PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Jun 30, 2026. Filed Sep 2, 2026.

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.

FY2026 · Filed Sep 2, 2026

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) · · 2026 · · 2025 · · 2024 · · 2023 · · 2022
FINANCIAL CONDITION DATA:
Total assets	$1,208,161	$1,245,613	$1,272,200	$1,332,948	$1,187,038
Loans held for investment, net	1,032,682	1,045,745	1,052,979	1,077,629	939,992
Cash and cash equivalents	49,210	53,090	51,376	65,849	23,414
Investment securities	90,523	111,006	131,900	156,492	188,421
Deposits	910,383	888,772	888,348	950,571	955,504
Borrowings	157,046	213,073	238,500	235,009	85,000
Stockholders’ equity	126,220	128,545	129,941	129,687	128,650
Book value per share	20.15	19.54	18.98	18.41	17.66

OPERATING DATA:
Interest income	$55,889	$56,624	$54,730	$45,992	$34,730
Interest expense	19,561	21,155	19,807	9,007	3,135
Net interest income	36,328	35,469	34,923	36,985	31,595
(Recovery of) provision for credit losses	(553)	(666)	(63)	374	(2,462)
Net interest income after (recovery of) provision for credit losses	36,881	36,135	34,986	36,611	34,057
Loan servicing and other fees	583	419	337	414	1,056
Deposit account fees	1,067	1,112	1,154	1,296	1,302
Card and processing fees	1,203	1,265	1,384	1,525	1,639
Other non-interest income	873	735	1,066	840	719
Operating expenses	30,971	30,793	28,540	28,270	25,915
Income before income taxes	9,636	8,873	10,387	12,416	12,858
Provision for income taxes	2,981	2,618	3,036	3,824	3,765
Net income	$6,655	$6,255	$7,351	$8,592	$9,093
Basic earnings per share	$1.04	$0.93	$1.06	$1.20	$1.23
Diluted earnings per share	$1.03	$0.93	$1.06	$1.19	$1.22
Cash dividend per share	$0.56	$0.56	$0.56	$0.56	$0.56

Financial Highlights


· · At or For The Year Ended June 30, ·
	2026	2025	2024	2023	2022
KEY OPERATING RATIOS:

Performance Ratios
Return on average assets	0.55%	0.50%	0.57%	0.68%	0.76%
Return on average stockholders’ equity	5.17	4.79	5.62	6.58	7.14
Interest rate spread	2.91	2.74	2.62	2.92	2.69
Net interest margin	3.09	2.93	2.78	2.99	2.72
Average interest-earning assets to average interest-bearing liabilities	110.61	110.38	110.28	110.27	110.67
Operating expenses as a percentage of average total assets	2.57	2.48	2.22	2.23	2.17
Efficiency ratio(1)	77.32	78.96	73.44	68.85	71.37
Stockholders’ equity to total assets ratio	10.45	10.32	10.21	9.73	10.84
Dividend payout ratio	54.37	60.22	52.83	47.06	45.88

The Bank's Regulatory Capital Ratios
Tier 1 leverage capital (to adjusted average assets)	10.30%	10.11%	10.02%	9.59%	10.47%
CET1 capital (to risk-weighted assets)	19.41	19.50	19.29	18.50	19.58
Tier 1 capital (to risk-weighted assets)	19.41	19.50	19.29	18.50	19.58
Total capital (to risk-weighted assets)	20.34	20.51	20.38	19.38	20.47

Asset Quality Ratios
Non-performing loans as a percentage of loans held for investment, net	0.05%	0.14%	0.25%	0.12%	0.15%
Non-performing assets as a percentage of total assets	0.04	0.11	0.20	0.10	0.12
Allowance for credit losses as a percentage of gross loans held for investment	0.57	0.62	0.67	0.55	0.59
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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