Provident Financial Holdings, Inc. (PROV) Earnings History
Earnings Pressure30 years of earnings data (1996–2025) · 5-year EPS trend is negative
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Provident Financial Holdings, Inc. (PROV) Earnings Overview
As of July 8, 2026, Provident Financial Holdings, Inc. (PROV) reported trailing twelve-month net income of $6M, reflecting -12.3% year-over-year growth. The company earned $0.95 per diluted share over the past four quarters, with a net profit margin of 10.4%.
Looking at the long-term picture, PROV's 5-year EPS compound annual growth rate (CAGR) stands at -1.6%, signaling declining earnings. The company achieved its highest annual net income of $26M in fiscal 2013.
Provident Financial Holdings, Inc. maintains positive profitability with a gross margin of 65.9%, operating margin of 14.8%, and net margin of 10.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including WAFD ($252M net income, 16.0% margin), HOMB ($478M net income, 34.6% margin), NWBI ($133M net income, 14.4% margin), PROV has room to improve margins relative to the peer group. Compare PROV vs WAFD →
PROV Earnings vs Peers
Earnings metrics vs comparable public companies
PROV Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $6M | -14.9% | $9M | $0.93 | 10.4% | 14.8% |
| 2024 | $7M | -14.4% | $10M | $1.06 | 12.5% | 17.7% |
| 2023 | $9M | -5.5% | $12M | $1.19 | 17.2% | 24.8% |
| 2022 | $9M | +20.3% | $13M | $1.22 | 23.1% | 32.6% |
| 2021 | $8M | -1.7% | $10M | $1.00 | 19.0% | 25.6% |
| 2020 | $8M | +74.1% | $11M | $1.01 | 16.4% | 23.2% |
| 2019 | $4M | +107.3% | $6M | $0.58 | 7.8% | 10.4% |
| 2018 | $2M | -59.1% | $6M | $0.28 | 3.3% | 8.6% |
| 2017 | $5M | -30.3% | $9M | $0.64 | 7.1% | 12.0% |
| 2016 | $7M | -23.8% | $13M | $0.90 | 9.8% | 16.8% |
| 2015 | $10M | +48.4% | $17M | $1.07 | 12.2% | 21.3% |
| 2014 | $7M | -74.4% | $12M | $0.65 | 9.5% | 16.6% |
| 2013 | $26M | +138.6% | $43M | $2.38 | 21.6% | 35.8% |
| 2012 | $11M | -18.2% | $19M | $0.96 | 11.4% | 19.8% |
| 2011 | $13M | +1085.7% | $23M | $1.16 | 14.1% | 24.8% |
| 2010 | $1M | +115.0% | $2M | $0.13 | 1.2% | 2.0% |
| 2009 | -$7M | -965.0% | -$15M | $-1.20 | -7.0% | -13.8% |
| 2008 | $860,000 | -92.4% | $3M | $0.14 | 0.9% | 3.2% |
| 2007 | $11M | -45.1% | $20M | $1.57 | 9.5% | 17.2% |
| 2006 | $21M | +9.8% | $36M | $2.98 | 18.2% | 32.1% |
| 2005 | $19M | +24.1% | $33M | $2.64 | 18.7% | 32.8% |
| 2004 | $15M | -10.8% | $27M | $2.09 | 18.3% | 32.5% |
| 2003 | $17M | +85.4% | $28M | $2.20 | 19.7% | 33.0% |
| 2002 | $9M | +2.5% | $16M | $1.12 | 11.1% | 19.0% |
| 2001 | $9M | +22.5% | $15M | $1.10 | 9.4% | 16.1% |
| 2000 | $7M | -30.9% | $13M | $0.87 | 8.4% | 14.5% |
| 1999 | $11M | +110.0% | $18M | $0.74 | 13.5% | 23.3% |
| 1998 | $5M | +163.2% | $9M | $0.49 | 8.4% | 14.6% |
| 1997 | $2M | -32.3% | $3M | $0.18 | 3.8% | 6.2% |
| 1996 | $3M | - | $4M | $0.24 | 7.6% | 11.2% |
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PROV — Frequently Asked Questions
Quick answers to the most common questions about buying PROV stock.
What is PROV earnings per share (EPS)?
PROV trailing twelve-month (TTM) diluted EPS is $0.95, reflecting -12.3% year-over-year growth. The 5-year EPS CAGR is -1.6%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Provident Financial Holdings, Inc.'s net income?
Provident Financial Holdings, Inc. (PROV) trailing twelve-month net income is $6M as of 2025. Earnings declined -12.3% year-over-year. Provident Financial Holdings, Inc. has been profitable for 16 consecutive years.
Is PROV profitable?
Yes, PROV is profitable with a TTM net income of $6M and a net profit margin of +10.4%. Provident Financial Holdings, Inc. has generated profits for 16 consecutive years.
What is PROV's earnings growth rate?
PROV compound annual EPS growth rates (CAGR): 1-Year: -12.3%, 3-Year: -8.7%, 5-Year: -1.6%, 10-Year: -1.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are PROV's profit margins?
Provident Financial Holdings, Inc. net profit margin is +10.4%, operating margin is +14.8%, and gross margin is +65.9%. Margins are within a typical range for the sector. Return on Equity is +4.8%.
Is PROV growing earnings?
PROV earnings are declining — EPS fell -12.3% year-over-year. TTM net income dropped to $6M. This contrasts with the 5-year CAGR of -1.6%.
What was PROV's best earnings year?
Provident Financial Holdings, Inc.'s highest annual net income on record is $26M, achieved in fiscal year 2013. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were PROV's earnings last quarter?
PROV's most recent reported quarter was Q3 2026. Net income was $1M with diluted EPS of $0.21. For a full breakdown of all quarters, see the quarterly earnings table on this page.