PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Jun 30, 2025. Filed Aug 29, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Aug 29, 2025

PROV$18.18-0.1%Stored close · as of Nov 9, 2026

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Contents

EX-13 · Financial Highlights

Financial Highlights

The following tables set forth information concerning the consolidated financial position and results of operations of the Corporation and its subsidiary at the dates and for the periods indicated.


· · At or For The Year Ended June 30,
(In Thousands, Except Per Share Information) · 2025 · 2024 · 2023 · 2022 · 2021
FINANCIAL CONDITION DATA: · · · · · · · · · · · · · ·
Total assets	$1,245,613	$1,272,200	$1,332,948	$1,187,038	$1,183,596
Loans held for investment, net	1,045,745	1,052,979	1,077,629	939,992	850,960
Cash and cash equivalents	53,090	51,376	65,849	23,414	70,270
Investment securities	111,006	131,900	156,492	188,421	226,893
Deposits	888,772	888,348	950,571	955,504	937,973
Borrowings	213,073	238,500	235,009	85,000	100,983
Stockholders’ equity	128,545	129,941	129,687	128,650	127,280
Book value per share	19.54	18.98	18.41	17.66	16.88

OPERATING DATA:
Interest income	$56,624	$54,730	$45,992	$34,730	$35,201
Interest expense	21,155	19,807	9,007	3,135	4,562
Net interest income	35,469	34,923	36,985	31,595	30,639
(Recovery of) provision for credit losses	(666)	(63)	374	(2,462)	(708)
Net interest income after (recovery of) provision for credit losses	36,135	34,986	36,611	34,057	31,347
Loan servicing and other fees	419	337	414	1,056	1,170
Deposit account fees	1,112	1,154	1,296	1,302	1,247
Card and processing fees	1,265	1,384	1,525	1,639	1,605
Other non-interest income	735	1,066	840	719	551
Operating expenses	30,793	28,540	28,270	25,915	25,733
Income before income taxes	8,873	10,387	12,416	12,858	10,187
Provision for income taxes	2,618	3,036	3,824	3,765	2,626
Net income	$6,255	$7,351	$8,592	$9,093	$7,561
Basic earnings per share	$0.93	$1.06	$1.20	$1.23	$1.01
Diluted earnings per share	$0.93	$1.06	$1.19	$1.22	$1.00
Cash dividend per share	$0.56	$0.56	$0.56	$0.56	$0.56

Financial Highlights


· · At or For The Year Ended June 30, ·
· 2025 · 2024 · 2023 · 2022 · 2021 ·
KEY OPERATING RATIOS: · · · · · · · · · ·

Performance Ratios
Return on average assets	0.59%	0.57%	0.68%	0.76%	0.64%
Return on average stockholders’ equity	5.63	5.62	6.58	7.14	6.05
Interest rate spread	2.74	2.62	2.92	2.69	2.62
Net interest margin	2.93	2.78	2.99	2.72	2.66
Average interest-earning assets to average interest-bearing liabilities	110.38	110.28	110.27	110.67	110.78
Operating expenses as a percentage of average total assets	2.48	2.22	2.23	2.17	2.18
Efficiency ratio(1)	78.96	73.44	68.85	71.37	73.08
Stockholders’ equity to total assets ratio	10.32	10.21	9.73	10.84	10.75
Dividend payout ratio	60.22	52.83	47.06	45.88	55.83

The Bank's Regulatory Capital Ratios
Tier 1 leverage capital (to adjusted average assets)	10.11%	10.02%	9.59%	10.47%	10.19%
CET1 capital (to risk-weighted assets)	19.50	19.29	18.50	19.58	18.58
Tier 1 capital (to risk-weighted assets)	19.50	19.29	18.50	19.58	18.58
Total capital (to risk-weighted assets)	20.51	20.38	19.38	20.47	19.76

Asset Quality Ratios
Non-performing loans as a percentage of loans held for investment, net	0.14%	0.25%	0.12%	0.15%	1.02%
Non-performing assets as a percentage of total assets	0.11	0.20	0.10	0.12	0.73
Allowance for credit losses as a percentage of gross loans held for investment	0.62	0.67	0.55	0.59	0.88
Net (recoveries) charge-offs to average loans receivable, net	—	—	—	(0.05)	—

(1)	Operating expenses as a percentage of net interest income and non-interest income.

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