Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $7.47M | $5.21M | $2.13M | $4.42M | $7.69M | $7.56M | $9.09M | $8.59M | $7.35M | $6.25M |
| EPS (diluted) | $0.88 | $0.64 | $0.28 | $0.58 | $1.01 | $1.00 | $1.22 | $1.19 | $1.06 | $0.93 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $47.8M | $83.4M | $28.0M | $107M | $7.95M | $11.6M | $11.8M | $16.3M | $5.68M | $8.69M |
| Capital expenditures | $1.52M | $1.49M | $2.91M | $449K | $229K | $225K | $165K | $741K | $1.59M | $530K |
| Free cash flow | $46.3M | $82.0M | $25.1M | $107M | $7.72M | $11.3M | $11.6M | $15.6M | $4.10M | $8.15M |
| Share buybacks | $13.0M | $8.71M | $7.35M | $1.41M | $1.28M | $2.34M | $4.30M | $4.65M | $2.60M | $4.45M |
| Dividends paid | $4.01M | $4.12M | $4.23M | $4.19M | $4.18M | $4.17M | $4.15M | $4.00M | $3.89M | $3.77M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $51.2M | $72.8M | $43.3M | $70.6M | $116M | $70.3M | $23.4M | $65.8M | $51.4M | $53.1M |
| Total assets | $1.17B | $1.20B | $1.18B | $1.08B | $1.18B | $1.18B | $1.19B | $1.33B | $1.27B | $1.25B |
| Total liabilities | $1.04B | $1.07B | $1.06B | $964M | $1.05B | $1.06B | $1.06B | $1.20B | $1.14B | $1.12B |
| Shareholders' equity | $133M | $128M | $120M | $121M | $124M | $127M | $129M | $130M | $130M | $129M |
| Retained earnings | $192M | $193M | $191M | $191M | $194M | $198M | $203M | $207M | $210M | $212M |
| Shares (wtd avg diluted) | 8.54B | 8.10B | 7.70M | 7.60M | 7.58M | 7.54M | 7.45M | 7.19M | 6.96M | 6.76M |
Every figure is extracted from PROVIDENT FINANCIAL HOLDINGS INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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