Filing Flows › Provident Financial Holdings (PROV) › Q1 FY27
Provident Financial Holdings (PROV) Q1 FY27 earnings results (first quarter fiscal 2027)
10-Q filed Nov 6, 2026
Provident Financial Holdings (PROV) reported revenue of $10.6M for the first quarter fiscal 2027 (Q1 FY27), +9% from a year earlier and -0.2% from the quarter before. Operating margin was 20.6%, net earnings $1.6M (14.9% of revenue).
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 follows the revenue to costs, profit and cash.
| Q1 FY27 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $10.6M | -0.2% | +9% |
| Operating profit | $2.2M | -26% | -20% |
| Net earnings | $1.6M | -28% | -6% |
| Operating cash flow | $4.4M | +30% | +76% |
| Free cash flow | $4.3M | +29% | +74% |
What changed
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.
Questions
What was Provident Financial Holdings' revenue in the first quarter fiscal 2027?
Provident Financial Holdings (PROV) reported revenue of $10.6M for the first quarter fiscal 2027 (Q1 FY27), +9% from a year earlier and -0.2% from the quarter before.
Was Provident Financial Holdings profitable in the first quarter fiscal 2027?
Operating profit was $2.2M (20.6% of revenue) and net earnings $1.6M.