PROVIDENT FINANCIAL HOLDINGS INC
For the period ended Jun 30, 2025. Filed Aug 29, 2025.
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FY2025 · Filed Aug 29, 2025
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EX-13 · Fiscal 2026
Fiscal 2026
Similar to fiscal 2025, we plan to emphasize measured growth in loans held for investment and retail deposits; disciplined control of operating expenses where we continue to improve operating efficiencies; and sound capital management practices. We believe this is reasonable and prudent in a less restrictive monetary policy environment, where elevated interest rates and the inverted yield curve begin to reverse course and normalize. We plan to continue to return capital to shareholders in the form of cash dividends and stock repurchases. The Company has a strong capital position which has withstood our internal stress tests very well supporting this strategy. We remain committed to single-family, multi-family, and commercial real estate mortgage lending as our primary sources of asset growth and we will redeploy cash flows from investment securities to support the growth of our loan portfolio.
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