Q1 FY27 | Q1 FY26 | Change | |
|---|---|---|---|
| Operating margin | 20.6% | 28.1% | -7.5 pts |
| Net margin | 14.9% | 17.3% | -2.4 pts |
| Free cash flow margin | 40.2% | 25.2% | +15.1 pts |
Every line
| Line | Q1 FY27 | Q1 FY26 | Change | % |
|---|---|---|---|---|
| Net interest income | $9.8M | $8.9M | $840K | +9% |
| Noninterest income | $804K | $813K | −$9K | -1% |
| Revenue | $10.6M | $9.7M | $831K | +9% |
| Operating profit | $2.2M | $2.7M | −$557K | -20% |
| Costs & expenses | $8.4M | $7.0M | $1.4M | +20% |
| Pre-tax earnings | $2.2M | $2.7M | −$557K | -20% |
| Credit loss provision | $777K | −$626K | $1.4M | — |
| Noninterest expense | $7.6M | $7.6M | −$15K | -0.2% |
| Net earnings | $1.6M | $1.7M | −$108K | -6% |
| Income tax | $605K | $1.1M | −$449K | -43% |
| Depreciation & amortization | $869K | $810K | $59K | +7% |
| Share-based compensation | $143K | $123K | $20K | +16% |
| Working capital & other | $1.8M | −$118K | $1.9M | — |
| Operating cash flow | $4.4M | $2.5M | $1.9M | +76% |
| Free cash flow (OCF − capex) | $4.3M | $2.5M | $1.8M | +74% |
| Capital expenditures | $125K | $44K | $81K | +184% |
Questions
How much did Provident Financial Holdings's revenue grow year over year in Q1 FY27?
Provident Financial Holdings's revenue rose $831K (+9%) from $9.7M in Q1 FY26 to $10.6M in Q1 FY27.
What drove Provident Financial Holdings's revenue change in Q1 FY27?
Net interest income +$840K (+9%); Noninterest income −$9K (-1%).