Welcome to our dedicated page for Provident Finl Hldgs SEC filings (Ticker: PROV), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Provident Financial Holdings, Inc. (NASDAQ: PROV) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a publicly traded bank holding company. Provident files current reports on Form 8-K to announce earnings results, dividend declarations, shareholder meeting outcomes, and other material events related to its operations and governance.
Recent Form 8-K filings include reports on quarterly and fiscal year financial results for Provident Savings Bank, F.S.B., detailing net income, net interest income, net interest margin, loan and deposit balances, credit loss provisions or recoveries, and asset quality measures. Other 8-Ks cover quarterly cash dividend declarations on common stock, including record and payment dates, and the results of the company’s Annual Meeting of Shareholders, such as director elections, advisory votes on executive compensation, and ratification of the independent auditor.
Filings also document management and governance changes, including the appointment of senior executives like the Senior Vice President, Chief Financial Officer, and Corporate Secretary. These documents, together with the exhibits they reference, form a key part of the company’s public record under the Securities Exchange Act of 1934.
On Stock Titan, SEC documents for PROV are updated as they are released through EDGAR. AI-powered tools summarize the contents of lengthy filings, helping users quickly understand the main points of each report—such as changes in credit loss expectations, dividend actions, or shareholder voting results—without reading every page. Investors and researchers can use this page to follow Provident’s ongoing regulatory disclosures, monitor material events, and review the company’s communication with shareholders and regulators.
Provident Financial Holdings, Inc. received an updated ownership report from Raffles Associates, L.P., which states beneficial ownership of 391,239 shares of common stock, representing 6.14% of the class as of 12/31/2025.
Raffles Associates reports sole voting and sole dispositive power over all 391,239 shares, with no shared voting or dispositive authority. The position reflects ownership above the 5% threshold that requires public disclosure, and no other parties or group arrangements are identified in this amendment.
Fourthstone LLC and related investment entities report beneficial ownership of 352,151 shares of Provident Financial Holdings Inc. common stock, representing 5.44% of the outstanding shares. The shares were acquired in the ordinary course of business as an investment adviser, not to influence control of the company.
The ownership percentages are based on 6,474,230 shares of common stock outstanding as of October 31, 2025, as referenced from Provident Financial’s Form 10-Q. Voting and dispositive power over the reported shares is shared among Fourthstone and its associated funds and managing member.
Provident Financial Holdings, Inc. reported higher profitability for the quarter and six months ended December 31, 2025. Quarterly net income rose to $1.4 million from $0.9 million a year earlier, and six‑month net income increased to $3.1 million from $2.8 million.
Net interest income improved modestly, helped by a recovery of credit losses rather than an expense, while total interest income was roughly flat. Non-interest income and non-interest expense were both relatively stable, keeping the improvement in earnings mainly driven by lower credit costs.
On the balance sheet, total assets were $1.23 billion, with loans held for investment of about $1.04 billion and total deposits of $872.4 million. Asset quality metrics remained strong: there were no net charge-offs, the allowance for credit losses on loans declined to $5.6 million, and non‑performing loans decreased compared with June 30, 2025.
Investment securities continued to show unrealized losses of $8.3 million, which management attributes to interest rate movements rather than credit issues. Liquidity was supported by $54.4 million in cash and cash equivalents and total remaining borrowing capacity of about $456.4 million across Federal Home Loan Bank, Federal Reserve, and federal funds facilities.
M3-related investment entities have filed an amended Schedule 13G reporting a 4.63% passive stake in Provident Financial Holdings, Inc. They report beneficial ownership of 299,594 shares of common stock as of the event date, all held directly by M3 Partners, L.P.
M3 Funds, LLC, M3 Partners, L.P., M3F, Inc., and individuals Jason A. Stock and William C. Waller may be deemed indirect beneficial owners through their roles with the fund and its adviser. They certify the shares were not acquired to change or influence control of Provident Financial Holdings.
Provident Financial Holdings, Inc., the holding company for Provident Savings Bank, F.S.B., filed a current report to notify investors that it has released its financial results for the quarter ended December 31, 2025. The company distributed a news release with its quarterly results and made it available as an exhibit. On the same date, it also posted an Investor Presentation for the same quarter on its website under the Investor Relations section, providing additional detail on recent performance and business trends. Both the news release and the presentation are attached as exhibits to this report and incorporated by reference.
Provident Financial Holdings, Inc. reported that its Board of Directors declared a regular quarterly cash dividend of $0.14 per share on its common stock. Shareholders who own the stock at the close of business on February 12, 2026 will be entitled to receive this dividend.
The dividend is scheduled to be paid on March 5, 2026, providing a cash return to current common shareholders on that date. The dividend declaration was announced on January 22, 2026 and further details are provided in a news release attached as an exhibit to the report.
Provident Financial Holdings, Inc. announced that its Board of Directors authorized a new stock repurchase program for up to five percent of the company’s common stock, or approximately 318,875 shares. Beginning on January 23, 2026, the company may buy back shares over a one-year period through open-market purchases or privately negotiated transactions, depending on market conditions, capital needs, and available cash. At the same time, the company canceled its January 2025 repurchase program effective January 23, 2026, leaving 16,825 previously authorized shares that will no longer be repurchased.
Provident Financial Holdings, Inc. reported the results of its shareholder meeting. Shareholders elected Debbi H. Guthrie, Kathy M. Michalak and Matthew E. Webb to the Board of Directors for three-year terms ending in 2028, each receiving about 3.2 million votes "for" and about 2.1 million votes "withheld," with additional broker non-votes recorded.
Shareholders approved the advisory resolution on named executive officer compensation, with 2,796,098 votes for, 2,055,034 against and 448,632 abstentions, along with 436,410 broker non-votes. They also ratified the appointment of Deloitte & Touche LLP as independent auditor for the fiscal year ending June 30, 2026, with 5,602,909 votes for, 131,087 against and 2,178 abstentions.
Provident Financial Holdings (PROV) reported an insider transaction by Senior Vice President Gwendolyn L. Wertz. On 11/12/2025, she sold 4,800 shares of common stock at $15.64 per share (Code S). Following the sale, she beneficially owns 20,537 shares directly and 7,289 shares indirectly through the ESOP.
Total ownership of 27,826 shares includes 9,000 restricted shares under the 2022 Equity Incentive Plan (vesting 50% on May 23, 2026 and May 23, 2028) and 1,675 restricted shares under the 2013 plan (vesting on Aug 12, 2026), plus the ESOP holdings.
Provident Financial Holdings, Inc. reported quarterly results for the period ended September 30, 2025. Net income was $1.681 million, with basic EPS of $0.26 and diluted EPS of $0.25. Net interest income reached $8.930 million as total interest income of $14.146 million exceeded interest expense of $5.216 million.
Total assets were $1.230 billion, and total deposits were $874.839 million. Loans held for investment, net, were $1.042 billion with an allowance for credit losses of $5.8 million. Non-interest income was $813 thousand, while non-interest expense totaled $7.634 million.
Investment securities carried unrealized holding losses of $9.4 million, primarily from rate movements; accumulated other comprehensive income stood at $18 thousand. Liquidity remained robust with approximately $472.3 million in combined unused borrowing capacity across the FHLB, Federal Reserve discount window, and a federal funds facility. Cash uses included $1.059 million of treasury stock purchases and $921 thousand of cash dividends. Shares outstanding were 6,511,011 at quarter-end.