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

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Contents

· · Page
PART I · ·
Item 1.	Business:	1
	General	1
	Subsequent Events	1
	Market Area	2
	Competition	2
	Reportable Segments	2
	Internet Website	2
	Lending Activities	2
	Loan Servicing	9
	Asset Quality	10
	Investment Securities Activities	15
	Deposit Activities and Other Sources of Funds	18
	Subsidiary Activities	22
	Regulation	22
	Taxation	30
	Employees and Human Capital	31
	Executive Officers	32
Item 1A.	Risk Factors	33
Item 1B.	Unresolved Staff Comments	44
Item 1C.	Cybersecurity	44
Item 2.	Properties	45
Item 3.	Legal Proceedings	45
Item 4.	Mine Safety Disclosures	45

PART II
Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	45
Item 6.	[Reserved]	47
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations:	48
	General	49
	Critical Accounting Estimates	49
	Executive Summary and Operating Strategy	50
	Comparison of Financial Condition at June 30, 2026 and 2025	51
	Comparison of Operating Results for the Fiscal Years Ended June 30, 2026 and 2025	52
	Average Balances, Interest and Average Yields/Costs	57
	Rate/Volume Variance	58
	Liquidity and Capital Resources	58
Item 7A.	Quantitative and Qualitative Disclosures about Market Risk	60
Item 8.	Financial Statements and Supplementary Data	63
Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosure	64
Item 9A.	Controls and Procedures	64
Item 9B.	Other Information	65
Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	65

PART III
Item 10.	Directors, Executive Officers and Corporate Governance	66
Item 11.	Executive Compensation	66
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	67
Item 13.	Certain Relationships and Related Transactions, and Director Independence	67
Item 14.	Principal Accountant Fees and Services	68

PART IV
Item 15.	Exhibits and Financial Statement Schedules	68

Signatures		71

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

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