Provident Financial (PROV) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Viewpoint - Provident Financial reported a decline in revenue and earnings per share (EPS) for the quarter ended June 2025, missing both revenue and EPS estimates [1][3]. Financial Performance - Revenue for the quarter was $9.76 million, a year-over-year decline of 1.6%, and a surprise of -6.14% compared to the Zacks Consensus Estimate of $10.4 million [1]. - EPS for the quarter was $0.24, down from $0.28 a year ago, with an EPS surprise of -17.24% against the consensus estimate of $0.29 [1]. - Net Interest Margin was reported at 2.9%, below the estimated 3.1% [4]. - Efficiency ratio stood at 78.1%, higher than the average estimate of 73.9% [4]. - Total Non-Interest Income was $0.88 million, compared to the average estimate of $0.96 million [4]. - Net Interest Income was reported at $8.88 million, below the estimated $9.43 million [4]. Stock Performance - Shares of Provident Financial have returned -1.5% over the past month, while the Zacks S&P 500 composite increased by +4.9% [3]. - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3].