For the quarter ending 2025-12-31, PROV made $27,684K in revenue. $1,436K in net income. Net profit margin of 5.19%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|
| Loans receivable, net | 13,072 | 13,131 | 13,076 | 13,368 |
| Investment securities | 411 | 430 | 459 | 459 |
| Fhlb - san francisco and other equity investments | - | - | 211 | - |
| Fhlb - san francisco stock and other equity investments | 214 | 211 | - | 213 |
| Interest-earning deposits | 253 | 374 | 315 | 389 |
| Total interest income | 13,950 | 14,146 | 14,060 | 14,429 |
| Checking and money market deposits | 56 | 51 | - | 46 |
| Savings deposits | 197 | 171 | - | 127 |
| Deposits | - | - | 2,807 | - |
| Time deposits | 2,672 | 2,764 | - | 2,573 |
| Borrowings | 2,101 | 2,230 | 2,412 | 2,471 |
| Total interest expense | 5,026 | 5,216 | 5,240 | 5,217 |
| Net interest income | 8,924 | 8,930 | 8,821 | 9,212 |
| Recovery of credit losses | -158 | -626 | 211 | -391 |
| Net interest income, after (recovery of) provision for credit losses | 9,082 | 9,556 | 8,610 | 9,603 |
| Loan servicing and other fees | 176 | 146 | 90 | 135 |
| Non-interest income-Deposit Account | 273 | 265 | 278 | - |
| Non-interest income | - | - | - | 567 |
| Non-interest income-Debit Card | 286 | 302 | 316 | - |
| Other | 182 | 100 | 177 | 205 |
| Total non-interest income | 917 | 813 | 863 | 907 |
| Salaries and employee benefits | 4,783 | 4,770 | 4,799 | 4,776 |
| Premises and occupancy | 851 | 947 | 902 | 880 |
| Equipment | 479 | 406 | 391 | 417 |
| Professional | 442 | 414 | 384 | 386 |
| Sales and marketing | 158 | 148 | 180 | 181 |
| Deposit insurance premium and regulatory assessments | 177 | 165 | 181 | 195 |
| Other | 1,059 | 784 | 872 | 1,021 |
| Total non-interest expense | 7,949 | 7,634 | 7,707 | 7,856 |
| Income before income taxes | 2,050 | 2,735 | 1,765 | 2,654 |
| Provision for income taxes | 614 | 1,054 | 516 | 797 |
| Net income | 1,436 | 1,681 | 1,249 | 1,857 |
| Earnings per share, basic | 0.22 | 0.26 | 0.185 | 0.28 |
| Earnings per share, diluted | 0.22 | 0.25 | 0.185 | 0.28 |
| Weighted average number of shares outstanding, basic | 6,462,000 | 6,566,000 | -3,398,457 | 6,680,000 |
| Weighted average number of shares outstanding, diluted | 6,531,000 | 6,626,000 | -3,417,519 | 6,733,000 |
PROVIDENT FINANCIAL HOLDINGS INC (PROV)
PROVIDENT FINANCIAL HOLDINGS INC (PROV)