Provident Financial Holdings Reports Q4 2025 Results

Provident Financial Holdings ( (PROV) ) has shared an update.

On July 28, 2025, Provident Financial Holdings reported its fourth quarter and fiscal year 2025 results, showing a net income of $1.63 million for the June 2025 quarter, a decline of 12% from the previous quarter and 17% from the same quarter last year. The decrease in net income was mainly due to a reduction in non-interest income and an increase in non-interest expenses, despite improvements in net interest income and credit loss recoveries. The company noted an improved operating environment over the fiscal year, with stabilized deposit balances and strong credit quality, although loan prepayments interrupted loan portfolio growth. Looking forward, the company is optimistic about fiscal 2026, expecting improving fundamentals supported by stable economic conditions.

The most recent analyst rating on (PROV) stock is a Hold with a $16.50 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 Outperform.

Provident Financial Holdings exhibits stable financial performance with reasonable valuation and positive corporate developments. While technical indicators suggest a lack of momentum, the company’s operational efficiency and strategic leadership changes are favorable.

To see Spark’s full report on PROV stock, click here.

More about Provident Financial Holdings

Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.S.B., operating in the financial services industry. The company focuses on providing banking services, including loans and deposit products, primarily serving the Riverside, California area.

Average Trading Volume: 6,250

Technical Sentiment Signal: Strong Buy

Current Market Cap: $102.6M

For a thorough assessment of PROV stock, go to TipRanks’ Stock Analysis page.