Here are the 10-K annual reports from Provident Financial Hldgs (PROV) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow PROV and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PROV filings page.
Provident Financial Holdings, Inc. (PROV), the holding company for Provident Savings Bank, reports a community banking-focused franchise centered in California’s Inland Empire, with $1.21 billion in total assets, $910.4 million in deposits and $126.2 million in stockholders’ equity at June 30, 2026.
Loans held for investment total $1.03 billion, or 85% of assets, dominated by single-family mortgages of $565.9 million and multi-family loans of $395.9 million. Investment securities declined 18% to $90.5 million as cash flows were used elsewhere. Asset quality remains solid, with non-performing single-family loans reduced to $50,000 and non-performing multi-family/commercial real estate loans of $455,000. The allowance for credit losses on loans is $5.85 million. The company maintains a long-running quarterly dividend program and an active share repurchase authorization.
Provident Financial Holdings (PROV) reports a bank-focused profile with detailed risk-management, capital and liquidity disclosures. The company had 6,577,038 common shares issued and outstanding as of August 25, 2025 and maintains a quarterly cash dividend of $0.14 per share, which would average about $921,000 per quarter at current outstanding share counts.
Key credit and liquidity metrics disclosed include a CECL implementation one-time ACL increase of $1.2 million on July 1, 2023, liquid assets of approximately $3.4 million (unconsolidated) at June 30, 2025, unrealized holding losses on investment securities (about $10.4 million in losses held 12 months or more), and available borrowing capacity across sources of approximately $474.8 million. The net deferred tax position shifted from a net asset to a net liability during fiscal 2025. The filing describes governance and controls for cybersecurity, capital stock counts and repurchase availability (217,028 shares available under the repurchase plan), employee benefit costs, and FHLB collateral and borrowing arrangements with specified pledged amounts and remaining capacity.