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$18.20+0.1%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Contents

· Page
PART I · ·
Item 1.	Business:	1
	General	1
	Subsequent Events	1
	Market Area	2
	Competition	2
	Reportable Segments	3
	Internet Website	3
	Lending Activities	3
	Loan Servicing	12
	Asset Quality	12
	Investment Securities Activities	17
	Deposit Activities and Other Sources of Funds	19
	Subsidiary Activities	23
	Regulation	24
	Taxation	32
	Employees and Human Capital	33
	Executive Officers	34
Item 1A.	Risk Factors	35
Item 1B.	Unresolved Staff Comments	45
Item 1C.	Cybersecurity	45
Item 2.	Properties	46
Item 3.	Legal Proceedings	46
Item 4.	Mine Safety Disclosures	47

PART II
Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	47
Item 6.	[Reserved]	49
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations:	49
	General	50
	Critical Accounting Estimates	51
	Executive Summary and Operating Strategy	51
	Comparison of Financial Condition at June 30, 2025 and 2024	53
	Comparison of Operating Results for the Fiscal Years Ended June 30, 2025 and 2024	54
	Average Balances, Interest and Average Yields/Costs	58
	Rate/Volume Variance	59
	Liquidity and Capital Resources	59
Item 7A.	Quantitative and Qualitative Disclosures about Market Risk	61
Item 8.	Financial Statements and Supplementary Data	65
Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosure	65
Item 9A.	Controls and Procedures	65
Item 9B.	Other Information	67
Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	67

PART III
Item 10.	Directors, Executive Officers and Corporate Governance	67
Item 11.	Executive Compensation	68
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	68
Item 13.	Certain Relationships and Related Transactions, and Director Independence	69
Item 14.	Principal Accountant Fees and Services	69

PART IV
Item 15.	Exhibits and Financial Statement Schedules	70

Signatures		73

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.

About this filing

Table of Contents