Provident Financial Holdings, Inc. (PROV) Income Annual - Discounting Cash Flows
PROV
Provident Financial Holdings, Inc.
PROV (NASDAQ)
Period Ending: LTM
(Last Twelve Months)
2025
06-30
2024
06-30
2023
06-30
2022
06-30
2021
06-30
2020
06-30
2019
06-30
2018
06-30
2017
06-30
2016
06-30
2015
06-30
2014
06-30
2013
06-30
2012
06-30
2011
06-30
2010
06-30
2009
06-30
2008
06-30
2007
06-30
2006
06-30
2005
06-30
2004
06-30
2003
06-30
2002
06-30
2001
06-30
2000
06-30
1999
06-30
1998
06-30
1997
06-30
1996
06-30
Report Filing 2025-11-07 2025-08-29 2024-08-30 2023-09-05 2022-09-02 2021-09-03 2020-09-04 2019-08-30 2018-08-31 2017-09-01 2016-09-12 2015-09-14 2014-09-15 2013-09-13 2012-09-13 2011-09-13 2010-09-13 2009-09-14 2008-09-15 2007-09-12 2006-09-13 2005-09-13 2004-09-10 2003-09-29 2002-09-27 2001-09-28 2000-09-25 1999-09-28 1998-09-28 1997-09-26 1996-09-30
Revenue 60.14 60.16 58.67 50.07 39.45 39.77 46.98 56.89 64.61 73.24 76.36 80.08 69.73 119.4 94.58 93.96 92.42 106.1 101 118.5 112.8 99.91 82.3 85.63 82.11 94.76 86.5 77.63 59.4 50.2 36.98
Cost of Revenue 20.32 20.49 19.74 9.38 0.673 3.85 7.17 5.73 5.88 5.64 5.26 5.03 3.96 9.3 20.48 26.41 52.43 90.83 67.42 64.27 43.71 34.62 26.74 29.47 39.71 54.46 48.98 34.91 30.6 24.8 27.53
Gross Profit 39.82 39.67 38.93 40.69 38.77 35.92 39.8 51.16 58.73 67.6 71.11 75.05 65.78 110.1 74.1 67.55 39.99 15.3 33.54 54.26 69.13 65.29 55.57 56.16 42.4 40.31 37.52 42.72 28.8 25.4 9.45
Operating Expenses 30.9 30.79 28.54 28.27 25.91 25.73 28.9 45.24 53.2 58.78 58.26 57.97 54.17 67.34 55.37 44.28 38.14 29.98 30.31 33.85 32.91 32.51 28.78 27.91 26.81 25.07 24.96 24.62 20.1 22.3 5.31
Research & Development 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Selling, General and Administrative 20.55 20.46 19.13 19.02 17.02 16.39 19.91 31.72 36.61 43.84 44.96 44.23 40.75 53.38 41.77 33.25 26.99 20.07 19.52 22.98 21.61 22.53 19.98 18.86 17.63 16.82 16.08 16.1 12.5 11.3 11.44
Other Operating Expenses 10.35 10.33 9.41 9.25 8.9 9.34 8.99 13.52 16.59 14.95 13.3 13.73 13.42 13.97 13.6 11.04 11.15 9.91 10.79 10.87 11.31 9.99 8.8 9.05 9.18 8.25 8.88 8.52 7.6 11 -6.13
Operating Income 8.92 8.87 10.39 12.42 12.86 10.19 10.9 5.92 5.53 8.82 12.85 17.08 11.61 42.71 18.74 23.27 1.85 -14.68 3.23 20.41 36.22 32.78 26.79 28.25 15.59 15.24 12.57 18.1 8.7 3.1 4.14
Net Non-Operating Interest 35.78 35.47 34.92 36.98 31.59 30.64 36.4 38.17 36.3 35.74 32.33 33.27 30.72 33.36 36.73 37.75 39.58 43.77 41.44 41.78 44.05 42.51 36.23 31.44 26.48 26.34 28.97 24.9 20.7 19.1 16.55
Interest Income 56.7 56.62 54.73 45.99 34.73 35.2 42.46 44.38 42.71 42.42 39.3 39.7 38.06 44.16 51.44 58.69 70.16 85.92 95.75 101 86.63 75.5 62.15 59.86 65.67 80.8 77.7 59.3 50.1 42.6 41.82
Interest Expense 20.91 21.16 19.81 9.01 3.13 4.56 6.05 6.21 6.41 6.68 6.97 6.42 7.34 10.8 14.71 20.94 30.59 42.16 54.31 59.19 42.57 32.98 25.92 28.41 39.19 54.46 48.73 34.4 29.4 23.5 25.27
Equity & Other Income/(Expense) -35.78 -35.47 -34.92 -36.98 -31.59 -30.64 -36.4 -38.17 -36.3 -35.74 -32.33 -33.27 -30.72 -33.36 -36.73 -37.75 -39.58 -43.77 -41.44 -41.78 -44.05 -42.51 -36.23 -31.44 -26.48 -26.34 -28.97 -24.9 -20.7 -19.1 -16.55
Income Before Tax 8.92 8.87 10.39 12.42 12.86 10.19 10.9 5.92 5.53 8.82 12.85 17.08 11.61 42.71 18.74 23.27 1.85 -14.68 3.23 20.41 36.22 32.78 26.79 28.25 15.59 15.24 12.57 18.1 8.7 3.1 4.14
Income Tax Expense 2.88 2.62 3.04 3.82 3.77 2.63 3.21 1.5 3.4 3.61 5.37 7.28 5 16.92 7.93 10.05 0.74 -7.24 2.37 9.12 15.68 14.08 11.72 11.36 6.48 6.35 5.31 7.6 3.7 1.2 1.33
Income Attributable to Non-Controlling Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Income 6.04 6.25 7.35 8.59 9.09 7.56 7.69 4.42 2.13 5.21 7.47 9.8 6.61 25.8 10.81 13.22 1.11 -7.44 0.86 11.29 20.54 18.7 15.07 16.89 9.11 8.89 7.26 10.5 5 1.9 2.81
Depreciation and Amortization 3.39 3.49 3.15 3.19 4.85 6.27 3.39 3.08 3.13 2.64 1.91 1.86 1.66 1.75 1.36 1.42 1.53 2.02 2.37 2.21 3.19 3.51 4.42 5.97 2.29 2.28 2.12 0.4 -0.1 1.2 1.06
EBITDA 12.31 12.36 13.54 15.6 17.71 16.45 14.29 8.99 8.66 11.46 14.76 18.94 13.27 44.46 20.09 24.69 3.39 -12.65 5.59 22.62 39.41 36.28 31.2 34.22 17.88 17.52 14.69 18.5 8.6 4.3 5.2
Earnings Per Share (EPS) 0.92 0.93 1.06 1.2 1.23 1.01 1.03 0.59 0.28 0.66 0.92 1.09 0.67 2.43 0.96 1.16 0.13 -1.2 0.14 1.59 3.1 2.84 2.24 2.37 1.18 1.13 0.88 0.75 0.51 0.18 0.24
Diluted Earnings Per Share 0.9 0.93 1.06 1.19 1.22 1 1.01 0.58 0.28 0.64 0.9 1.07 0.65 2.38 0.96 1.16 0.13 -1.2 0.14 1.57 2.98 2.64 2.09 2.2 1.12 1.1 0.87 0.74 0.49 0.18 0.24
Weighted Average Shares Outstanding 6.46 6.72 6.94 7.14 7.4 7.46 7.47 7.49 7.54 7.92 8.35 9 9.93 10.6 11.22 11.39 8.92 6.2 6.17 6.56 6.63 6.59 6.73 7.12 7.72 7.89 8.2 9.17 9.87 10.43 11.53
Diluted Weighted Average Shares Outstanding 6.72 6.76 6.96 7.19 7.45 7.54 7.58 7.6 7.7 8.1 8.54 9.17 10.11 10.84 11.29 11.42 8.92 6.2 6.21 6.68 6.88 7.09 7.21 7.68 8.13 8.08 8.33 9.32 10.14 10.58 11.53
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