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First Capital vs Provident Financial Holdings: FCAP and PROV compared
First Capital is the larger company: $14.3M of revenue in its latest quarter (Q2 2026) against $10.6M for Provident Financial Holdings (Q1 FY27). First Capital is growing faster (+15% against +8% a year earlier). First Capital is more profitable, with an operating margin of 42.1% against 20.6%.
Where the money goes: FCAP and PROV
First Capital (FCAP) · Q2 2026
First Capital, Q2 2026: revenue $14.3M (+15% year over year), operating margin 42.1%, net earnings $4.8M, operating cash flow $4.3M. The chart follows the revenue to costs, profit and cash.
Provident Financial Holdings (PROV) · Q1 FY27
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.
| First Capital (FCAP) | Provident Financial Holdings (PROV) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q1 FY27 |
| Revenue | $14.3M | $10.6M |
| Revenue growth, Y/Y | +15% | +8% |
| Operating margin | 42.1% | 20.6% |
| Net earnings | $4.8M | $1.6M |
| Net margin | 33.3% | 14.9% |
| Operating cash flow | $4.3M | $4.4M |
| Free cash flow | $3.5M | $4.3M |
Where the revenue comes from
Provident Financial Holdings
- Net interest income: $9.8M (92%)
- Noninterest income: $804K (8%)
Questions
Which is bigger, First Capital or Provident Financial Holdings?
First Capital is the larger company: $14.3M of revenue in its latest quarter (Q2 2026) against $10.6M for Provident Financial Holdings (Q1 FY27).
Is First Capital or Provident Financial Holdings growing faster?
First Capital is growing faster (+15% against +8% a year earlier).
Which is more profitable, First Capital or Provident Financial Holdings?
First Capital is more profitable, with an operating margin of 42.1% against 20.6%.
More: First Capital earnings · how First Capital makes money · Provident Financial Holdings earnings · how Provident Financial Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 12, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.