PROVIDENT FINANCIAL HOLDINGS INC (PROV) Financial Statements

Income statement

Metric	TTM	2026	2025	2024	2023
Revenue
Total Revenue	60.2M	59.6M	60.2M	58.7M	50.1M
Cost of Revenue	20.2M	19.0M	20.5M	19.7M	9.4M
Gross Profit	40.0M	40.6M	39.7M	38.9M	40.7M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	23.6M	24.6M	20.5M	19.1M	19.0M
General & Admin Expense	23.1M	24.6M	19.7M	18.4M	18.4M
Selling & Marketing Expense	541.0K	—	714.0K	709.0K	622.0K
Other Expenses	7.3M	6.4M	10.3M	9.4M	9.3M
Total Operating Expenses	31.0M	31.0M	30.8M	28.5M	28.3M
Cost and Expenses	51.1M	50.0M	51.3M	48.3M	37.7M
Operating Income (EBIT)	9.1M	9.6M	8.9M	10.4M	12.4M
Non-Operating
Interest Income	56.5M	55.9M	56.6M	54.7M	46.0M
Interest Expense	19.3M	19.6M	21.2M	19.8M	9.0M
Net Interest Income	37.2M	36.3M	35.5M	34.9M	37.0M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	(5.0M)	—	—	—	—
EBT (Pre-Tax Income)	9.1M	9.6M	8.9M	10.4M	12.4M
Income Tax Expense	2.5M	3.0M	2.6M	3.0M	3.8M
Bottom Line
Net Income	6.5M	6.7M	6.3M	7.4M	8.6M
Earnings from Cont. Ops	6.5M	6.7M	6.3M	7.4M	8.6M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	6.5M	6.7M	6.3M	7.4M	8.6M
Per Share
Basic EPS	$1.02	$1.04	$0.93	$1.06	$1.20
Diluted EPS	$1.02	$1.03	$0.93	$1.06	$1.19
Revenue Per Share	$9.64	$9.36	$8.96	$8.45	$7.01
Shares
Basic Shares Outstanding	6.2M	6.4M	6.7M	6.9M	7.1M
Diluted Shares Outstanding	6.3M	6.4M	6.8M	7.0M	7.2M
Profitability Metrics
EBITDA	16.2M	9.6M	12.4M	13.5M	15.6M
D&A	2.2M	—	3.5M	3.2M	3.2M
EBIT	14.0M	9.6M	8.9M	10.4M	12.4M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026