Provident Financial Holdings Inc (NASDAQ:PROV)
Insiders here have filed 6 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $59.6M
- Net income
- $6.7M
- Net margin
- 11.2%
Heavily indebted for what it earns.
- Total debt
- $157.0M
- Cash
- $49.2M
- Net debt / EBITDA
- 8.53x
Owes more within a year than it holds to pay it.
- Current assets
- $53.5M
- Current liabilities
- $112.0M
- Current ratio
- 0.48
The business funds itself from operations.
- Operating cash flow
- $9.0M
- Free cash flow
- $8.8M
- FCF margin
- 14.7%
Not funding itself by issuing shares.
- Shares outstanding
- 6.4M
- Share growth (1y)
- -3.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PROV Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 15.22 M | 14.57 M | 14.87 M | 14.96 M | 14.98 M | 15.34 M |
| Revenue Growth (YoY) | 1.58 % | -4.98 % | 0.01 % | -0.10 % | -2.63 % | 4.65 % |
| Cost of Revenue | 4.53 M | 5.02 M | 4.87 M | 4.59 M | 5.05 M | 4.83 M |
| Gross Profit | 10.69 M | 9.55 M | 10.00 M | 10.37 M | 9.93 M | 10.51 M |
| SG&A Expense | 6.20 M | 5.15 M | 6.11 M | 5.08 M | 5.12 M | 5.15 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 7.75 M | 7.64 M | 7.95 M | 7.63 M | 7.62 M | 7.86 M |
| Operating Income | 2.94 M | 1.91 M | 2.05 M | 2.73 M | 2.31 M | 2.65 M |
| Pretax Income | 2.94 M | 1.91 M | 2.05 M | 2.73 M | 2.31 M | 2.65 M |
| Tax Provision | 756.00 K | 557.00 K | 614.00 K | 1.05 M | 680.00 K | 797.00 K |
| Net Income | 2.18 M | 1.35 M | 1.44 M | 1.68 M | 1.63 M | 1.86 M |
| EPS (Basic) | 0.34 | 0.21 | 0.22 | 0.26 | 0.25 | 0.28 |
| EPS (Diluted) | 0.34 | 0.21 | 0.22 | 0.25 | 0.24 | 0.28 |
| Shares Outstanding | 6.37 M | 6.37 M | 6.46 M | 6.46 M | 6.60 M | 6.68 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.