Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 60M | 59M | 50M | 39M | 40M |
| Gross Profit | 40M | 39M | 41M | 39M | 36M |
| Operating Income | 9M | 10M | 12M | 13M | 10M |
| EBITDA | 12M | 14M | 16M | 18M | 16M |
| Net Income | 6M | 7M | 9M | 9M | 8M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$16.84
-1.46% today
1Y Change
+7.77%
Window
Jun 23, 2025 → Jun 5, 2026
Coverage: 240 bars · Jun 23, 2025 → Jun 5, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Provident Financial Holdings, Inc. (PROV) is a Financial Services stock with a market cap of $110.00M and listed on NASDAQ. The stock last traded around $16.84 and up 7.8% across the available one-year price window (Jun 23, 2025 → Jun 5, 2026). Baseline metrics include revenue growth of +2.5%, EPS growth of -12.3%, a dividend yield of 3.3%. What stands out right now is revenue +2.5%, EPS -12.3%, free cash flow +99.1% with operating margin 15.2% and ROIC 0.5%. The dividend matters to the case here, with a current yield around 3.3%. Valuation is more restrained than many high-expectation growth names at P/E 17.9 and price/sales 1.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PROV price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PROV
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PROV Max Drawdown
-6.19%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PROV and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$39.8M
+0.8% YoY
FY Net Income
$7.6M
-16.8% YoY
Free Cash Flow
$11.3M
-2.4% YoY
Revenue Growth
+2.5%
EPS Growth
-12.3%
Gross Margin
67.1%
Net Margin
10.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 60M | 59M | 50M | 39M | 40M |
| Gross Profit | 40M | 39M | 41M | 39M | 36M |
| Operating Income | 9M | 10M | 12M | 13M | 10M |
| EBITDA | 12M | 14M | 16M | 18M | 16M |
| Net Income | 6M | 7M | 9M | 9M | 8M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 53M | 51M | 66M | 23M | 70M |
| Total Assets | 1.2B | 1.3B | 1.3B | 1.2B | 1.2B |
| Total Liabilities | 1.1B | 1.1B | 1.2B | 1.1B | 1.1B |
| Shareholder Equity | 129M | 130M | 130M | 129M | 127M |
| Total Debt | 213M | 239M | 235M | 85M | 101M |
| Net Debt | 160M | 187M | 169M | 62M | 31M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
12M
-1.9% YoY
Capital Expenditures
225K
-36.4% YoY
Free Cash Flow
11M
-2.4% YoY
Key ratios
Gross Margin
67.1%
Operating Margin
15.2%
Net Margin
10.3%
ROE
4.8%
Debt / Equity
1.45x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.