Provident Financial Holdings (PROV) Cash Flow: Operating & Free Cash Flow

Provident Financial Holdings (PROV) Cash Flow Statement

In fiscal 2026 (fiscal year ended Jun 30, 2026), Provident Financial Holdings generated $8.97M of operating cash flow and spent $432.00K on capital expenditures. That left free cash flow of $8.54M, up 4.7% from $8.15M a year earlier, or 21.3% of revenue. It returned $9.57M to shareholders through $3.59M in dividends and $5.98M in share buybacks.

Provident Financial Holdings Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Provident Financial Holdings, Inc. (PROV) - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Operating Activities
Net Income	6.66	6.26	7.35	8.59	9.09	7.56	7.69	4.42	2.13	5.21
Depreciation & Amortization	0.00	3.49	3.16	3.19	4.85	6.27	3.39	3.08	3.13	2.64
Deferred Income Tax	0.00	1.43	-0.06	1.23	1.14	0.48	0.55	0.65	0.17	1.19
Stock Based Compensation	0.00	0.54	0.24	1.19	0.80	1.30	0.95	0.87	1.05	1.49
Change in Working Capital	-1.63	-2.17	-4.40	1.76	-1.63	-3.33	-5.75	2.64	1.35	1.89
Change in Accounts Payable	-1.83	-1.91	-2.40	0.12	0.48	-0.66	-2.95	1.87	2.17	3.41
Change in Other Working Capital	0.20	-2.17	-2.00	1.63	-2.11	-2.67	-2.80	0.77	-0.82	-1.52
Other Operating Activities	3.94	0.57	-0.60	0.37	-2.46	-0.71	1.12	95.44	20.16	71.56
Net Cash from Operating Activities	8.97	8.69	5.69	16.33	11.79	11.57	7.95	107.09	27.99	83.44
Investing Activities
Capital Expenditures	-0.43	-0.53	-1.59	-0.74	-0.17	-0.23	-0.23	-0.45	-2.91	-1.49
Purchases of Investments	0.00	-0.98	0.00	0.00	-19.12	-158.98	-56.26	-40.68	-54.15	-35.30
Sales/Maturities of Investments	0.00	21.53	24.11	31.08	55.94	53.43	32.69	35.03	27.43	16.23
Other Investing Activities	31.50	6.44	22.54	-140.24	-88.40	49.90	-25.11	23.39	2.32	-63.95
Net Cash from Investing Activities	31.50	26.46	45.06	-109.90	-51.75	-55.87	-48.91	17.29	-27.31	-84.52
Financing Activities
Debt Repayment	-56.03	-112.51	-82.01	-30.00	-20.98	-40.06	39.94	-25.06	-0.06	34.93
Common Stock Repurchased	-5.98	-4.45	-2.60	-4.65	-4.31	-2.34	-1.28	-1.41	-7.35	-8.71
Dividends Paid	-3.59	-3.77	-3.89	-4.00	-4.15	-4.17	-4.18	-4.19	-4.23	-4.12
Other Financing Activities	21.26	-0.13	-62.22	-0.42	17.53	45.11	51.88	-66.39	-18.57	0.60
Net Cash from Financing Activities	-44.35	-33.43	-65.22	136.01	-6.90	-1.47	86.36	-97.05	-30.21	22.69
Summary
Net Change in Cash	-3.88	1.71	-14.47	42.44	-46.86	-45.76	45.40	27.33	-29.53	21.62
Cash at Beginning of Period	53.09	51.38	65.85	23.41	70.27	116.03	70.63	43.30	72.83	51.21
Cash at End of Period	49.21	53.09	51.38	65.85	23.41	70.27	116.03	70.63	43.30	72.83
Free Cash Flow	8.54	8.16	4.10	15.58	11.63	11.35	7.73	106.64	25.08	81.42
Supplemental Disclosures
Interest Paid	-	21.40	19.76	7.48	3.17	4.66	-	-	-	-
Income Taxes Paid	-	1.92	3.09	2.73	2.73	3.32	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Provident Financial Holdings Cash Flow

What is Provident Financial Holdings's free cash flow?

Provident Financial Holdings generated free cash flow of $8.54M in fiscal 2026 (fiscal year ended Jun 30, 2026), operating cash flow of $8.97M minus $432.00K of capital expenditures. That was up 4.7% from $8.15M a year earlier. Free cash flow equaled 21.3% of revenue.

How much does Provident Financial Holdings spend on capital expenditures?

Provident Financial Holdings spent $432.00K on capital expenditures in fiscal 2026, compared with $530.00K a year earlier. That equals 4.8% of operating cash flow.

Does Provident Financial Holdings pay dividends or buy back shares?

Yes. In fiscal 2026 Provident Financial Holdings returned $3.59M in dividends and $5.98M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition