OakChart

Provident Financial Holdings Inc

PROVFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 11:52 AM ET

18.16+0.04 (0.22%)
2026-11-11 17:57 CET
Market cap
110.74 USD m
Revenue, TTM
- USD m
Net income, TTM
6.55 USD m
Free cash flow, TTM
10.34 USD m
EPS diluted, TTM
1.02
P/E
17.72
Compare

Price

PROV against its 20, 50 and 200-day averages
2050200beatmiss
16.0017.0018.0019.0023K46KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PROVclose 18.1620-day 18.1750-day 18.32200-day 17.2918.1652w high

4.4% under the 52-week high of 18.99 on 4 Sep 2026. 52-week low 14.95 on 24 Nov 2025. Last 15 sessions, 5.5% high to low

Profile

PROV
52-week range, 79% of the way up
14.9518.99

Provident Financial Holdings, Inc. engages in the provision of banking and financial services. Its services include commercial and consumer lending, deposit products, loan servicing, and wealth management services. The company was founded on January 10, 1996 and is headquartered in Riverside, CA.

Employees158
IPOJun 28, 1996
Beta0.31
ATR, 14d0.21
Rel volume0.48
Short float0.29%
Insider own21.63%
Inst own51.31%

Snapshot

6 groups

Valuation

Index-
Market Cap110.98M
Enterprise Value-
Income6.55M
Sales60.25M
Book/sh20.24
Cash/sh-
Dividend Est.0.56 (3.08%)
Dividend TTM0.56 (3.08%)
Dividend Ex-DateNov 12, 2026
Dividend Gr. 3/5Y0.00% 0.00%
Payout54.55%
Employees158
IPOJun 28, 1996

Ratios

P/E17.72
Forward P/E12.79
PEG-
P/S1.84
P/B0.90
P/C-
P/FCF10.73
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.11
Debt/Eq1.39
LT Debt/Eq0.37
Option/ShortNo / Yes

Earnings

EPS (ttm)1.02
EPS next Y1.42
EPS next Q0.33
EPS this Y20.39%
EPS next Y14.52%
EPS next 5Y-
EPS past 3/5Y-4.93% 0.47%
Sales past 3/5Y5.99% 8.43%
EPS Y/Y TTM13.85%
Sales Y/Y TTM0.19%
EPS Q/Q-1.50%
Sales Q/Q3.82%
EarningsOct 27 BMO
EPS/Sales Surpr.-21.88% 2.66%

Ownership

Insider Own21.63%
Insider Trans-1.01%
Inst Own51.31%
Inst Trans-2.35%
ROA0.54%
ROE5.16%
ROIC3.81%
Gross Margin-
Oper. Margin15.07%
Profit Margin10.87%
SMA20-0.07%
SMA50-0.90%
SMA2005.02%
Trades-

Technical

Shs Outstand6.20M
Shs Float4.79M
Short Float0.29%
Short Ratio0.84
Short Interest0.01M
52W High18.99 -4.37%
52W Low14.95 21.47%
Volatility1.93% 0.87%
ATR (14)0.21
RSI (14)46.14
Beta0.31
Rel Volume0.48
Avg Volume16.64K
Volume3,243

Performance

Perf Week-0.22%
Perf Month0.33%
Perf Quarter0.83%
Perf Half Y6.82%
Perf YTD14.14%
Perf Year18.00%
Perf 3Y61.85%
Perf 5Y6.82%
Perf 10Y-9.43%
Recom3.00
Target Price18.50
Prev Close18.12
Price18.16
Change %0.22%

Analyst ratings

latest 10 of 17
DateActionAnalystRating changeTargetImplied
Jun 26, 2026ResumedPPiper SandlerNeutral$17-6.4%
Jul 14, 2025ResumedPPiper SandlerNeutral$16.50-9.1%
Feb 01, 2021DowngradeHHovde GroupOutperform → Market Perform$17-6.4%
Jan 29, 2021DowngradeJJanneyBuy → Neutral
May 05, 2020UpgradePPiper SandlerNeutral → Overweight$16-11.9%
Feb 11, 2020ResumedPPiper SandlerNeutral$23+26.7%
Jan 29, 2020UpgradeJJanneyNeutral → Buy$24.50+34.9%
May 01, 2019DowngradeFFIG PartnersOutperform → Market Perform
Mar 20, 2019UpgradeHHovde GroupMarket Perform → Outperform$19 → $23+26.7%
Feb 05, 2019UpgradeFFIG PartnersMarket Perform → Outperform$21+15.6%

Peers

Mkt cap
TickerCompanyMkt cap
BYFCBroadway Financial Corp106.98M
RVSBRiverview Bancorp Inc124.75M
SFBCSound Financial Bancorp Inc115.74M
TSBKTimberland Bancorp Inc372.66M
FNWBFirst Northwest Bancorp93.18M
SSBISummit State Bank80.99M
FNRNFirst Northern Community Bancorp271.38M
OVLYOak Valley Bancorp286.36M
BSRRSierra Bancorp543.61M
PBAMPrivate Bancorp of America Inc496.66M

Insider trading

8 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
BLUNDEN CRAIG GDirectorNov 05 '26Sale18.205,700103,740202,284Nov 09 10:08 AM
BLUNDEN CRAIG GDirectorNov 05 '26Proposed Sale18.255,700104,000Nov 05 10:00 AM
Webb MatthewDirectorJul 30 '26Option Exercise12.097,00084,6308,000Jul 31 11:43 AM
Weiant DavidSenior Vice PresidentJun 10 '26Sale17.122,73246,7726,175Jun 10 02:01 PM
Weiant DavidSenior Vice PresidentJun 08 '26Sale17.001,01217,2048,907Jun 09 04:26 PM
Weiant DavidSenior Vice PresidentJun 04 '26Sale17.101,00017,1009,919Jun 05 10:53 AM
Weiant DavidSenior Vice PresidentJun 01 '26Sale16.923,00050,76010,919Jun 02 03:16 PM
Wertz GwendolynSenior Vice PresidentNov 12 '25Sale15.644,80075,07220,537Nov 13 01:58 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
DFASU.S. Small Cap Portfolio-ETF Class Shares-
DFMCU.S. Micro Cap Portfolio ETF Class Shares-
VXFVanguard Extended Market Index ETFAUM: 30.47B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
DFACU.S. Core Equity 2 Portfolio-ETF Class Shares-
IWCiShares Micro-Cap ETFAUM: 1.22B
DCORUS Core Equity 1 Portfolio ETF Class Shares-

News

latest 14 of 206
  • Provident Financial Misses On Provision Build As Its Margin Tailwind Begins To Fade (Earnings Whispers)
  • Provident Financial: Fiscal Q1 Earnings Snapshot (Associated Press)
  • Provident Financial Holdings Reports First Quarter Of Fiscal 2027 Results (GlobeNewswire)
  • Provident Bank Celebrates 70 Years of Community Banking, Trusted Client Relationships and Community Service in the Inland Empire (GlobeNewswire)
  • Provident Financial Holdings Announces New Stock Repurchase Plan (GlobeNewswire)
  • Loading…
  • Provident Financial Holdings Announces Quarterly Cash Dividend (GlobeNewswire)
  • Provident Financial Holdings Faces Margin Test As Earnings Bar Rises Despite Flat Loan Book (Earnings Whispers)
  • Provident Financial Holdings, Inc. To Host Earnings Release Conference Call (GlobeNewswire)
  • Provident Bank Named One of America's Greatest Mid-Market Companies for 2026 by Newsweek (GlobeNewswire)
  • Provident Financial Holdings Inc (PROV) (Q4 2026) Earnings Call Highlights: Net Interest Margin ... (GuruFocus.com)
  • Earnings To Watch: Provident Financial Holdings Inc (PROV) Q4 2026 -- GF Value Sees 8% Downside (GuruFocus.com)
  • Provident Financial: Fiscal Q4 Earnings Snapshot (Associated Press)
  • Provident Financial Holdings Reports Fourth Quarter And Fiscal 2026 Results (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2027Q12026-10-270.2500.3200.25010.5710.302
2026Q42026-07-280.3500.2900.34510.5910.002
2026Q32026-04-280.2100.3100.2109.88-1
2026Q22026-01-270.2200.3500.2209.8410.101
2026Q12025-10-280.2500.3000.2549.7410.202
2025Q42025-07-280.2400.3150.2449.7610.302
2025Q32025-04-280.2800.2400.27610.129.862
2025Q22025-01-280.1300.2550.1289.609.742
2025Q12024-10-280.2800.2450.2789.529.472
2024Q42024-07-290.2800.2600.2839.929.432
2024Q32024-04-290.2200.2350.2169.419.732
2024Q22024-01-290.3100.2550.3079.6510.002
2024Q12023-10-250.2500.2800.2519.3510.203
2023Q42023-07-260.2600.3270.25610.3710.323
2023Q32023-04-260.3300.3300.32510.3810.202
2023Q22023-01-270.3300.3250.32810.3410.402

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.6400.8430.64366.5667.06
2018FY0.2800.6850.27758.2059.54
2019FY0.5800.4700.58250.6851.29
2020FY1.0100.9551.01540.9241.66
2021FY1.0000.7551.00335.2135.60
2022FY1.2201.0151.22136.3135.50
2023FY1.1901.2901.19541.0641.02
2024FY1.0601.0201.05638.8638.38
2025FY0.9301.1150.92539.0039.50
2026FY1.0301.0351.03040.0539.40
2027FY-1.240--41.80
2028FY-1.420--42.10

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2027Q2S2026-10-2910010.5010.5010.50
2027Q2S2026-10-2710010.4010.4010.40
2027Q2S2026-10-1410010.4010.4010.40
2027Q2S2026-07-3111010.4010.4010.40
2027Q2S2026-07-2810010.0010.0010.00
2027Q2S2026-06-2510010.0010.0010.00
2027Q2S2026-01-1110010.6010.6010.60
2027Q2S2025-11-1110110.6010.6010.60
2027Q2S2025-11-1010110.6010.6010.60
2027Q2S2025-11-0910110.6010.6010.60
2027Q2S2025-11-0810110.6010.6010.60
2027Q2S2025-11-0710110.6010.6010.60
2027Q2S2025-11-0610110.6010.6010.60
2027Q2S2025-11-0510110.6010.6010.60

Estimate history

EPS, annual0.2770.5821.0151.0031.2211.1951.0560.9251.0271.0246
Period201820192020202120222023202420252026TTM
EPS, quarterly0.2780.1280.2760.2440.2540.220.210.3450.25
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Sales, annual65.65457.27446.97639.77439.44650.06758.67160.15559.61560.25
Period201820192020202120222023202420252026TTM
Sales, quarterly14.97414.86615.33614.97914.95914.86714.6415.21615.531
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Shares, annual7.4217.4867.4367.5417.2857.0436.8486.5786.2646.198
Period201820192020202120222023202420252026MRQ
Shares, quarterly6.7696.7066.6546.5786.5116.4156.3236.2646.198
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27

Income statement, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Interest Income56.4755.8956.6254.7345.9934.7335.2042.4644.38
Total Interest Expense19.3019.5621.1619.819.013.134.566.056.21
Net Interest Income37.1736.3335.4734.9236.9831.5930.6436.4038.17
Loan Loss Provision0.85-0.55-0.67-0.060.37-2.46-0.711.12-0.47
Net Interest Income After Loan Loss Provision36.3236.8836.1334.9936.6134.0631.3535.2838.65
Non-Interest Income3.783.733.533.944.084.724.574.5212.90
Non-Interest Expense31.0230.9730.7928.5428.2725.9125.7328.9045.62
Operating Income9.089.648.8710.3912.4212.8610.1910.905.92
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes9.089.648.8710.3912.4212.8610.1910.905.92
Income Taxes2.532.982.623.043.823.772.633.211.50
Consolidated Net Income6.556.666.257.358.599.097.567.694.42
Net Income From Continuing Operations6.556.666.257.358.599.097.567.694.42
Net Income6.556.666.257.358.599.097.567.694.42
EPS (Recurring)1.041.030.931.061.191.221.001.010.58
EPS (Basic, Before Extraordinaries)1.041.040.931.061.201.231.011.030.59
EPS (Diluted)1.021.030.931.061.191.221.001.010.58
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.570.470.430.240.950.630.950.700.72
Price To Earnings Ratio17.6817.6816.0512.1510.6812.1517.2413.2731.66
Price To Sales Ratio1.881.871.741.481.832.803.272.162.78
Operating Margin15.0716.1614.7517.7024.8032.6025.6123.2110.34
Net Margin10.8711.1610.4012.5317.1623.0519.0116.377.71
Shares Outstanding6.206.266.586.857.047.297.547.447.49
Market Capitalization110.74110.74102.6385.9789.54108.04129.8199.72157.36

Income statement, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q42025Q32025Q2
Interest Income14.7313.9313.8613.9514.1514.1014.4314.02
Total Interest Expense4.964.624.705.035.225.225.225.26
Net Interest Income9.779.319.168.928.938.889.218.76
Loan Loss Provision0.78-0.100.33-0.16-0.63-0.16-0.390.59
Net Interest Income After Loan Loss Provision8.999.418.849.089.569.059.608.17
Non-Interest Income0.801.280.780.920.810.880.910.84
Non-Interest Expense7.627.757.717.957.637.627.867.79
Operating Income2.182.941.912.052.732.312.651.22
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes2.182.941.912.052.732.312.651.22
Income Taxes0.600.760.560.611.050.680.800.35
Consolidated Net Income1.572.181.351.441.681.631.860.87
Net Income From Continuing Operations1.572.181.351.441.681.631.860.87
Net Income1.572.181.351.441.681.631.860.87
EPS (Recurring)0.250.340.210.220.250.240.280.13
EPS (Basic, Before Extraordinaries)0.250.350.210.220.260.250.280.13
EPS (Diluted)0.250.340.210.220.250.240.280.13
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.170.180.120.100.100.090.100.10
Price To Earnings Ratio17.6818.5316.2217.6317.0016.0516.1214.68
Price To Sales Ratio1.881.831.751.731.741.711.621.80
Operating Margin14.0219.3213.0513.7918.2815.3917.318.23
Net Margin10.1314.359.259.6611.2410.8612.115.87
Shares Outstanding6.206.266.326.416.516.586.656.71
Market Capitalization110.74107.56102.77103.00103.59102.6397.62107.60

Balance sheet, annual

Currency USD, millions
Metric2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Cash & Due from Banks49.2153.0951.3865.8523.4170.27116.0370.6343.30
Investments101.13121.30142.01166.00196.66235.05131.31108.26200.66
Net Loans1,032.681,045.741,052.981,077.63939.99850.96902.80879.92902.68
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets-------0.000.91
Net Property, Plant & Equipment9.239.329.319.238.839.3810.258.238.70
Interest Receivables4.294.214.293.712.973.003.273.423.21
Deferred Tax Assets5.225.246.176.115.776.296.857.258.01
Other Intangible Assets11.6211.9411.6310.3113.7512.4010.1610.8511.93
Total Assets1,213.381,250.851,277.771,338.841,191.371,187.351,180.671,088.561,179.39
Total Deposits910.38888.77888.35950.57955.50937.97892.97841.27907.60
Total Debt159.15214.75239.91237.1887.00103.17143.69101.11126.16
Long Term Debt46.4251.0393.7386.3051.1781.31112.94101.11101.16
Provision for Risks Charges0.760.030.000.270.170.120.180.200.20
Deferred Tax Liabilities6.396.075.575.894.343.753.833.713.84
Other Liabilities10.4812.6814.0015.2415.7115.0416.0221.6421.13
Total Liabilities1,087.161,122.311,147.831,209.151,062.721,060.071,056.70967.921,058.93
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity126.22128.54129.94129.69128.65127.28123.98120.64120.46
Total Shareholders Equity126.22128.54129.94129.69128.65127.28123.98120.64120.46
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity126.22128.54129.94129.69128.65127.28123.98120.64120.46
Total Liabilities & Stockholders Equity1,213.381,250.851,277.771,338.841,191.371,187.351,180.671,088.561,179.39
Book Value Per Share20.1519.5418.9818.4117.6616.8816.6716.1216.23
Tangible Book Value Per Share20.1519.5418.9818.4117.6616.8816.6716.1216.23
Tier 1 Capital122.75125.20126.60125.98124.87121.62116.97115.01120.22
Tier 2 Capital5.906.467.125.995.697.718.357.227.54
Full-Time Employees158163160161162161178187376
Price to Book Ratio0.900.800.670.690.841.020.801.301.18
Return on Assets0.540.490.560.680.760.640.680.390.18
Return on Equity5.224.845.666.657.116.026.293.661.71
Return on Invested Capital3.853.483.293.985.063.623.251.990.96
Current Ratio0.070.070.110.160.050.400.630.340.19

Cash flow, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Funds from Operations11.6210.6010.8610.0914.5713.4214.9013.841.39
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-0.77-1.63-2.17-4.401.75-1.62-3.33-5.882.64
Cash from Operating Activities10.868.978.695.6816.3211.7911.577.954.03
Capital Expenditures-0.51-0.43-0.53-1.59-0.74-0.17-0.23-0.23-0.45
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments19.9420.2320.5524.1131.0836.82-105.73-23.57-4.74
Purchase of Investments0.000.00-0.980.000.00-19.12-159.17-56.26-40.68
Sale Or Maturity of Investments19.9420.2321.5324.1131.0855.9453.4332.6935.94
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities21.6731.5026.4645.06-109.90-51.75-55.87-48.91120.35
Cash Dividends Paid-3.55-3.59-3.77-3.89-4.00-4.15-4.17-4.18-4.19
Change in Capital Stock-6.54-5.98-4.45-2.60-4.65-4.30-1.35-1.07-0.86
Repurchase of Common Pref Stock-6.62-5.98-4.45-2.60-4.65-4.30-2.34-1.28-1.41
Sale of Common Pref Stock0.090.000.000.000.000.000.980.210.55
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-41.03-56.03-25.513.49150.01-15.98-40.0639.94-25.06
Change in Long Term Debt-41.03-46.039.4955.4935.00-20.98-35.0629.94-10.06
Issuance of Long Term Debt99.0084.0087.0085.5065.000.000.0030.010.00
Reduction of Long Term Debt-140.03-130.03-77.51-30.01-30.00-20.98-35.06-0.07-10.06
Net Financing Active Other Cash Flow-0.46-0.35-0.130.00-0.420.00-0.88-0.03-0.61
Other Financing Activities Uses-0.46-0.35-0.130.00-0.420.00-0.88-0.03-0.61
Cash from Financing Activities-28.69-44.35-33.43-65.22136.01-6.90-1.4786.36-97.05
Net Change in Cash3.84-3.881.71-14.4742.44-46.86-45.7645.4027.33
Free Cash Flow10.348.548.154.1015.5811.6311.357.723.58
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow16.7022.5423.88416.227.9114.7618.1428.68-
Federal Home Loan Advances Increase (Decrease)-0.000.00-0.06-1.27-0.080.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Cash & Due from Banks53.2449.2157.1354.3749.4153.09
Investments95.91101.13105.53110.59115.69121.30
Net Loans1,036.691,032.681,029.641,037.651,041.781,045.74
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment9.009.239.559.848.999.32
Interest Receivables4.424.294.204.114.184.21
Deferred Tax Assets-5.22---5.24
Other Intangible Assets10.6711.6211.5711.3310.7611.94
Total Assets1,209.941,213.381,217.621,227.891,230.811,250.85
Total Deposits897.73910.38892.88872.43874.84888.77
Total Debt173.99159.15186.31215.46214.59214.75
Long Term Debt46.4446.4296.1381.1036.0751.03
Provision for Risks Charges0.090.760.060.040.050.03
Deferred Tax Liabilities-6.39---6.07
Other Liabilities12.7010.4811.7912.4612.9612.68
Total Liabilities1,084.501,087.161,091.051,100.401,102.441,122.31
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity125.44126.22126.57127.49128.37128.54
Total Shareholders Equity125.44126.22126.57127.49128.37128.54
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity125.44126.22126.57127.49128.37128.54
Total Liabilities & Stockholders Equity1,209.941,213.381,217.621,227.891,230.811,250.85
Book Value Per Share20.2420.1520.0219.8719.7219.54
Tangible Book Value Per Share20.2420.1520.0219.8719.7219.54
Tier 1 Capital111.70122.75120.17118.51116.72125.20
Tier 2 Capital6.685.906.005.675.836.46
Full-Time Employees-158---163
Price to Book Ratio0.900.860.810.810.810.80
Return on Assets0.540.540.490.530.490.49
Return on Equity5.165.224.775.154.684.84
Return on Invested Capital0.921.270.610.691.020.91
Current Ratio0.110.070.140.130.100.07

Cash flow, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Funds from Operations3.313.202.852.262.293.42
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital1.070.16-0.96-1.040.21-0.94
Cash from Operating Activities4.383.371.891.222.502.48
Capital Expenditures-0.12-0.06-0.14-0.19-0.04-0.31
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments5.224.774.905.055.514.21
Purchase of Investments0.000.000.000.000.00-0.98
Sale Or Maturity of Investments5.224.774.905.055.515.20
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-0.091.3511.818.609.7416.83
Cash Dividends Paid-0.88-0.87-0.89-0.91-0.92-0.92
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.61-1.89-1.50-1.54-1.06-1.15
Repurchase of Common Pref Stock-1.70-1.89-1.50-1.54-1.06-1.15
Sale of Common Pref Stock0.090.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net14.99-27.01-29.01-0.01-0.01-2.51
Change in Long Term Debt-0.01-15.01-39.0112.99-5.01-2.51
Issuance of Long Term Debt15.0015.0015.0054.000.0020.00
Reduction of Long Term Debt-15.01-30.01-54.01-41.01-5.01-22.51
Net Financing Active Other Cash Flow-0.10-0.350.000.000.000.00
Other Financing Activities Uses-0.10-0.350.000.000.000.00
Cash from Financing Activities-0.26-12.63-10.94-4.85-15.92-17.13
Net Change in Cash4.04-7.922.764.96-3.682.17
Free Cash Flow4.263.311.751.032.452.17
Price to Free Cash Flow16.7022.0327.6819.7623.2323.50

Revenue breakdown

United States2025: 39.00M 2026: 40.05M
Total Savings Institution, Federally Chartered revenue2025: 39.00M 2026: 40.05M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.29%0.0M4.9M15.17K
2026-10-150.44%0.0M4.9M13.95K
2026-09-300.41%0.0M4.9M12.01K
2026-09-150.40%0.0M4.9M10.76K
2026-08-310.52%0.0M4.9M8.67K
2026-08-140.53%0.0M4.9M6.83K
2026-07-310.61%0.0M5.0M6.37K
2026-07-150.68%0.0M5.0M6.79K
2026-06-300.65%0.0M5.0M8.35K
2026-06-150.84%0.0M5.0M8.96K
2026-05-290.78%0.0M5.0M8.78K
2026-05-150.77%0.0M5.0M8.59K
2026-04-300.70%0.0M5.0M8.60K
2026-04-150.67%0.0M5.1M8.74K
2026-03-310.66%0.0M5.1M7.63K
2026-03-130.67%0.0M5.1M7.12K
2026-02-270.62%0.0M5.1M7.69K
2026-02-130.62%0.0M5.1M7.90K
2026-01-300.65%0.0M5.2M7.74K
2026-01-150.63%0.0M5.2M7.14K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-094Statement of changes in beneficial ownership of securities2026-11-05SEC
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-05144Filing for proposed sale of securities under Rule 144.SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-238-KCurrent report2026-10-22SEC
2026-10-238-KCurrent report2026-10-22SEC
2026-10-09DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-11-19SEC
2026-10-074/A2026-05-23SEC
2026-10-074Statement of changes in beneficial ownership of securities2024-08-12SEC
2026-10-074Statement of changes in beneficial ownership of securities2024-08-12SEC
2026-10-074Statement of changes in beneficial ownership of securities2026-05-23SEC
2026-10-074Statement of changes in beneficial ownership of securities2024-08-12SEC
2026-10-074Statement of changes in beneficial ownership of securities2026-05-23SEC
2026-10-074Statement of changes in beneficial ownership of securities2024-08-12SEC
2026-10-074Statement of changes in beneficial ownership of securities2026-05-23SEC
2026-10-074Statement of changes in beneficial ownership of securities2026-05-23SEC
2026-09-0210-KAnnual report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-30SEC
2026-07-288-KCurrent report2026-07-28SEC
2026-07-274Statement of changes in beneficial ownership of securities2026-07-23SEC
2026-07-273Initial statement of beneficial ownership of securities2026-07-23SEC
2026-07-248-KCurrent report2026-07-23SEC
2026-07-248-KCurrent report2026-07-23SEC
2026-06-104Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-094Statement of changes in beneficial ownership of securities2026-06-08SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1100103.74K1
2026-100000
2026-090000
2026-080000
2026-070000
2026-0600131.84K4
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110075.07K1

Institutional holders

Manager% owned
RAFFLES ASSOCIATES LP12.51%
DIMENSIONAL FUND ADVISORS LP7.87%
Fourthstone LLC5.92%
MANUFACTURERS LIFE INSURANCE COMPANY, THE4.86%
AMERIPRISE FINANCIAL INC4.51%
BlackRock, Inc.4.50%
VANGUARD CAPITAL MANAGEMENT LLC3.84%
RENAISSANCE TECHNOLOGIES LLC3.38%
M3F, Inc.3.12%
BRIDGEWAY CAPITAL MANAGEMENT, LLC1.12%

Funds

Fund% owned
Columbia Small Cap Value Discovery Fund3.41%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.79%
U.S. SMALL CAP VALUE PORTFOLIO2.71%
U.S. MICRO CAP PORTFOLIO1.02%
VANGUARD EXTENDED MARKET INDEX FUND0.94%
U.S. Targeted Value Portfolio0.77%
U.S. SMALL CAP PORTFOLIO0.73%
Columbia Variable Portfolio - Small Cap Value Discovery Fund0.67%
EA Bridgeway Omni Small-Cap Value ETF0.55%
Dimensional U.S. Targeted Value ETF0.55%

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