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Midas Edge

PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Dec 31, 2025. Filed Feb 6, 2026.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Dec 31, 2025 · Filed Feb 6, 2026

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

Table of Contents

PART 1 -FINANCIAL INFORMATIONPage
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ITEM 1 -Financial Statements. The Unaudited Interim Condensed Consolidated Financial Statements ofProvident Financial Holdings, Inc. filed as a part of the report are as follows:
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​Condensed Consolidated Statements of Financial Conditionas of December 31, 2025 and June 30, 20251
​Condensed Consolidated Statements of Operationsfor the Quarters and Six Months ended December 31, 2025 and 20242
​Condensed Consolidated Statements of Comprehensive Incomefor the Quarters and Six Months ended December 31, 2025 and 20243
​Condensed Consolidated Statements of Stockholders’ Equityfor the Quarters and Six Months ended December 31, 2025 and 20244
​Condensed Consolidated Statements of Cash Flowsfor the Six Months ended December 31, 2025 and 20246
​Notes to Unaudited Interim Condensed Consolidated Financial Statements7
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ITEM 2 -Management’s Discussion and Analysis of Financial Condition and Results of Operations:
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​General43
​Safe-Harbor Statement43
​Critical Accounting Estimates45
​Executive Summary and Operating Strategy45
​Commitments and Derivative Financial Instruments46
​Comparison of Financial Condition at December 31, 2025 and June 30, 202546
​Comparison of Operating Results for the Quarters and Six Months ended December 31, 2025 and 202448
​Asset Quality58
​Loan Volume Activities60
​Liquidity and Capital Resources60
​Supplemental Information62
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ITEM 3 -Quantitative and Qualitative Disclosures about Market Risk62
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ITEM 4 -Controls and Procedures67
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PART II -OTHER INFORMATION
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ITEM 1 -Legal Proceedings67
ITEM 1A -Risk Factors68
ITEM 2 -Unregistered Sales of Equity Securities and Use of Proceeds68
ITEM 3 -Defaults Upon Senior Securities68
ITEM 4 -Mine Safety Disclosures68
ITEM 5 -Other Information68
ITEM 6 -Exhibits69
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SIGNATURES70
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.