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

Provident Financial (PROV) reported $9.76 million in revenue for the quarter ended June 2025, representing a year-over-year decline of 1.6%. EPS of $0.24 for the same period compares to $0.28 a year ago.The reported revenue represents a surprise of -6.14% over the Zacks Consensus Estimate of $10.4 million. With the consensus EPS estimate being $0.29, the EPS surprise was -17.24%.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: 2.9% versus 3.1% estimated by two analysts on average.Efficiency ratio: 78.1% compared to the 73.9% average estimate based on two analysts.Total Non-Interest Income: $0.88 million compared to the $0.96 million average estimate based on two analysts.Net Interest Income: $8.88 million versus $9.43 million estimated by two analysts on average.View all Key Company Metrics for Provident Financial here>>>Shares of Provident Financial have returned -1.5% over the past month versus the Zacks S&P 500 composite's +4.9% 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.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They includeStock #1: A Disruptive Force with Notable Growth and ResilienceStock #2: Bullish Signs Signaling to Buy the DipStock #3: One of the Most Compelling Investments in the MarketStock #4: Leader In a Red-Hot Industry Poised for GrowthStock #5: Modern Omni-Channel Platform Coiled to SpringMost of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.Download Atomic Opportunity: Nuclear Energy's Comeback free today.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 ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks