Provident Financial Holdings Inc - Asset Resilience Ratio
Provident Financial Holdings Inc (PROV) has an Asset Resilience Ratio of 7.39% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See PROV working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2002–2025)
This chart shows how Provident Financial Holdings Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see PROV asset base.
Liquid Assets Composition Over Time
This chart breaks down Provident Financial Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of Provident Financial Holdings Inc to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $89.25 Million | 7.39% |
| Total Liquid Assets | $89.25 Million | 7.39% |
Asset Resilience Insights
- Limited Liquidity: Provident Financial Holdings Inc maintains only 7.39% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Provident Financial Holdings Inc Industry Peers by Asset Resilience Ratio
Compare Provident Financial Holdings Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Provident Financial Holdings Inc (2002–2025)
The table below shows the annual Asset Resilience Ratio data for Provident Financial Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-06-30 | 0.01% | $69.00K | $1.25 Billion | -0.14pp |
| 2024-06-30 | 0.15% | $1.85 Million | $1.27 Billion | -0.02pp |
| 2023-06-30 | 0.16% | $2.15 Million | $1.33 Billion | -0.06pp |
| 2022-06-30 | 0.23% | $2.68 Million | $1.19 Billion | -0.08pp |
| 2021-06-30 | 0.30% | $3.59 Million | $1.18 Billion | -0.10pp |
| 2020-06-30 | 0.40% | $4.72 Million | $1.18 Billion | -0.15pp |
| 2019-06-30 | 0.55% | $5.97 Million | $1.08 Billion | -0.09pp |
| 2018-06-30 | 0.64% | $7.50 Million | $1.18 Billion | -0.14pp |
| 2017-06-30 | 0.78% | $9.32 Million | $1.20 Billion | -0.21pp |
| 2016-06-30 | 0.99% | $11.54 Million | $1.17 Billion | -0.22pp |
| 2015-06-30 | 1.21% | $14.16 Million | $1.17 Billion | -0.27pp |
| 2014-06-30 | 1.48% | $16.35 Million | $1.11 Billion | -0.13pp |
| 2013-06-30 | 1.61% | $19.51 Million | $1.21 Billion | -0.20pp |
| 2012-06-30 | 1.82% | $22.90 Million | $1.26 Billion | -6.12pp |
| 2009-06-30 | 7.93% | $125.28 Million | $1.58 Billion | -1.45pp |
| 2008-06-30 | 9.38% | $153.10 Million | $1.63 Billion | +1.38pp |
| 2007-06-30 | 8.00% | $131.84 Million | $1.65 Billion | +0.23pp |
| 2006-06-30 | 7.78% | $126.16 Million | $1.62 Billion | -6.37pp |
| 2005-06-30 | 14.14% | $230.83 Million | $1.63 Billion | +16.52pp |
| 2004-06-30 | -2.37% | $-31.31 Million | $1.32 Billion | -8.46pp |
| 2003-06-30 | 6.09% | $76.84 Million | $1.26 Billion | -5.33pp |
| 2002-06-30 | 11.42% | $114.83 Million | $1.01 Billion | -- |
About Provident Financial Holdings Inc
Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including… Read more