[Form 4] PROVIDENT FINANCIAL HOLDINGS INC Insider Trading Activity

Rhea-AI Filing Summary

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.

Insights

Corporate governance analyst

Routine insider sale; holdings and vesting schedule disclosed.

The filing lists a sale of 4,800 PROV shares at $15.64 by the Senior Vice President on 11/12/2025, leaving 20,537 directly held and 7,289 via ESOP. The transaction code S indicates an open-market sale.

The footnote details 27,826 total beneficially owned shares, including restricted stock that vests on May 23, 2026, May 23, 2028, and Aug 12, 2026. No proceeds use or additional transactions are indicated in the excerpt. Actual market impact depends on trading volume and holder decisions.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Wertz Gwendolyn

(Last) (First) (Middle)

3756 CENTRAL AVENUE

(Street)

RIVERSIDE CA 92506

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PROVIDENT FINANCIAL HOLDINGS INC [ PROV ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President

3. Date of Earliest Transaction (Month/Day/Year)
11/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock, Par Value $0.01	11/12/2025		S		4,800	D	$15.64	20,537(1)	D
Common Stock, Par Value $0.01								7,289(1)	I	ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The ownership of 27,826 shares includes the 9,000 shares of restricted stock under the Provident 2022 Equity Incentive Plan, 50% of which vest on May 23, 2026 and May 23, 2028, respectively; 1,675 shares of restricted stock under the Provident 2013 Equity Incentive Plan, which vest on August 12, 2026; and the 7,289 shares in Ms. Wertz's Employee Stock Ownership Plan account.

	/s/Gwendolyn L. Wertz	11/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did PROV disclose on Form 4?

SVP Gwendolyn L. Wertz sold 4,800 shares of common stock at $15.64 on 11/12/2025 (Code S).

How many PROV shares does the reporting person hold after the sale?

She holds 20,537 shares directly and 7,289 shares indirectly via the ESOP.

What is the total beneficial ownership reported for PROV?

Total beneficial ownership is 27,826 shares, per the footnote.

What restricted stock awards are included in the PROV holdings?

Holdings include 9,000 restricted shares (vesting 50% on May 23, 2026 and May 23, 2028) and 1,675 restricted shares vesting on Aug 12, 2026.

What is the reporting person’s role at Provident Financial (PROV)?

She is an Officer serving as Senior Vice President.