Provident Financial Holdings, Inc.

PROV · NASDAQ
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6/30/2025
6/30/2024
6/30/2023
6/30/2022
Revenue$60$59$50$39
% Growth2.5%17.2%26.9%
Cost of Goods Sold$20$20$9$1
Gross Profit$40$39$41$39
% Margin65.9%66.3%81.3%98.3%
R&D Expenses$0$0$0$0
G&A Expenses$20$18$18$16
SG&A Expenses$20$19$19$17
Sales & Mktg Exp.$1$1$1$1
Other Operating Expenses$10$9$9$9
Operating Expenses$31$29$28$26
Operating Income$9$10$12$13
% Margin14.8%17.7%24.8%32.6%
Other Income/Exp. Net$0$0$0$0
Pre-Tax Income$9$10$12$13
Tax Expense$3$3$4$4
Net Income$6$7$9$9
% Margin10.4%12.5%17.2%23.1%
EPS0.931.061.21.23
% Growth-12.3%-11.7%-2.4%
EPS Diluted0.931.061.191.22
Weighted Avg Shares Out7777
Weighted Avg Shares Out Dil7777
Supplemental Information
Interest Income$57$55$46$35
Interest Expense$21$20$9$3
Depreciation & Amortization$3$3$3$5
EBITDA$12$14$16$18
% Margin20.5%23.1%31.2%44.9%