Provident Financial (PROV Quick QuotePROV - Free Report) 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.