PROVIDENT FINANCIAL HOLDINGS INC

Listed Company

PROVCIK 0001010470NasdaqNon-AcceleratedSmaller ReportingSavings Institution, Federally CharteredDelawareFY ends Jun 30

Period

FY 2025

Revenue

—

Net Income

$6.25M

Total Assets

$1.25B

Equity

$128.54M

Shares Out

6.25M

Op. Cash Flow

$8.69M

PROV$17.20+12.79% · past yearDBEQ Basic

Daily closing prices

Business

Provident Financial Holdings, Inc. is a savings and loan holding company for Provident Savings Bank, F.S.B., a federally chartered stock savings bank. The Bank provides community banking services including deposit-taking, single-family and multi-family residential mortgage lending, commercial real estate lending, and trustee services, primarily serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank operates 13 full-service banking offices in Riverside and San Bernardino counties.

Summary from 10-K filed 2025-08-29

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-06-30	FY 2024 2024-06-30	FY 2023 2023-06-30	FY 2022 2022-06-30	FY 2021 2021-06-30
Loans receivable, net	53	50	42	32	33
Investment securities	2	2	2	2	2
FHLB - San Francisco and other equity investments	845,000	802,000	556,000	489,000	418,000
Interest-earning deposits	1	2	1	174,000	78,000
Total interest income	57	55	46	35	35
Deposits	11	10	3	1	2
Borrowings	10	10	6	2	3
Total interest expense	21	20	9	—	—
Net interest income	35	35	37	32	31
Recovery of credit losses	−666,000	−63,000	374,000	—	—
Net interest income, after recovery of credit losses	36	35	37	34	31
Loan servicing and other fees	419,000	337,000	414,000	—	—
Other	735,000	1	840,000	719,000	551,000
Total non-interest income	4	4	4	5	5
Salaries and employee benefits	19	18	18	16	15
Premises and occupancy	4	4	3	3	4
Equipment	2	1	1	1	1
Professional	2	2	2	1	2
Sales and marketing	714,000	709,000	622,000	642,000	680,000
Deposit insurance premium and regulatory assessments	740,000	780,000	657,000	543,000	552,000
Other	4	3	3	3	3
Total non-interest expense	31	29	28	26	26
Income before income taxes	9	10	12	13	10
Provision for income taxes	3	3	4	4	3
Net income	6	7	9	9	8
Basic earnings per share ( in dollars per share)	0.93	1.06	1.2	1.23	1.01
Diluted earnings per share ( in dollars per share)	0.93	1.06	1.19	1.22	1

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-06-30	FY 2024 2024-06-30	FY 2023 2023-06-30	FY 2022 2022-06-30	FY 2021 2021-06-30
Cash and cash equivalents	53	51	66	23	70
Investment securities - held to maturity, at cost with no allowance for credit losses	109	130	154	186	—
Investment securities - available for sale, at fair value	2	2	2	3	—
Loans held for investment, net of allowance for credit losses of $6.4 million and $7.1 million, respectively; includes $1.0 million and $1.0 million of loans held at fair value, respectively; $734.4 million and $861.1 million pledged to Federal Home Loan Bank ("FHLB") - San Francisco, respectively; $227.0 million and $178.6 million pledged to Federal Reserve Bank ("FRB") - San Francisco, respectively	1,046	1,053	—	—	—
Accrued interest receivable	4	4	4	3	3
FHLB - San Francisco and other equity investments, includes $730 and $540 of other equity investments at fair value, respectively	10	10	10	8	8
Premises and equipment, net	9	9	9	9	9
Prepaid expenses and other assets	12	12	11	15	15
Total assets	1,246	1,272	1,333	1,187	1,184
Noninterest-bearing deposits	84	96	103	125	123
Interest-bearing deposits	805	793	848	830	815
Total deposits	889	888	951	956	938
Borrowings	213	239	—	—	—
Accounts payable, accrued interest and other liabilities	15	15	18	18	17
Total liabilities	1,117	1,142	1,203	1,058	1,056
Commitments and Contingencies (Note 13)	—	—	—	—	—
Preferred stock, $0.01 par value (2,000,000 shares authorized; none issued and outstanding)	—	—	—	—	—
Common stock, $0.01 par value; (40,000,000 shares authorized; 18,229,615 and 18,229,615 shares issued; 6,577,718 and 6,847,821 shares outstanding, respectively)	183,000	183,000	183,000	183,000	183,000
Additional paid-in capital	99	99	100	99	98
Retained earnings	212	210	207	203	198
Treasury stock at cost (11,651,897 and 11,381,794 shares, respectively)	−183	−179	−177	−173	−169
Accumulated other comprehensive income (loss), net of tax	17,000	−3,000	−38,000	2,000	72,000
Total stockholders' equity	129	130	130	129	127
Total liabilities and stockholders' equity	1,246	1,272	1,333	1,187	1,184

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-06-30	FY 2024 2024-06-30	FY 2023 2023-06-30	FY 2022 2022-06-30	FY 2021 2021-06-30
Net income	6	7	9	9	8
Depreciation and amortization	3	3	3	5	6
Net unrealized gain on other equity investments	−190,000	−540,000	—	—	—
Stock-based compensation	543,000	240,000	1	798,000	1
Provision (benefit) for deferred income taxes	1	−58,000	1	1	481,000
Decrease in accounts payable, accrued interest and other liabilities	−2	−2	121,000	484,000	−658,000
Increase in prepaid expenses and other assets	−266,000	−2	2	−2	−3
Net cash provided by operating activities	9	6	16	12	12
Decrease in loans held for investment, net	6	23	−139	−88	50
Purchase of investment securities - held to maturity	−981,000	—	—	−19	−159
Principal payments from investment securities - held to maturity	21	24	30	55	52
Principal payments from investment securities - available for sale	273,000	356,000	464,000	813,000	1
Purchase of FHLB - San Francisco stock	—	−63,000	−1	−84,000	−185,000
Purchase of premises and equipment	−530,000	−2	−741,000	−165,000	−225,000
Net cash provided by investing activities	26	45	−110	−52	−56
Increase (decrease) in deposits, net	424,000	−62	−5	18	45
Proceeds from long-term borrowings	87	86	65	—	—
Repayment of short-term borrowings, net	−78	−30	−30	−21	−35
Repayments of short-term borrowings, net	−35	−52	—	—	—
Treasury stock purchases	−4	−3	−5	−4	−2
Withholding taxes on stock-based compensation	−128,000	—	−424,000	—	−877,000
Cash dividends	−4	−4	−4	−4	−4
Net cash used for financing activities	−33	−65	136	−7	−1
Net increase (decrease) in cash and cash equivalents	2	−14	42	−47	−46
Cash paid for interest	21	20	7	3	5
Cash paid for income taxes	2	3	3	3	3

Filings

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Frequently asked questions

What is PROVIDENT FINANCIAL HOLDINGS INC's CIK number?

PROVIDENT FINANCIAL HOLDINGS INC's SEC CIK number is 0001010470 (1010470). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find PROVIDENT FINANCIAL HOLDINGS INC's SEC filings?

All of PROVIDENT FINANCIAL HOLDINGS INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did PROVIDENT FINANCIAL HOLDINGS INC last report earnings?

PROVIDENT FINANCIAL HOLDINGS INC (PROV) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000939057-26-000092). This is PROVIDENT FINANCIAL HOLDINGS INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is PROVIDENT FINANCIAL HOLDINGS INC's most recent earnings 8-K?

PROVIDENT FINANCIAL HOLDINGS INC's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0000939057-26-000092. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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