Provident Financial Holdings, Inc. (PROV) Financial Statements

Income statement

Metric	TTM	2026	2025	2024	2023
Revenue
Total Revenue	59.6M	59.6M	60.2M	58.7M	50.1M
Cost of Revenue	19.0M	19.0M	20.5M	19.7M	9.4M
Gross Profit	40.6M	40.6M	39.7M	38.9M	40.7M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	22.5M	24.6M	20.5M	19.1M	19.0M
General & Admin Expense	22.1M	24.6M	19.7M	18.4M	18.4M
Selling & Marketing Expense	485.0K	—	714.0K	709.0K	622.0K
Other Expenses	8.4M	6.4M	10.3M	9.4M	9.3M
Total Operating Expenses	31.0M	31.0M	30.8M	28.5M	28.3M
Cost and Expenses	50.0M	50.0M	51.3M	48.3M	37.7M
Operating Income (EBIT)	9.6M	9.6M	8.9M	10.4M	12.4M
Non-Operating
Interest Income	55.9M	55.9M	56.6M	54.7M	46.0M
Interest Expense	19.6M	19.6M	21.2M	19.8M	9.0M
Net Interest Income	36.3M	36.3M	35.5M	34.9M	37.0M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	9.6M	9.6M	8.9M	10.4M	12.4M
Income Tax Expense	3.0M	3.0M	2.6M	3.0M	3.8M
Bottom Line
Net Income	6.7M	6.7M	6.3M	7.4M	8.6M
Earnings from Cont. Ops	6.7M	6.7M	6.3M	7.4M	8.6M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	6.7M	6.7M	6.3M	7.4M	8.6M
Per Share
Basic EPS	$1.03	$1.04	$0.93	$1.06	$1.20
Diluted EPS	$1.02	$1.03	$0.93	$1.06	$1.19
Revenue Per Share	$9.36	$9.36	$8.96	$8.45	$7.01
Shares
Basic Shares Outstanding	6.4M	6.4M	6.7M	6.9M	7.1M
Diluted Shares Outstanding	6.4M	6.4M	6.8M	7.0M	7.2M
Profitability Metrics
EBITDA	12.6M	9.6M	12.4M	13.5M	15.6M
D&A	3.0M	—	3.5M	3.2M	3.2M
EBIT	9.6M	9.6M	8.9M	10.4M	12.4M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026