PROV— PROVIDENT FINANCIAL HOLDINGS INC

FinancialsBanking$113M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Loans receivable, net	$52.5M+4.7%	$50.2M+19.0%	$42.2M+31.2%	$32.2M
Investment securities	$1.9M-9.8%	$2.1M-5.0%	$2.2M+13.8%	$1.9M
FHLB - San Francisco and other equity investments	$845K+5.4%	$802K+44.2%	$556K+13.7%	$489K
Interest-earning deposits	$1.4M-17.7%	$1.7M+55.6%	$1.1M+518.4%	$174K
Total interest income	$56.6M+3.5%	$54.7M+19.0%	$46.0M+32.4%	$34.7M
Deposits	$11.2M+16.1%	$9.7M+207.2%	$3.1M+175.0%	$1.1M
Borrowings	$9.9M-2.1%	$10.1M+73.0%	$5.9M+194.4%	$2.0M
Total interest expense	$21.2M+6.8%	$19.8M+119.9%	$9.0M+187.3%	$3.1M
Net interest income	$35.5M+1.6%	$34.9M-5.6%	$37.0M+17.1%	$31.6M
Recovery of credit losses	-$666K-957.1%	-$63K	—	—
Net interest income, after recovery of credit losses	$36.1M+3.3%	$35.0M-4.4%	$36.6M+7.5%	$34.1M
Loan servicing and other fees	$419K+24.3%	$337K-18.6%	$414K-60.8%	$1.1M
Other	$735K-31.1%	$1.1M+26.9%	$840K+16.8%	$719K
Total non-interest income	$3.5M-10.4%	$3.9M-3.3%	$4.1M-13.6%	$4.7M
Salaries and employee benefits	$19.0M+7.7%	$17.6M-0.5%	$17.7M+12.0%	$15.8M
Premises and occupancy	$3.6M+1.3%	$3.6M+4.0%	$3.4M+8.1%	$3.2M
Equipment	$1.5M+17.8%	$1.3M+13.6%	$1.2M-10.1%	$1.3M
Professional	$1.6M+3.2%	$1.5M+0.9%	$1.5M+6.9%	$1.4M
Sales and marketing	$714K+0.7%	$709K+14.0%	$622K-3.1%	$642K
Deposit insurance premium and regulatory assessments	$740K-5.1%	$780K+18.7%	$657K+21.0%	$543K
Other	$3.6M+19.9%	$3.0M-4.9%	$3.1M+4.4%	$3.0M
Total non-interest expense	$30.8M+7.9%	$28.5M+1.0%	$28.3M+9.1%	$25.9M
Income before income taxes	$8.9M-14.6%	$10.4M-16.3%	$12.4M-3.4%	$12.9M
Provision for income taxes	$2.6M-13.8%	$3.0M-20.6%	$3.8M+1.6%	$3.8M
Net income	$6.3M-14.9%	$7.4M-14.4%	$8.6M-5.5%	$9.1M
Basic earnings per share ( in dollars per share)	$0.93-12.3%	$1.06-11.7%	$1.20-2.4%	$1.23
Diluted earnings per share ( in dollars per share)	$0.93-12.3%	$1.06-10.9%	$1.19-2.5%	$1.22
Deposit account fees
Non-interest income	$1.3M-8.6%	$1.4M-9.2%	$1.5M-7.0%	$1.6M
Card and processing fees

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.