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PROVIDENT FINANCIAL HOLDINGS INC

PROV

$17.92 ▼ -0.15 (-0.86%) at close

16 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

PROVIDENT FINANCIAL HOLDINGS INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $120.4M

Dividend Yield 3.12%

Revenue Growth 0.3% ↗

Op. Margin 22.8% ↘

ROIC None

FCF / Share None

Trailing P/E 19.3x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$39.00M

— +0.3% —

Net Income Profit after all expenses

$6.25M

↓ -14.9% —

Operating Margin Operating profit as % of sales

22.8%

↓ -14.9% 79th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.56 Latest / share

+0.0% YoY

+3.1% 12-yr CAGR

$0.40

FY 2014

$0.45

FY 2015

$0.12

FY 2016

$0.13

FY 2017

$0.56

FY 2018

$0.56

FY 2019

$0.56

FY 2020

$0.56

FY 2021

$0.56

FY 2022

$0.56

FY 2023

$0.56

FY 2024

$0.56

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Revenue Growth YoY (%)	0.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	-5.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-189%)	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	3.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	-14.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-333%)	-19.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-421%)	-12.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-315%)	-12.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-309%)	-4.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-197%)	18.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+201%)	-42.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-809%)	35.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+498%)	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	19.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+231%)	—
EPS Growth YoY (%)	-12.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-1.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	74.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	110.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-57.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-26.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-72.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	153.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-17.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	792.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-14.9% Weak ↓ Weak Declining Year-over-year change in net income	-14.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.5% Weak ↓ Weak Declining Year-over-year change in net income	20.3% Good ↓ Good Declining Year-over-year change in net income	-1.7% Weak ↓ Weak Declining Year-over-year change in net income	74.1% Excellent ↑ Excellent Improving Year-over-year change in net income	107.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-59.1% Weak ↓ Weak Declining Year-over-year change in net income	-30.3% Weak ↓ Weak Declining Year-over-year change in net income	-23.8% Weak ↓ Weak Declining Year-over-year change in net income	48.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-74.4% Weak ↓ Weak Declining Year-over-year change in net income	138.6% Excellent ↓ Excellent Declining Year-over-year change in net income	-18.2% Weak Weak Year-over-year change in net income	1085.7% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-10.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-15.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-15.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-9.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-13.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.6% Weak Weak Compound annual revenue growth over 3 years	20.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	-1.0% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-5.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-6.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-11.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-12.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-11.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.1% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-11.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.3% Weak Weak Compound annual revenue growth over 5 years	3.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	-8.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	27.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	53.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-13.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-36.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-28.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-16.7% Weak Weak Compound annual EPS growth over 3 years	165.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Operating Margin (%) (%)	22.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	26.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	30.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	35.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	28.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	26.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	11.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	9.5% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	29.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	61.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	16.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	18.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	20.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	21.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	8.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	3.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	7.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	10.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	13.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	10.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	23.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	17.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	1.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	6.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	5.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	5.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Revenue per Share (USD)	$5.81	$5.60	$5.75	$4.90	$4.72	$5.48	$6.77	$7.72	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	—	—
Basic EPS, GAAP (USD)	$0.93	$1.06	$1.20	$1.23	$1.01	$1.03	$0.59	$0.28	$0.66	$0.90	$1.09	$0.67	$2.43	$0.96	$1.16	$0.13
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.56	$0.56	$0.56	$0.56	$0.56	$0.56	$0.56	$0.56	$0.13	$0.12	$0.45	$0.40	$0.24	$0.14	$0.04	$0.04
Book Value per Share (USD)	$19.54	$18.98	$18.41	$17.66	$16.88	$16.67	$16.12	$16.23	$16.62	$16.73	$16.35	$15.66	$15.40	$13.34	$12.34	—
Tangible Book Value per Share (USD)	$19.54	$18.98	$18.41	$17.66	$16.88	$16.67	$16.12	$16.23	$16.62	$16.73	$16.35	$15.66	$15.40	$13.34	$12.34	—
Basic Weighted Avg Shares (shares)	6.72M	6.94M	7.14M	7.40M	7.46M	7.47M	7.48M	7.54M	7.92B	8.35B	9.00B	9.93B	10.60B	11.22B	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	19.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	13.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$128.54M	$129.94M	$129.69M	$128.65M	$127.28M	$123.98M	$120.64M	$120.46M	$128.23M	$133.45M	$141.14M	$145.86M	$159.97M	$144.78M	$140.92M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$39.00M	$38.86M	$41.06M	$36.31M	$35.21M	$40.92M	$50.68M	$58.20M	$66.56M	$69.39M	$73.66M	$62.40M	$108.56M	$79.88M	$74.11M	$61.84M
Depreciation Expense (USD)	$1.60M	$1.60M	$1.40M	$1.50M	$1.60M	$1.50M	$881.00K	$845.00K	$891.00K	$891.00K	$1.30M	$1.00M	$1.00M	$800.00K	—	—
Net Income, GAAP (USD)	$6.25M	$7.35M	$8.59M	$9.09M	$7.56M	$7.69M	$4.42M	$2.13M	$5.21M	$7.47M	$9.80M	$6.61M	$25.80M	$10.81M	$13.22M	$1.11M
Operating Cash Flow (USD)	$8.69M	$5.68M	$16.32M	$11.79M	$11.57M	$7.95M	$107.09M	$27.99M	$82.91M	$47.73M	$-57.77M	$48.52M	$55.06M	$-12.32M	$-2.41M	$969.00K

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.7%	2.8%	2.7%	2.6%	3.1%	3.5%	3.1%	3.0%	2.8%	2.8%	2.8%	2.8%	2.9%	2.9%	—
Efficiency Ratio (%) (%)	79.0%	73.4%	68.9%	71.4%	73.1%	70.6%	89.3%	91.4%	88.3%	84.0%	78.7%	86.8%	62.0%	69.3%	61.2%	61.7%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 16 years · 62 quarters

PROVIDENT FINANCIAL HOLDINGS INC

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