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Companies / Financials / Provident Financial Holdings, Inc.
PROV

Provident Financial Holdings, Inc.

FinancialsBanks & Brokers
Ticker PROVRIVERSIDE, CAFiscal year ends JuneBook value per share $19.93Diluted shares 6.3M

Provident Financial Holdings, Inc. (Nasdaq: PROV) is a bank holding company whose principal business is conducted through Provident Savings Bank, F.S.B., operating as Provident Bank. The Bank serves consumers and small to mid-sized businesses, primarily in Southern California’s Inland Empire, through community… From the company’s description.

Over the twelve months to Sep 30, 2026, Provident Financial Holdings, Inc. reported revenue of $40.88M, up 4.2% from a year earlier, and net income of $6.55M. Its pre-tax margin was 22.2%. In fiscal 2026, it reported revenue of $40.05M, up 2.7% from fiscal 2025, and net income of $6.66M.

Fiscal year 2026 · ends 06-30Changes are against fiscal 2025The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$40.05MFY2026
+2.7% year over year
Last 12 mo $40.88M
24.06%FY2026
+1.3 percentage points
Last 12 mo 22.21%
$6.66MFY2026
+6.4% year over year
Last 12 mo $6.55M
5.27%FY2026
+0.4 percentage points
Last 12 mo 5.22%
Cash & financing
$8.97MFY2026
+3.3% year over year
Last 12 mo $10.86M
$8.54MFY2026
+4.7% year over year
Last 12 mo $10.34M
8.46FY2026
Was 8.57× a year earlier
Last 12 mo 8.53
6.5MFY2026
−4.1% year over year
Last 12 mo 6.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Provident Financial Holdings, Inc. does

In the company’s own words

Provident Financial Holdings, Inc. (Nasdaq: PROV) is a bank holding company whose principal business is conducted through Provident Savings Bank, F.S.B., operating as Provident Bank. The Bank serves consumers and small to mid-sized businesses, primarily in Southern California’s Inland Empire, through community banking, customer investment services and real estate trustee services. Its community banking business accepts deposits and invests primarily in single-family, multifamily and commercial real estate loans, with smaller lending activities in construction, commercial business and consumer loans; it also services some loans sold to investors. Provident operates as one reportable segment. At June 30, 2026, it had consolidated assets of $1.21 billion and deposits of $910.4 million, and the Bank operated 13 full-service offices in Riverside and San Bernardino counties. The Bank was founded in 1956, and Provident Financial Holdings was formed in 1996 as its holding company following the Bank’s conversion to a stock savings bank. Its website is www.myprovident.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
RIVERSIDE, CA
Fiscal year end
June
CIK
1010470
SIC
6035

Financial performance, year by year

Fiscal 2012–2026 · USD
$-10.86M$21.71M$54.28M$86.85M$119.41M201220132014201520162017201820192020202120222023202420252026Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Provident Financial Holdings, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

44
funds hold it
0 of 35
superinvestors hold it
$23.35M
held by funds, at market
22.3%
of shares held by funds

Largest fund holders · Provident Financial Holdings, Inc.’s weight in each

Columbia Small Cap Value Discovery Fund
CSMIX · COLUMBIA FUNDS SERIES TRUST I
—of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Regional Bank Fund
FRBAX · John Hancock Investment Trust II
—of fund net assets
U.S. SMALL CAP VALUE PORTFOLIO
DFSVX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Provident Financial Holdings, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Provident Financial Holdings, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Provident Financial Holdings, Inc.'s last four quarterly filings that the numbers alone won't show?”
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