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PROV on Nasdaq

PROVIDENT FINANCIAL HOLDINGS INC

PROVIDENT FINANCIAL HOLDINGS INC is an American savings institution company, incorporated in Delaware.1 It is headquartered in Riverside, California.1

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Last updated Oct 21, 2026.

Overview

$6.7MNet income, fiscal 20262

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  • TickerPROV on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersRiverside, California1
  • Incorporated inDE3
  • Business address3756 Central Ave, Riverside, Ca 925063
  • Filer categoryNon-accelerated filer, Smaller reporting company3

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Provident Financial Holdings, Inc. (the “Corporation”), a Delaware corporation, was organized in January 1996 for the purpose of becoming the holding company of Provident Savings Bank, F.S.B. (the “Bank”) upon the Bank’s conversion from a federal mutual to a federal stock savings bank (“Conversion”). The Conversion was completed in June 1996. The Corporation is regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve”). At June 30, 2026, the Corporation had consolidated total assets of $1.21 billion, total deposits of $910.4 million and stockholders’ equity of $126.2 million. The Corporation has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Annual Report on Form 10-K (“Form 10-K”), including the audited consolidated financial statements and related data, relates primarily to the …5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

5.3%Return on equity2
$8.5MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Debit Card brought in 53% of the revenue PROVIDENT FINANCIAL HOLDINGS INC broke down this way in fiscal 2026.

  1. Debit Card$1.2M253%down 5% from 2025
  2. Deposit Account$1.1M247%down 4% from 2025
Products and services by year
Products and services20252026
Debit Card$1.3M$1.2M
Deposit Account$1.1M$1.1M

Financial statements

Net income678910112$6.7M in 2026+51% since 2019
0$2.5M$5.0M$7.5M$10.0M2019: $4.4M$4.4M20192020: $7.7M$7.7M2020+74%2021: $7.6M$7.6M2021−2%2022: $9.1M$9.1M2022+20%2023: $8.6M$8.6M2023−6%2024: $7.4M$7.4M2024−14%2025: $6.3M$6.3M2025−15%2026: $6.7M$6.7M2026+6%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2026-06-302025-06-30
Loans receivable, net$52.0M$52.5M
Investment securities$1.6M$1.9M
FHLB - San Francisco and other equity investments$1.1M$845.0K
Interest-earning deposits$1.2M$1.4M
Total interest income$55.9M$56.6M
Deposits$11.8M$11.2M
Borrowings$7.7M$9.9M
Total interest expense$19.6M$21.2M
Net interest income$36.3M$35.5M
Recovery of credit losses-$553.0K-$666.0K
Net interest income, after recovery of credit losses$36.9M$36.1M
Loan servicing and other fees$583.0K$419.0K
Other$873.0K$735.0K
Total non-interest income$3.7M$3.5M
Salaries and employee benefits$19.3M$19.0M
Premises and occupancy$3.6M$3.6M
Equipment$1.8M$1.5M
Professional$1.6M$1.6M
Sales and marketing$712.0K$714.0K
Deposit insurance premium and regulatory assessments$661.0K$740.0K
Other$3.5M$3.6M
Total non-interest expense$31.0M$30.8M
Income before income taxes$9.6M$8.9M
Provision for income taxes$3.0M$2.6M
Net income$6.7M$6.3M
Basic earnings per share ( in dollars per share)$1.04$0.93
Diluted earnings per share ( in dollars per share)$1.03$0.93

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Corporate structure

PROVIDENT FINANCIAL HOLDINGS INC sits at the top of its group. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PROVIDENT FINANCIAL HOLDINGS INC

  • PROVIDENT FINANCIAL HOLDINGS INC Riverside, California
    • First Service Corporation (1) Subsidiary · California, United States
    • Profed Mortgage, Inc. (1) Subsidiary · California, United States
    • Provident Financial Corp Subsidiary · California, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PROVIDENT FINANCIAL HOLDINGS INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$23.9M2 Jun 30, 2026$24.1M2 Jun 30, 2025−0.7%
Accumulated depreciation$14.7M2 Jun 30, 2026$14.8M2 Jun 30, 2025−0.5%
Property and equipment, net$9.2M2 Jun 30, 2026$9.3M2 Jun 30, 2025−1.0%
Finance-lease assets$57.0K2 Jun 30, 2026$75.0K2 Jun 30, 2025−24.0%
Operating-lease assets (leased space)$2.1M2 Jun 30, 2026$1.7M2 Jun 30, 2025+26.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$49.2M2 Jun 30, 2026$53.1M2 Jun 30, 2025−7.3%
Loans, net of allowance$1.0B2 Jun 30, 2026$1.0B2 Jun 30, 2025−1.2%
Deposits held (banks)$910.4M2 Jun 30, 2026$888.8M2 Jun 30, 2025+2.4%

Properties, in its own words

At June 30, 2026, the net book value of the Corporation’s properties (including land and buildings) and its furniture, fixtures and equipment was $9.2 million. The Corporation’s home office is located in Riverside, California. Including the home office, the Corporation has 13 retail banking offices, 12 of which are located in Riverside County in the cities of Riverside (5), Moreno Valley, Hemet, Sun City, Rancho Mirage, Corona, Temecula and Blythe. One office is located in Redlands, San Bernardino County, California. The Corporation owns six of the retail banking offices and has seven leased retail banking offices. The lease term maturity dates range from 2028 to 2031, some of which have remaining extension options. In the opinion of management, all properties are adequately covered by insurance, are in a good state of repair and are appropriately designed for their present and future use.

Item 2 of the 10-K filed Sep 2, 2026.5

Leadership

Who has led PROVIDENT FINANCIAL HOLDINGS INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Craig G. Blunden2006–2022
  2. Donavon P. Ternes2024–now

Chair

  1. Craig G. Blunden2006–2022

President

  1. Craig G. Blunden2006–2011
  2. Donavon P. Ternes2014–now

Chief financial officer

  1. Donavon P. Ternes2014–2022
  2. Tam B. Nguyen2024
  3. Haryanto Lee Sunarto2025
  4. Peter Chai Fan2025–now

Chief operating officer

  1. Donavon P. Ternes2014–2022
2010201520202025
Board members and other officers (21)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • First Service Corporation (1) California4
  • Profed Mortgage, Inc. (1) California4
  • Provident Financial Corp California4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Jul 28, 20268-K Results of operations; Regulation FD disclosure42
  2. Jul 24, 20268-K Executive or director change43
  3. Jul 24, 20268-K Other events44
  4. May 28, 20268-K Executive or director change45
  5. Apr 28, 20268-K Results of operations; Regulation FD disclosure46
  6. Apr 24, 20268-K Other events47
  7. Apr 17, 20268-K Other events48
  8. Jan 27, 20268-K Results of operations; Regulation FD disclosure49
  9. Jan 23, 20268-K Other events50
  10. Jan 23, 20268-K Other events51
  11. Nov 21, 20258-K Shareholder vote52
  12. Oct 28, 20258-K Results of operations; Regulation FD disclosure53
  13. May 28, 2024New chief executive Donavon P. Ternes becomes CEO15
  14. Feb 9, 2006New chief executive Craig G. Blunden becomes CEO16

Calendar

Coming up

  1. Oct 27, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.25 a share, on Oct 28, 2025.54

When it reported results

  1. Jul 28, 2026Reported quarterly or annual results42
  2. Apr 28, 2026Reported quarterly or annual results46
  3. Jan 27, 2026Reported quarterly or annual results49
  4. Oct 28, 2025Reported quarterly or annual results53
  5. Jul 28, 2025Reported quarterly or annual results55
  6. Apr 28, 2025Reported quarterly or annual results56
  7. Jan 28, 2025Reported quarterly or annual results57
  8. Oct 28, 2024Reported quarterly or annual results58

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

175 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 64 major events, 64 insider forms, 20 large holders, 7 other. The latest 20:

  1. Oct 9, 2026DEF 14A EDGAR
  2. Oct 7, 20264/A PRIMARY DOCUMENT EDGAR
  3. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  4. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  5. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  6. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  7. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  8. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  9. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  10. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  11. Sep 2, 202610-K EDGAR
  12. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  13. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  14. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  15. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  16. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 31, 20264 PRIMARY DOCUMENT EDGAR
  18. Jul 28, 20268-K EDGAR
  19. Jul 27, 20264 PRIMARY DOCUMENT EDGAR
  20. Jul 27, 20263 PRIMARY DOCUMENT EDGAR

The 175 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

7 open-market trades by officers, directors and large owners since October 2021: 0 buys and 7 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 10, 2026Weiant DavidSenior Vice PresidentSale2,732$17.12$46.8KForm 4
Jun 8, 2026Weiant DavidSenior Vice PresidentSale1,012$17.00$17.2KForm 4
Jun 4, 2026Weiant DavidSenior Vice PresidentSale1,000$17.10$17.1KForm 4
Jun 1, 2026Weiant DavidSenior Vice PresidentSale3,000$16.92$50.8KForm 4
Nov 12, 2025Wertz GwendolynSenior Vice PresidentSale4,800$15.64$75.1KForm 4
Jun 10, 2025Wertz GwendolynSenior Vice PresidentSale1,940$15.40$29.9KForm 4
Oct 31, 2024BLUNDEN CRAIG GDirectorSale1,059$15.57$16.5KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2026Donavon P. Ternes66$529.6K$854.6K67
2026David S. Weiant$303.6K$337.9K67
2026Gwendolyn L. Wertz$257.1K$287.5K67
2025President and Chief Executive Officer$511.5K$732.5K67
2025Senior VicePresident – Chief Lending Officer$297.2K$332.2K67

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 30. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Raffles Associates LP782,236$13.5M5.9%+391,118
Dimensional Fund Advisors LP490,819$8.4M0.0%+409
Fourthstone LLC369,973$6.4M4.6%+4,341
Manufacturers Life Insurance Company, The303,733$5.2M0.0%−2,701
Ameriprise Financial Inc281,949$4.8M0.0%−878
BlackRock, Inc.281,656$4.8M0.0%+5,720
Vanguard Capital Management LLC239,883$4.1M0.0%−206
Renaissance Technologies LLC211,347$3.6M0.0%−1,006
Bridgeway Capital Management, LLC69,795$1.2M0.0%+741
Geode Capital Management, LLC56,038$964.1K0.0%−1,358
Empowered Funds, LLC34,595$595.0K0.0%+741
Federated Hermes, Inc.34,351$590.8K0.0%+1,450
Susquehanna International Group, Llp32,363$556.6K0.0%+13,756
Vanguard Fiduciary Trust Co30,354$522.1K0.0%−2,717
State Street Corp24,683$424.5K0.0%−200
Northern Trust Corp12,157$209.1K0.0%−10,266
Bank of New York Mellon Corp11,047$190.0K0.0%−1
Vanguard Global Advisers, LLC2,605$44.8K0.0%No change
Morgan Stanley1,593$27.4K0.0%+558
UBS Group AG997$17.1K0.0%+488
Wells Fargo & Company/mn699$12.0K0.0%No change
Tower Research Capital LLC (TRC)155$2.7K0.0%+72
Fmr LLC100$1.7K0.0%No change
Bayban100$1.7K0.0%No change
Acadian Asset Management LLC38,768$6580.0%+8,902

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How PROVIDENT FINANCIAL HOLDINGS INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPROVIDENT FINANCIAL HOLDINGS INC1
  • CIK0001010470
  • Employer ID (EIN)33-07048895
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inDelaware5
  • Fiscal year endsJune 301
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address3756 Central Ave, Riverside, CA 925061
  • Mailing address3756 Central Avenue, Riverside, CA 925061
  • Phone90968660601
  • Shares outstanding6,233,958 shares as of Aug 31, 20265
  • Public float$91.3M as of Dec 31, 20255
  • AuditorDeloitte & Touche LLP, Costa Mesa, California PCAOB ID 34; no auditor attestation of internal control over financial reporting5
  • On EDGAR sinceMay 23, 19961
  • Filings1,108 in all: 8-K (377), 4 (356), SC 13G/A (106), 10-Q (90), SC 13G (35), DEF 14A (31), 10-K (25), 3 (16)1
    All 32 form types

    SC 13D/A (11), CORRESP (7), 10-K405 (6), S-8 (6), 8-K/A (5), SCHEDULE 13G/A (5), UPLOAD (5), SC 13D (4), 10-K/A (3), 10-Q/A (3), S-1/A (3), PRE 14A (2), 10-K405/A (1), 4/A (1), 424A (1), 424B1 (1), 424B2 (1), EFFECT (1), FWP (1), NT 10-Q (1), POS AM (1), S-1 (1), S-1MEF (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Sep 2, 2026
    Quarterly report (10-Q) May 7, 2026
    Proxy statement (DEF 14A) Oct 9, 2026
    Latest 8-K (8-K) Jul 28, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $.01 per sharePROVNASDAQ

From the cover page of the 10-K filed Sep 2, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks PROVIDENT FINANCIAL HOLDINGS INC names in Item 1A of its 10-K filed Sep 2, 2026: 29 risks under these headings, as written.5

  • Risks Related to Macroeconomic Conditions
  • Our business may be adversely affected by downturns in the national economy and the regional economies on which we depend.
  • Monetary policy, inflation, deflation, and other external economic factors could adversely impact our financial performance and operations.
  • Risks Related to our Lending Activities
  • Our business may be adversely affected by credit risk associated with residential property.
  • Our multi-family and commercial real estate loans involve higher principal amounts than other loans and repayment of these loans may be dependent on factors outside our control or the control of our borrowers.
  • We may from time to time purchase loans in bulk or “pools.” We may experience lower yields or losses on loan “pools” because the assumptions we use when purchasing loans in bulk may not prove correct.
  • Our allowance for credit losses may not be sufficient to absorb losses in our loan portfolio.
  • Non-performing assets take significant time to resolve and adversely affect our results of operations and financial condition and could result in further losses in the future.
  • The rising cost and reduced availability of property and casualty insurance in California could adversely affect our borrowers, the value of our collateral, and our results of operations.
  • Risks Related to Market and Interest Rate Changes
  • Fluctuating interest rates can adversely affect our profitability.
The other 20 risks
  • We may incur losses on our securities portfolio as a result of changes in interest rates.
  • Risks Related to Regulatory, Legal and Compliance Matters
  • We are subject to an extensive body of accounting rules, standards and reporting requirements. Periodic changes to such rules, standards or reporting requirements may change the treatment and recognition of critical financial line items and affect our profitability.
  • Non-compliance with the USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions and limit our ability to get regulatory approval of acquisitions.
  • If our enterprise risk management framework is not effective at mitigating risk and loss, we could suffer unexpected losses and our results of operations could be materially adversely affected.
  • We are subject to litigation and other legal proceedings that could adversely affect our business.
  • Risks Related to Cybersecurity, Data and Fraud
  • We are subject to certain risks in connection with our use of technology.
  • Our security measures may not be sufficient to mitigate the risk of a cyberattack or other security breach, which could result in financial losses, business disruption, regulatory consequences and reputational damage.
  • Our reliance on third-party service providers and our dependence on information systems could expose us to system failures, interruptions and security breaches that could adversely affect our business.
  • Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
  • Our current and future uses of Artificial Intelligence (“AI”) and other emerging technologies may create operational, legal, regulatory, cybersecurity, and reputational risks.
  • Risks Related to Our Business and Industry Generally
  • Ineffective liquidity management could adversely affect our financial results and condition.
  • We rely on other companies to provide key components of our business infrastructure.
  • Managing reputational risk is important to attracting and maintaining customers, investors and employees.
  • Our growth or future losses may require us to raise additional capital in the future, but that capital may not be available when it is needed or the cost of that capital may be exceedingly high.
  • The financial services market is undergoing rapid technological changes, and if we are unable to stay current with those changes, we will not be able to effectively compete.
  • Natural disasters and climate-related risks in our primary market area may result in material losses because of damage to collateral properties and borrowers' inability to repay loans.
  • Any breach of representations and warranties made by us to our loan purchasers or credit default on our loan sales may require us to repurchase or substitute such loans we have sold.
  • We may not be able to realize the full value of our deferred tax assets[, and the outcome of tax audits or examinations could adversely affect us].
  • Regulatory changes to diversity, equity and inclusion (“DEI”) and environmental, social and governance (“ESG”) practices could impact our reputation, compliance costs, and operations.
  • We rely on dividends from the Bank for substantially all of our revenue at the holding company level.

Legal proceedings

Periodically, there have been various claims and lawsuits involving the Corporation, such as claims to enforce liens, condemnation proceedings on properties in which the Corporation holds security interests, claims involving the making and servicing of real property loans, employment matters and other issues in the ordinary course of and incidental to the Corporation’s business. These proceedings and the associated legal claims are often contested and the outcome of individual matters is not always predictable. Additionally, in some actions, it is difficult to assess potential exposure because the Corporation is still in the early stages of the litigation.

The Corporation is not a party to any pending legal proceedings that it believes would have a material adverse effect on its financial condition, operations or cash flows.

The opening of Item 3, Legal Proceedings.5

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