Saturday 17 October 2026
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Provident Financial Holdings, Inc.
PROV Financial Banks Regional
Provident Financial Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $59.6 million, down 0.90% from fiscal 2025. In the quarter to June 2026, revenue grew 1.58%, EPS grew 40.0%, free cash flow grew 52.7% and total debt fell 26.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years.
18.11
0.00
0.00%
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| Jun '26 | Jun '25 | Jun '24 | Jun '23 | Jun '22 | Jun '21 | Jun '20 | Jun '19 | Jun '18 | Jun '17 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 6 | 6 | 6 | 8 | 6 | 6 | 6 | 5 | 6 |
P/E ratio |
16.54 | 16.49 | 11.59 | 10.54 | 12.16 | 17.10 | 13.15 | 36.42 | 66.34 | 29.62 |
P/S ratio |
1.85 | 1.73 | 1.45 | 1.82 | 2.78 | 3.24 | 2.13 | 2.83 | 2.25 | 2.08 |
P/FCF ratio |
12.93 | 12.76 | 20.83 | 5.84 | 9.44 | 11.36 | 12.96 | 1.50 | 5.24 | 1.81 |
P/Operating CF |
32.80 | 41.98 | (112.87) | 20.30 | 24.74 | 50.60 | 24.74 | 4.61 | (31.32) | (18.50) |
P/B ratio |
0.87 | 0.81 | 0.66 | 0.70 | 0.85 | 1.01 | 0.81 | 1.33 | 1.20 | 1.19 |
Price to Tangible BV |
0.87 | 0.81 | 0.66 | 0.70 | 0.85 | 1.01 | 0.81 | 1.33 | 1.20 | 1.19 |
EV/Sales |
3.66 | 4.39 | 4.64 | 5.20 | 4.34 | 4.01 | 2.66 | 3.36 | 3.53 | 2.81 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
24.32 | 30.41 | 47.93 | 15.94 | 14.53 | 13.79 | 15.74 | 1.79 | 8.15 | 2.47 |
EV/FCF |
25.56 | 32.38 | 66.52 | 16.70 | 14.74 | 14.07 | 16.20 | 1.78 | 8.23 | 2.44 |
Quick Ratio |
0.05 | 0.06 | 0.06 | 0.07 | 0.02 | 0.07 | 0.13 | 0.08 | 0.05 | 0.08 |
Current Ratio |
1.17 | 1.22 | 1.23 | 1.18 | 0.99 | 0.97 | 1.12 | 1.11 | 1.13 | 1.16 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
13.00% | 17.11% | 18.75% | 17.63% | 7.16% | 8.53% | 11.99% | 9.32% | 10.73% | 10.51% |
Debt/Equity |
1.24 | 1.66 | 1.84 | 1.81 | 0.66 | 0.79 | 1.14 | 0.84 | 1.05 | 0.98 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.35 | 1.39 | 0.77 | 1.90 | 1.30 | 1.53 | 1.03 | 24.25 | 13.13 | 16.03 |
Capex/Depreciation |
(0.11) | (0.15) | (0.50) | (0.23) | (0.03) | (0.04) | (0.07) | 0.15 | (0.09) | 0.35 |
| 5.22% | 4.84% | 5.66% | 6.65% | 7.11% | 6.02% | 6.29% | 3.66% | 1.71% | 3.98% | |
| 0.54% | 0.50% | 0.56% | 0.68% | 0.77% | 0.64% | 0.68% | 0.39% | 0.18% | 0.44% | |
ROIC |
2.57% | 1.92% | 2.05% | 2.60% | 4.22% | 4.03% | 4.57% | 2.45% | 1.70% | 3.03% |
Return on Tangible Assets |
3.90% | 3.00% | 3.43% | 4.57% | 502.38% | (34.80%) | 6.38% | 4.46% | 1.70% | 3.30% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
51.02% | 50.08% | 48.54% | 57.21% | 59.46% | 62.92% | 63.90% | 78.68% | 81.52% | 78.84% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.00% | 0.90% | 0.41% | 2.37% | 2.02% | 3.28% | 2.03% | 1.53% | 1.63% | 2.03% |
Graham Net Nets |
0.04 | (0.13) | (0.39) | (0.62) | (0.84) | (1.02) | (0.31) | (0.06) | (0.07) | 0.16 |
Graham Number |
21.46 | 20.12 | 21.13 | 22.23 | 21.84 | 19.68 | 19.52 | 14.63 | 10.21 | 15.39 |
Earnings Yield |
6.05% | 6.06% | 8.62% | 9.49% | 8.23% | 5.85% | 7.61% | 2.75% | 1.51% | 3.38% |
Free Cash Flow Yield |
7.74% | 7.83% | 4.80% | 17.11% | 10.59% | 8.80% | 7.71% | 66.87% | 19.10% | 55.35% |
Revenue per Share |
9.29 | 8.96 | 8.45 | 7.01 | 5.33 | 5.33 | 6.29 | 7.60 | 8.57 | 9.25 |
Operating CF per Share |
1.40 | 1.29 | 0.82 | 2.29 | 1.59 | 1.55 | 1.07 | 14.31 | 3.71 | 10.54 |
Capex per Share |
(0.07) | (0.08) | (0.23) | (0.10) | (0.02) | (0.03) | (0.03) | 0.06 | (0.04) | 0.12 |
Free Cash Flow per Share |
1.33 | 1.21 | 0.59 | 2.18 | 1.57 | 1.52 | 1.03 | 14.37 | 3.67 | 10.65 |
Cash per Share |
7.67 | 7.91 | 7.40 | 9.22 | 3.16 | 9.41 | 15.54 | 9.44 | 5.74 | 9.20 |
Shareholders Equity per Share |
19.67 | 19.14 | 18.72 | 18.16 | 17.38 | 17.05 | 16.60 | 16.12 | 15.97 | 16.19 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.67 | 19.14 | 18.72 | 18.16 | 17.38 | 17.05 | 16.60 | 16.12 | 15.97 | 16.19 |
Free Cash Flow |
8.54 | 8.16 | 4.10 | 15.58 | 11.63 | 11.35 | 7.73 | 107.56 | 27.71 | 84.36 |
Working Capital |
161.28 | 199.06 | 204.88 | 178.94 | (7.02) | (31.10) | 110.29 | 90.88 | 116.57 | 151.03 |
Capital Expenditures |
(0.43) | (0.53) | (1.59) | (0.74) | (0.16) | (0.22) | (0.23) | 0.47 | (0.27) | 0.92 |
Net Current Asset Value |
4.24 | (14.02) | (33.62) | (56.07) | (92.02) | (132.09) | (30.76) | (10.23) | (9.60) | 24.81 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.03 | 0.01 | 0.00 | 0.01 | 0.00 | (0.01) | 0.00 | (0.01) |
Price to Operating Income |
11.45 | 11.73 | 8.22 | 7.34 | 8.54 | 12.66 | 9.19 | 27.17 | 26.25 | 17.29 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.42 | 0.37 | 0.34 | 0.35 | 0.55 | 0.67 | 0.33 | 0.37 | 0.36 | 0.40 |
Cash ROIC |
2.57% | 2.07% | 0.98% | 3.62% | 4.91% | 3.80% | 2.03% | 36.79% | 9.56% | 25.78% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
17,258.15 | 15,597.17 | 16,654.32 | 39,237.48 | 113,329.07 | 76,435.02 | 54,964.84 | 50,746.17 | 52,878.83 | 51,707.53 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
914.45 | 903.88 | 936.01 | 970.82 | 964.36 | 933.57 | 887.46 | 896.02 | 937.55 | 946.40 |
Average Assets |
1,226.89 | 1,258.91 | 1,302.57 | 1,259.99 | 1,185.32 | 1,180.22 | 1,130.84 | 1,130.20 | 1,188.09 | 1,186.01 |
Average Common Equity |
127.38 | 129.24 | 129.81 | 129.17 | 127.97 | 125.63 | 122.31 | 120.55 | 124.34 | 130.84 |
Columns are period end dates