Finanzas de Provident Financial Holdings Inc (PROV)PROVProvident Financial Holdings Inc

Evaluating the bottom line, Provident Financial Holdings Inc maintains a gross margin of 63.08%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 14.02%, while the net margin is 10.13%. These profitability ratios, combined with a Return on Equity (ROE) of 5.16%, provide a clear picture of how effectively PROV converts its operational activities into shareholder value.

In the context of the broader market, PROV competes directly with industry leaders such as BSBK and RVSB. With a market capitalization of $112.78M, it holds a significant position in the sector. When comparing efficiency, PROV's gross margin of 63.08% stands against BSBK's 0.05% and RVSB's 75.45%. Such benchmarking helps identify whether Provident Financial Holdings Inc is trading at a premium or discount relative to its financial performance.

The company has shown consistent revenue growth, with Q4 2026 revenue reported at $10.59 million, an 8.5% increase year-over-year. Net income for Q4 was $2.18 million, or $0.35 per share, reflecting strong profitability. The gross margin for Q1 2027 is projected at 63.08%, indicating effective cost management.