For the quarter ended March 2025, Provident Financial (PROV) reported revenue of $10.12 million, up 7.5% over the same period last year. EPS came in at $0.28, compared to $0.22 in the year-ago quarter.
The reported revenue represents a surprise of +2.42% over the Zacks Consensus Estimate of $9.88 million. With the consensus EPS estimate being $0.24, the EPS surprise was +16.67%.
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% compared to the 3% average estimate based on two analysts.
- Efficiency ratio: 77.6% versus 75.9% estimated by two analysts on average.
- Total Non-Interest Income: $0.91 million versus the two-analyst average estimate of $0.94 million.
- Net Interest Income: $9.21 million versus the two-analyst average estimate of $8.95 million.
View all Key Company Metrics for Provident Financial here>>>
Shares of Provident Financial have returned +1.4% over the past month versus the Zacks S&P 500 composite's -4.3% 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
