For the quarter ending 2026-03-31, PROV had $2,756K increase in cash & cash equivalents over the period. $1,745K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 1,354 | 1,436 | 1,681 | 6,255 |
| Depreciation and amortization | 1,170 | 1,022 | 810 | 3,486 |
| Recovery of credit losses | 326 | -158 | -626 | -666 |
| Net unrealized loss (gain) on other equity investments | -99 | 19 | -28 | 190 |
| Stock-based compensation | 119 | 128 | 123 | 543 |
| (benefit) provision for deferred income taxes | 222 | 148 | -272 | -1,430 |
| Decrease in accounts payable, accrued interest and other liabilities | -622 | -515 | -997 | -1,907 |
| Decrease in prepaid expenses and other assets | 334 | 527 | -1,205 | 266 |
| Net cash provided by operating activities | 1,890 | 1,219 | 2,496 | 8,685 |
| Net decrease (increase) in loans held for investment | -7,055 | -3,733 | -4,273 | -6,437 |
| Purchase of investment securities - held to maturity | - | - | - | 981 |
| Principal payments from investment securities - held to maturity | 4,845 | 4,914 | 5,449 | 21,260 |
| Principal payments from investment securities - available for sale | 55 | 138 | 64 | 273 |
| Purchase of premises and equipment | 145 | 187 | 44 | 530 |
| Net cash provided by investing activities | 11,810 | 8,598 | 9,742 | 26,459 |
| Net increase in deposits | 20,451 | -2,405 | -13,933 | 424 |
| Proceeds from long-term borrowings | 15,000 | 54,000 | - | 87,000 |
| Repayments of long-term borrowings | 54,007 | 41,007 | 5,008 | 77,512 |
| Repayments of short-term borrowings, net | - | 8,000 | - | 35,000 |
| Proceeds from (repayments of) short-term borrowings, net | -3,000 | - | 5,000 | - |
| Treasury stock purchases | 1,497 | 1,536 | 1,059 | 4,448 |
| Withholding taxes on stock-based compensation | - | - | - | 128 |
| Cash dividends | 891 | 906 | 921 | 3,766 |
| Net cash used for financing activities | -10,944 | -4,854 | -15,921 | -33,430 |
| Net increase (decrease) in cash and cash equivalents | 2,756 | 4,963 | -3,683 | 1,714 |
| Cash and cash equivalents at beginning of period | 54,370 | 49,407 | 53,090 | - |
| Cash and cash equivalents at end of period | 57,126 | 54,370 | 49,407 | - |
PROVIDENT FINANCIAL HOLDINGS INC (PROV)
PROVIDENT FINANCIAL HOLDINGS INC (PROV)