Provident Financial Holdings, Inc. (PROV) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 9.16M | 8.92M | 8.93M | 8.88M | 9.21M | 8.76M | 8.62M | 8.45M | 8.56M | 8.77M | 9.14M | 9.23M | 9.4M | 9.38M | 8.96M | 8.51M | 7.54M | 7.66M | 7.89M | 7.38M |
| NII Growth % | -0.53% | 1.88% | 3.64% | 5.1% | 7.63% | -0.17% | -5.72% | -8.48% | -8.96% | -6.51% | 1.94% | 8.56% | 24.71% | 22.47% | 13.65% | 15.29% | 1.09% | 0.33% | -3.4% | -11% |
| Net Interest Margin % | 0.75% | 0.73% | 0.73% | 0.71% | 0.73% | 0.7% | 0.69% | 0.66% | 0.66% | 0.67% | 0.7% | 0.69% | 0.7% | 0.74% | 0.72% | 0.72% | 0.63% | 0.65% | 0.66% | 0.62% |
| Interest Income | 13.86M | 13.95M | 14.15M | 14.1M | 14.43M | 14.02M | 14.07M | 13.92M | 13.81M | 13.66M | 13.34M | 12.91M | 12.01M | 11.17M | 9.9M | 9.21M | 8.26M | 8.51M | 8.75M | 8.34M |
| Interest Expense | 4.7M | 5.03M | 5.22M | 5.22M | 5.22M | 5.26M | 5.46M | 5.46M | 5.25M | 4.89M | 4.2M | 3.68M | 2.61M | 1.79M | 933K | 709K | 720K | 848K | 858K | 965K |
| Loan Loss Provision | 326K | -158K | -626K | -164K | -391K | 586K | -697K | -12K | 124K | -720K | 545K | -56K | 169K | 191K | 70K | -411K | -645K | -1.07M | -339K | -767K |
| Non-Interest Income | 713K | 917K | 813K | 880K | 907K | 845K | 899K | 1.47M | 848K | 875K | 751K | 1.14M | 981K | 956K | 1M | 1.17M | 1.11M | 1.37M | 1.07M | 1.24M |
| Non-Interest Income % | 4.89% | 6.17% | 5.43% | 5.87% | 5.91% | 5.68% | 6% | 9.54% | 5.79% | 6.02% | 5.33% | 8.08% | 7.55% | 7.88% | 9.2% | 11.22% | 11.89% | 13.85% | 10.89% | 12.95% |
| Total Revenue | 14.57M | 14.87M | 14.96M | 14.98M | 15.34M | 14.87M | 14.97M | 15.38M | 14.65M | 14.54M | 14.09M | 14.05M | 12.99M | 12.13M | 10.9M | 10.38M | 9.37M | 9.88M | 9.81M | 9.58M |
| Revenue Growth % | -4.98% | 0.01% | -0.1% | -2.63% | 4.65% | 2.24% | 6.25% | 9.49% | 12.83% | 19.9% | 29.28% | 35.36% | 38.59% | 22.76% | 11.06% | 8.31% | -2.67% | -0.04% | -8.08% | -10.7% |
| Non-Interest Expense | 7.64M | 7.95M | 7.63M | 7.62M | 7.86M | 7.79M | 7.52M | 7.17M | 7.17M | 7.34M | 6.86M | 7.61M | 6.92M | 6.8M | 6.94M | 6.45M | 6.9M | 6.9M | 5.67M | 4.92M |
| Efficiency Ratio | 52.42% | 53.47% | 51.03% | 50.87% | 51.23% | 52.43% | 50.24% | 46.62% | 48.91% | 50.51% | 48.65% | 54.14% | 53.31% | 56.06% | 63.67% | 62.13% | 73.61% | 69.84% | 57.75% | 51.37% |
| Operating Income | 1.91M | 2.05M | 2.73M | 2.31M | 2.65M | 1.22M | 2.69M | 2.76M | 2.12M | 3.02M | 2.49M | 2.82M | 3.29M | 3.35M | 2.96M | 3.63M | 2.4M | 3.2M | 3.63M | 4.46M |
| Operating Margin % | 13.11% | 13.79% | 18.28% | 15.39% | 17.31% | 8.23% | 17.96% | 17.93% | 14.43% | 20.8% | 17.66% | 20.06% | 25.32% | 27.64% | 27.13% | 35% | 25.59% | 32.38% | 36.96% | 46.57% |
| Operating Income Growth % | -28% | 67.48% | 1.71% | -16.39% | 25.48% | -59.54% | 8.04% | -2.13% | -35.69% | -9.76% | -15.83% | -22.43% | 37.16% | 4.78% | -18.5% | -18.6% | 23.16% | 93.06% | 71.13% | 98.89% |
| Pretax Income | 1.91M | 2.05M | 2.73M | 2.31M | 2.65M | 1.22M | 2.69M | 2.76M | 2.12M | 3.02M | 2.49M | 2.82M | 3.29M | 3.35M | 2.96M | 3.63M | 2.4M | 3.2M | 3.63M | 4.46M |
| Pretax Margin % | 13.11% | 13.79% | 18.28% | 15.39% | 17.31% | 8.23% | 17.96% | 17.93% | 14.43% | 20.8% | 17.66% | 20.06% | 25.32% | 27.64% | 27.13% | 35% | 25.59% | 32.38% | 36.96% | 46.57% |
| Income Tax | 557K | 614K | 1.05M | 680K | 797K | 352K | 789K | 805K | 620K | 884K | 727K | 1.01M | 966K | 981K | 867K | 1.17M | 699K | 935K | 961K | 1.12M |
| Effective Tax Rate % | 29.15% | 29.95% | 38.54% | 29.49% | 30.03% | 28.76% | 29.34% | 29.19% | 29.31% | 29.22% | 29.21% | 35.84% | 29.37% | 29.27% | 29.32% | 32.2% | 29.15% | 29.23% | 26.49% | 25.18% |
| Net Income | 1.35M | 1.44M | 1.68M | 1.63M | 1.86M | 872K | 1.9M | 1.95M | 1.5M | 2.14M | 1.76M | 1.81M | 2.32M | 2.37M | 2.09M | 2.46M | 1.7M | 2.26M | 2.67M | 3.34M |
| Net Margin % | 9.29% | 9.66% | 11.24% | 10.86% | 12.11% | 5.87% | 12.69% | 12.7% | 10.2% | 14.72% | 12.5% | 12.87% | 17.88% | 19.55% | 19.17% | 23.73% | 18.13% | 22.92% | 27.17% | 34.84% |
| Net Income Growth % | -27.09% | 64.68% | -11.53% | -16.74% | 24.21% | -59.27% | 7.83% | 8.02% | -35.64% | -9.7% | -15.69% | -26.59% | 36.73% | 4.73% | -21.63% | -26.24% | 8.84% | 92.52% | 79.6% | 110.8% |
| Net Income (Continuing) | 1.35M | 1.44M | 1.68M | 1.63M | 1.86M | 872K | 1.9M | 1.95M | 1.5M | 2.14M | 1.76M | 1.81M | 2.32M | 2.37M | 2.09M | 2.46M | 1.7M | 2.26M | 2.67M | 3.34M |
| EPS (Diluted) | 0.21 | 0.22 | 0.25 | 0.24 | 0.28 | 0.13 | 0.28 | 0.28 | 0.22 | 0.31 | 0.25 | 0.26 | 0.33 | 0.33 | 0.29 | 0.34 | 0.23 | 0.30 | 0.35 | 0.44 |
| EPS Growth % | -25% | 69.23% | -10.71% | -14.29% | 27.27% | -58.06% | 12% | 7.69% | -33.33% | -6.06% | -13.79% | -23.53% | 43.48% | 10% | -17.14% | -22.73% | 9.52% | 87.5% | 75% | 109.52% |
| EPS (Basic) | 0.21 | 0.22 | 0.26 | 0.25 | 0.28 | 0.13 | 0.28 | 0.28 | 0.22 | 0.31 | 0.25 | 0.26 | 0.33 | 0.33 | 0.29 | 0.34 | 0.23 | 0.30 | 0.35 | 0.44 |
| Diluted Shares Outstanding | 6.45M | 6.53M | 6.72M | 6.65M | 6.73M | 6.79M | 6.86M | 6.89M | 6.93M | 6.98M | 7.03M | 7.07M | 7.15M | 7.24M | 7.31M | 7.32M | 7.41M | 7.48M | 7.58M | 7.59M |