Provident Financial (PROV)
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Fiscal Year End Date: 06/30
(Values in U.S. thousands)
| 06-2025 | 06-2024 | 06-2023 | 06-2022 | 06-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 6,255 | 7,351 | 8,592 | 9,093 | 7,561 |
| Depreciation Amortization | 3,486 | 3,155 | 3,188 | 4,849 | 6,266 |
| Income taxes - deferred | 1,430 | -58 | 1,231 | 1,140 | 481 |
| Accounts payable and accrued liabilities | -1,907 | -2,399 | 121 | 484 | -658 |
| Other Working Capital | -2,173 | -4,400 | 1,755 | -1,625 | -3,330 |
| Other Operating Activity | 1,594 | 2,036 | 1,438 | -2,148 | 1,253 |
| Operating Cash Flow | $8,685 | $5,685 | $16,325 | $11,793 | $11,573 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 273 | 356 | 464 | 813 | 1,090 |
| PPE Investments | -530 | -1,589 | -741 | -165 | -225 |
| Purchase Of Investment | -981 | -63 | -1,266 | -19,204 | -159,169 |
| Sale Of Investment | 21,260 | 23,754 | 30,617 | 55,130 | 52,344 |
| Net Loans | 6,437 | 22,604 | -138,970 | -88,320 | 50,088 |
| Investing Cash Flow | $26,459 | $45,062 | $-109,896 | $-51,746 | $-55,872 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | N/A | N/A | N/A | 5,000 | -5,000 |
| Debt Issued | 87,000 | 85,500 | 65,000 | 0 | N/A |
| Debt Repayment | -77,512 | -30,009 | -30,000 | -20,983 | -35,064 |
| Common Stock Issued | N/A | N/A | N/A | N/A | 981 |
| Common Stock Repurchased | -4,448 | -2,601 | -4,648 | -4,305 | -2,336 |
| Dividend Paid | -3,766 | -3,887 | -3,998 | -4,146 | -4,173 |
| Other Financing Activity | -35,128 | -52,000 | 114,585 | 0 | -877 |
| Financing Cash Flow | $-33,430 | $-65,220 | $136,006 | $-6,903 | $-1,465 |
| Beginning Cash Position | 51,376 | 65,849 | 23,414 | 70,270 | 116,034 |
| End Cash Position | 53,090 | 51,376 | 65,849 | 23,414 | 70,270 |
| Net Cash Flow | $1,714 | $-14,473 | $42,435 | $-46,856 | $-45,764 |
| Free Cash Flow | |||||
| Operating Cash Flow | 8,685 | 5,685 | 16,325 | 11,793 | 11,573 |
| Capital Expenditure | -530 | -1,589 | -741 | -165 | -225 |
| Free Cash Flow | 8,155 | 4,096 | 15,584 | 11,628 | 11,348 |