Provident Financial (PROV) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Provident Financial reported revenue of $10.12 million for the quarter ended March 2025, reflecting a year-over-year increase of 7.5% and a surprise of +2.42% over the Zacks Consensus Estimate of $9.88 million [1] - The company's EPS for the quarter was $0.28, up from $0.22 in the same quarter last year, resulting in an EPS surprise of +16.67% compared to the consensus estimate of $0.24 [1] Financial Performance Metrics - Net Interest Margin stood at 3%, aligning with the average estimate based on two analysts [4] - The Efficiency Ratio was reported at 77.6%, which is higher than the average estimate of 75.9% from two analysts [4] - Total Non-Interest Income was $0.91 million, slightly below the average estimate of $0.94 million from two analysts [4] - Net Interest Income reached $9.21 million, exceeding the average estimate of $8.95 million from two analysts [4] Stock Performance - Shares of Provident Financial have returned +1.4% over the past month, contrasting with a -4.3% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]