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Provident Financial Holdings vs Nsts Bancorp: PROV and NSTS compared
Provident Financial Holdings is the larger company: $10.6M of revenue in its latest quarter (Q1 FY27) against $3.2M for Nsts Bancorp (Q2 2026). Nsts Bancorp is growing faster (+27% against +8% a year earlier). Provident Financial Holdings is more profitable, with an operating margin of 20.6% against -6.3%.
Where the money goes: PROV and NSTS
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.
Nsts Bancorp (NSTS) · Q2 2026
Nsts Bancorp, Q2 2026: revenue $3.2M (+27% year over year), operating margin -6.3%, net loss $204K, operating cash flow $2.9M. The chart follows the revenue to costs, profit and cash.
| Provident Financial Holdings (PROV) | Nsts Bancorp (NSTS) | |
|---|---|---|
| Latest quarter | Q1 FY27 | Q2 2026 |
| Revenue | $10.6M | $3.2M |
| Revenue growth, Y/Y | +8% | +27% |
| Operating margin | 20.6% | -6.3% |
| Net earnings | $1.6M | −$204K |
| Net margin | 14.9% | -6.3% |
| Operating cash flow | $4.4M | $2.9M |
| Free cash flow | $4.3M | $2.9M |
Where the revenue comes from
Provident Financial Holdings
- Net interest income: $9.8M (92%)
- Noninterest income: $804K (8%)
Questions
Which is bigger, Provident Financial Holdings or Nsts Bancorp?
Provident Financial Holdings is the larger company: $10.6M of revenue in its latest quarter (Q1 FY27) against $3.2M for Nsts Bancorp (Q2 2026).
Is Provident Financial Holdings or Nsts Bancorp growing faster?
Nsts Bancorp is growing faster (+27% against +8% a year earlier).
Which is more profitable, Provident Financial Holdings or Nsts Bancorp?
Provident Financial Holdings is more profitable, with an operating margin of 20.6% against -6.3%.
More: Provident Financial Holdings earnings · how Provident Financial Holdings makes money · Nsts Bancorp earnings · how Nsts Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Aug 13, 2026). Fiscal quarters can end on different dates. Not investment advice.