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Stocks · Financials · Savings Institution, Federally Chartered

PROVIDENT FINANCIAL HOLDINGS INC

PROV Clue Score38
United States Fiscal year ends June CIK 0001010470
$18.26 -1.19% Close, 9 Oct 2026
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Price $18.26 +9.80% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2017Net income5.2EPS, diluted0.64Fiscal year 2018Net income2.1 −59.1%EPS, diluted0.28Fiscal year 2019Net income4.4 +107.3%EPS, diluted0.58Fiscal year 2020Net income7.7 +74.1%EPS, diluted1.01Fiscal year 2021Net income7.6 −1.7%EPS, diluted1.00Fiscal year 2022Net income9.1 +20.3%EPS, diluted1.22Fiscal year 2023Net income8.6 −5.5%EPS, diluted1.19Fiscal year 2024Net income7.4 −14.4%EPS, diluted1.06Fiscal year 2025Net income6.3 −14.9%EPS, diluted0.93Fiscal year 2026Net income6.7 +6.4%EPS, diluted1.03
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Net income 5.2 2.1 4.4 7.7 7.6 9.1 8.6 7.4 6.3 6.7
Growth −59.1% +107.3% +74.1% −1.7% +20.3% −5.5% −14.4% −14.9% +6.4%
EPS, diluted 0.64 0.28 0.58 1.01 1.00 1.22 1.19 1.06 0.93 1.03

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow83.4Capital expenditure−1.5Free cash flow82.0Buybacks−8.7Dividends paid−4.1Fiscal year 2018Operating cash flow28.0Capital expenditure−2.9Free cash flow25.1 −69.4%Buybacks−7.3Dividends paid−4.2Fiscal year 2019Operating cash flow107.1Capital expenditure−0.4Free cash flow106.6 +325.3%Buybacks−1.4Dividends paid−4.2Fiscal year 2020Operating cash flow8.0Capital expenditure−0.2Free cash flow7.7 −92.8%Buybacks−1.3Dividends paid−4.2Fiscal year 2021Operating cash flow11.6Capital expenditure−0.2Free cash flow11.3 +46.9%Buybacks−2.3Dividends paid−4.2Fiscal year 2022Operating cash flow11.8Capital expenditure−0.2Free cash flow11.6 +2.5%Buybacks−4.3Dividends paid−4.1Fiscal year 2023Operating cash flow16.3Capital expenditure−0.7Free cash flow15.6 +34.0%Buybacks−4.6Dividends paid−4.0Fiscal year 2024Operating cash flow5.7Capital expenditure−1.6Free cash flow4.1 −73.7%Buybacks−2.6Dividends paid−3.9Fiscal year 2025Operating cash flow8.7Capital expenditure−0.5Free cash flow8.2 +99.1%Buybacks−4.4Dividends paid−3.8Fiscal year 2026Operating cash flow9.0Capital expenditure−0.4Free cash flow8.5 +4.7%Buybacks−6.0Dividends paid−3.6
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow 83.4 28.0 107.1 8.0 11.6 11.8 16.3 5.7 8.7 9.0
Capital expenditure −1.5 −2.9 −0.4 −0.2 −0.2 −0.2 −0.7 −1.6 −0.5 −0.4
Free cash flow 82.0 25.1 106.6 7.7 11.3 11.6 15.6 4.1 8.2 8.5
Growth −69.4% +325.3% −92.8% +46.9% +2.5% +34.0% −73.7% +99.1% +4.7%
Buybacks −8.7 −7.3 −1.4 −1.3 −2.3 −4.3 −4.6 −2.6 −4.4 −6.0
Dividends paid −4.1 −4.2 −4.2 −4.2 −4.2 −4.1 −4.0 −3.9 −3.8 −3.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2017Cash72.8Shareholders’ equity128.2Fiscal year 2018Cash43.3Shareholders’ equity120.5Fiscal year 2019Cash70.6Shareholders’ equity120.6Fiscal year 2020Cash116.0Shareholders’ equity124.0Fiscal year 2021Cash70.3Shareholders’ equity127.3Fiscal year 2022Cash23.4Shareholders’ equity128.7Fiscal year 2023Cash65.8Shareholders’ equity129.7Fiscal year 2024Cash51.4Shareholders’ equity129.9Fiscal year 2025Cash53.1Shareholders’ equity128.5Fiscal year 2026Cash49.2Shareholders’ equity126.2
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash 72.8 43.3 70.6 116.0 70.3 23.4 65.8 51.4 53.1 49.2
Shareholders’ equity 128.2 120.5 120.6 124.0 127.3 128.7 129.7 129.9 128.5 126.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2026 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending June, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 30 Jun 2017 FY2018 30 Jun 2018 FY2019 30 Jun 2019 FY2020 30 Jun 2020 FY2021 30 Jun 2021 FY2022 30 Jun 2022 FY2023 30 Jun 2023 FY2024 30 Jun 2024 FY2025 30 Jun 2025 FY2026 30 Jun 2026
Spending
n/a 61.4% 25.4% 29.5% 25.8% 29.3% 30.8% 29.2% 29.5% 30.9%
Returns
4.1% 1.8% 3.7% 6.2% 5.9% 7.1% 6.6% 5.7% 4.9% 5.3%
0.4% 0.2% 0.4% 0.7% 0.6% 0.8% 0.6% 0.6% 0.5% 0.6%
Balance and payout
89.3% 89.8% 88.9% 89.5% 89.2% 89.2% 90.3% 89.8% 89.7% 89.6%
79.1% 198.4% 95.0% 54.4% 55.2% 45.6% 46.5% 52.9% 60.2% 54.0%
15.7% 46.2% 5.3% 70.8% 57.4% 72.7% 55.5% 158.4% 100.7% 112.1%