Provident Financial Holdings, Inc. (PROV) Shareholder/Analyst Call Prepared Remarks Transcript

Provident Financial Holdings, Inc. ( PROV ) Shareholder/Analyst Call November 20, 2025 11:00 AM EST Company Participants Donavon Ternes - President & CEO Craig Blunden Peter Fan - Senior VP, CFO & Corporate Secretary Presentation Operator Hello, and welcome to the Annual Meeting of Shareholders of Provident Financial Holdings, Inc. Please note that today's meeting is being recorded. During the meeting, we will have the question and answer session.

Seeking Alpha • Nov 20, 2025

Provident Financial Holdings, Inc. (PROV) Q1 2026 Earnings Call Transcript

Provident Financial Holdings, Inc. ( PROV ) Q1 2026 Earnings Call October 29, 2025 12:00 PM EDT Company Participants Donavon Ternes - President & CEO Conference Call Participants Frank Williams - Piper Sandler & Co., Research Division Timothy Coffey - Janney Montgomery Scott LLC, Research Division Presentation Operator Good morning, ladies and gentlemen, and thank you for standing by. My name is Kelvin, and I will be your conference operator today.

Seeking Alpha • Oct 29, 2025

Provident Financial Holdings Reports First Quarter of Fiscal 2026 Results

Net Income of $1.68 million in the September 2025 Quarter, Up 3% from the Sequential Quarter and Down 12% from the Comparable Quarter Last Year  Net Interest Margin of 3.00% in the September 2025 Quarter, Up Six Basis Points from the Sequential Quarter and Up 16 Basis Points from the Comparable Quarter Last Year Loans Held for Investment of $1.04 Billion at September 30, 2025, Down Slightly from $1.05 Billion at June 30, 2025 Total Deposits of $874.8 Million at September 30, 2025, Down 2% from June 30, 2025 Non-Performing Assets to Total Assets Ratio of 0.15% at September 30, 2025, Up from 0.11% at June 30, 2025 RIVERSIDE, Calif., Oct. 28, 2025 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B.

GlobeNewsWire • Oct 28, 2025

Provident Financial (PROV) Misses Q1 Earnings and Revenue Estimates

Provident Financial (PROV) came out with quarterly earnings of $0.25 per share, missing the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.28 per share a year ago.

Zacks Investment Research • Oct 28, 2025

Provident Financial (PROV) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Provident Financial (PROV) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research • Oct 28, 2025

Provident Financial Holdings Announces Quarterly Cash Dividend

RIVERSIDE, Calif., Oct. 23, 2025 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B.

GlobeNewsWire • Oct 23, 2025

Provident Financial Holdings, Inc. (PROV) Q4 2025 Earnings Call Transcript

Provident Financial Holdings, Inc. (NASDAQ:PROV ) Q4 2025 Earnings Conference Call July 29, 2025 12:00 PM ET Company Participants Donavon P. Ternes - President & CEO Conference Call Participants Frank Daniel Williams - Piper Sandler & Co., Research Division Timothy Norton Coffey - Janney Montgomery Scott LLC, Research Division Operator Hello, and thank you for standing by.

Seeking Alpha • Jul 29, 2025

Provident Financial Holdings Reports Fourth Quarter and Fiscal Year 2025 Results

Net Income of $1.63 million in the June 2025 Quarter, Down 12% from the Sequential Quarter and Down 17% from the Comparable Quarter Last Year Net Interest Margin of 2.94% in the June 2025 Quarter, Down Eight Basis Points from the Sequential Quarter, Up 20 Basis Points from the Comparable Quarter Last Year Loans Held for Investment of $1.05 Billion at June 30, 2025, Down 1% from June 30, 2024 Total Deposits of $888.8 Million at June 30, 2025, virtually Unchanged from June 30, 2024 Non-Performing Assets to Total Assets Ratio of 0.11% at June 30, 2025, Improved from 0.20% at June 30, 2024 RIVERSIDE, Calif., July 28, 2025 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B.

GlobeNewsWire • Jul 28, 2025

Provident Financial (PROV) Misses Q4 Earnings and Revenue Estimates

Provident Financial (PROV) came out with quarterly earnings of $0.24 per share, missing the Zacks Consensus Estimate of $0.29 per share. This compares to earnings of $0.28 per share a year ago.

Zacks Investment Research • Jul 28, 2025

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

While the top- and bottom-line numbers for Provident Financial (PROV) give a sense of how the business performed in the quarter ended June 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Zacks Investment Research • Jul 28, 2025