Provident Financial Holdings Inc (PROV)
Operating cash flow minus capital spending left $8.5M of free cash flow in fiscal 2026. At September 30, 2026 it held $53.2M in cash against $172M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Provident Financial Holdings Inc
- Net worth
- Provident Financial Holdings Inc has a market value (market cap) of $113.7M at the latest share price, and shareholders' equity of $125.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2026 operations brought in $9M of cash; after $432K of capital spending, free cash flow was $8.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Provident Financial Holdings Inc's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Provident Financial Holdings Inc paid dividends of $0.56 per share in fiscal 2026, a yield of 3.08% at the current price.
What Provident Financial Holdings Inc does
Provident Financial Holdings Inc is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker PROV.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2026 | n/a | $6.7M | $1.03 | $8.5M |
| 2025 | n/a | $6.3M | $0.93 | $8.2M |
| 2024 | n/a | $7.4M | $1.06 | $4.1M |
| 2023 | n/a | $8.6M | $1.19 | $15.6M |
| 2022 | n/a | $9.1M | $1.22 | $11.6M |
| 2021 | n/a | $7.6M | $1.00 | $11.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Provident Financial Holdings Inc paid $0.56 per share in fiscal 2026. At the current price that is a yield of 3.08%. It paid out $3.6M in cash dividends, 54% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2026 | $0.56 | $3.6M | 54% |
| 2025 | $0.56 | $3.8M | 60% |
| 2024 | $0.56 | $3.9M | 53% |
| 2023 | $0.56 | $4M | 47% |
| 2022 | $0.56 | $4.1M | 46% |
| 2021 | $0.56 | $4.2M | 55% |
Latest SEC filings
What Provident Financial Holdings Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- October 27, 2026
- October 23, 2026Other event 8-K
- October 23, 2026Other event 8-K
- October 9, 2026Proxy statement DEF 14A
- September 2, 2026
- July 28, 2026
- July 24, 2026Other event 8-K
- July 24, 2026
- May 28, 2026
Insider trades
What the people running Provident Financial Holdings Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $103.7K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 5, 2026 | Blunden Craig GDirector | Sold | 5,700 | $103.7K |
| August 12, 2026 | Wertz GwendolynSenior Vice President | Shares withheld for tax | 601 | $10.8K |
| August 12, 2026 | Ternes Donavon PPresident & CEO | Shares withheld for tax | 1,346 | $24.3K |
| August 12, 2026 | Sunarto Haryanto LeeVice President | Shares withheld for tax | 357 | $6.4K |
| August 12, 2026 | Ritter Robert ScottSenior Vice President | Shares withheld for tax | 601 | $10.8K |
| August 12, 2026 | Van Stockum Michael ScottSenior Vice President | Shares withheld for tax | 272 | $4.9K |
| July 30, 2026 | Webb MatthewDirector | Exercised options | 7,000 | $84.6K |
| July 23, 2026 | Van Stockum Michael ScottSenior Vice President | Received as pay | 6,000 | - |
Who owns PROV
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Provident Savings Bank, FSB Employee Stock Ownership Plan13G, passive | 10.1% | March 3, 2025 |
| Raffles Associates LP13G, passive | 6.14% | February 17, 2026 |
| Fourthstone LLC13G, passive with 5 related filers | 5.44% | February 13, 2026 |
Largest institutional holders
Insiders
8 insiders reported holding 818,311 shares in total, about $14.9M at the last price.
| Holder | Shares |
|---|---|
| Blunden Craig GDirector | 411,327 |
| Ternes Donavon PPresident & CEO | 219,909 |
| Ritter Robert ScottSenior Vice President | 85,491 |
| Wertz GwendolynSenior Vice President | 57,304 |
| Van Stockum Michael ScottSenior Vice President | 20,374 |
| Sunarto Haryanto LeeVice President | 9,731 |
| Webb MatthewDirector | 8,000 |
| Weiant DavidSenior Vice President | 6,175 |
Questions about PROV
What does Provident Financial Holdings Inc do?
Provident Financial Holdings Inc is a company in the Finance sector, listed on NASDAQ as PROV. Its shares trade on NASDAQ under the ticker PROV.
What is Provident Financial Holdings Inc's net worth?
Provident Financial Holdings Inc has a market value (market cap) of $113.7M at the latest share price, and shareholders' equity of $125.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Provident Financial Holdings Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $6.5M.
When did Provident Financial Holdings Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 9, 2026.
When is Provident Financial Holdings Inc's next earnings report?
Provident Financial Holdings Inc's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Provident Financial Holdings Inc pay a dividend?
Yes. Provident Financial Holdings Inc paid dividends of $0.56 per share in fiscal 2026, a yield of 3.08% at the current price.
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Where the numbers come from
Financial figures are the values Provident Financial Holdings Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.