For the quarter ended September 2025, Provident Financial (PROV) reported revenue of $9.74 million, up 2.3% over the same period last year. EPS came in at $0.25, compared to $0.28 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $10.3 million, representing a surprise of -5.41%. The company delivered an EPS surprise of -13.79%, with the consensus EPS estimate being $0.29.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Provident Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3% versus the two-analyst average estimate of 3.1%.
- Efficiency ratio: 78.4% versus the two-analyst average estimate of 74.9%.
- Total Non-Interest Income: $0.81 million versus the two-analyst average estimate of $0.94 million.
- Net Interest Income: $8.93 million versus $9.36 million estimated by two analysts on average.
View all Key Company Metrics for Provident Financial here>>>
Shares of Provident Financial have returned -0.4% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Provident Financial Holdings, Inc. (PROV): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
