Here are the 10-Q quarterly 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-Q covers the quarterly report filed between annual reports, 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) reported net income of $1.573 million for the quarter ended September 30, 2026, compared with $1.681 million a year earlier. Net interest income rose to $9.770 million from $8.930 million, while a $777,000 provision for credit losses replaced a $626,000 recovery. Basic earnings per share was $0.25, versus $0.26; diluted earnings per share was $0.25 in both quarters.
Total assets were $1,209.940 million at September 30, 2026, compared with $1,208.161 million at June 30, 2026; deposits were $897.728 million versus $910.383 million. Operating cash flow was $4.381 million, versus $2.496 million in the year-earlier quarter. Remaining borrowing capacity was approximately $464.2 million. The company reported $10.0 million of unrealized investment-security losses, attributing them to interest-rate changes rather than credit quality; it recorded no allowance for credit losses on held-to-maturity securities and no impairment of available-for-sale securities.
Provident Financial Holdings, Inc. reported net income of $1.35 million for the quarter ended March 31, 2026, down from $1.86 million a year earlier, as slightly lower net interest income and higher credit loss provision offset stable expenses.
Total assets were $1.22 billion, with loans held for investment of $1.03 billion and deposits of $892.9 million. Asset quality remained strong: non-performing loans were $984,000, there were no net charge-offs, and the allowance for credit losses was $5.93 million, or 0.58% of gross loans.
For the first nine months of fiscal 2026, net income was $4.47 million versus $4.63 million in the prior-year period, with basic earnings per share steady at $0.69. The company maintained ample on- and off-balance sheet liquidity, including substantial unused borrowing capacity with the FHLB and Federal Reserve.
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.
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.