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The latest update is out from Provident Financial Holdings ( (PROV) ).
On January 27, 2026, Provident Financial Holdings reported results for the second quarter of fiscal 2026, covering the quarter ended December 31, 2025. The company posted net income of $1.44 million, or $0.22 per diluted share, down 15% from the prior quarter but 65% higher than the same period a year earlier, as improved net interest income and a recovery of credit losses offset higher non-interest expenses, including a non-recurring $214,000 mediation settlement. For the six months ended December 31, 2025, net income rose 12% year over year to $3.12 million, driven by higher recoveries of credit losses and increased net interest income, partly offset by higher taxes and operating costs. Key balance sheet metrics showed modest contraction, with loans held for investment slipping 1% to $1.04 billion and total deposits declining 2% to $872.4 million since June 30, 2025, while asset quality remained strong as non-performing assets fell to 0.08% of total assets. Net interest margin improved to 3.03% from 2.91% a year earlier on better yields for interest-earning assets and lower funding costs, despite a slight reduction in average interest-earning assets, underscoring management’s focus on disciplined pricing and cost control in a competitive rate environment.
The most recent analyst rating on (PROV) stock is a Hold with a $17.50 price target. To see the full list of analyst forecasts on Provident Financial Holdings stock, see the PROV Stock Forecast page.
Spark’s Take on PROV Stock
According to Spark, TipRanks’ AI Analyst, PROV is a Neutral.
Overall score reflects moderate financial strength with notable balance-sheet leverage and weak revenue growth, partially offset by strong cash flow conversion. Technicals are supportive with price above major moving averages and positive MACD. Valuation is fair with a solid dividend, while the latest call and recent capital-return actions are broadly positive but tempered by rising nonperforming assets and constrained loan growth.
To see Spark’s full report on PROV stock, click here.
More about Provident Financial Holdings
Provident Financial Holdings, Inc., based in Riverside, California, is the holding company for Provident Savings Bank, F.S.B., a community-oriented financial institution focused on originating and holding loans for investment and gathering deposits. The company operates in a competitive lending and deposit market, concentrating on interest-earning assets such as loans, investment securities, and interest-earning deposits, while emphasizing strong underwriting standards, credit quality, and disciplined pricing.
Average Trading Volume: 7,652
Technical Sentiment Signal: Buy
Current Market Cap: $104.4M
For an in-depth examination of PROV stock, go to TipRanks’ Overview page.