Provident Financial SVP shares withheld for taxes

Rhea-AI Filing Summary

Provident Financial Holdings Inc. Senior Vice President Gwendolyn Wertz reported a Code F transaction where 601 shares of common stock were withheld by the issuer on August 12, 2026 at $18.02 per share to satisfy tax withholding obligations on vesting restricted stock.

After this withholding, she holds 18,083 shares directly, including 4,500 shares of restricted stock under the Provident 2022 Equity Incentive Plan that vest on May 23, 2028, and an additional 8,207 shares held indirectly through an ESOP.

Insider Trade Summary

Tax Withholding: 601 shares

Tax Withholding 2 txns

Insider Wertz Gwendolyn

Role Senior Vice President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock, PAR value $0.01 F1, F2	601	$18.02	$11K
holding	Common Stock, PAR value $0.01	--	--	--

Holdings After Transaction: Common Stock, PAR value $0.01 — 18,083 shares (Direct); Common Stock, PAR value $0.01 — 8,207 shares (Indirect, By ESOP)

Footnotes (2)

1. F1. Represents shares withheld by the issuer to satisfy tax withholding obligations in connection with the vesting of restricted stock.
2. F2. The ownership of 18,083 shares include 4,500 shares of restricted stock under the Provident 2022 Equity Incentive Plan, which vests on May 23, 2028.

Key Figures

Shares withheld for taxes: 601 shares Withholding price: $18.02 per share Direct shares after transaction: 18,083 shares +3 more

6 metrics

Shares withheld for taxes 601 shares Common stock withheld on August 12, 2026 to satisfy tax withholding obligations

Withholding price $18.02 per share Price used for the 601-share tax withholding transaction

Direct shares after transaction 18,083 shares Direct ownership of common stock following the August 12, 2026 withholding

Indirect ESOP shares 8,207 shares Indirect ownership of common stock held by ESOP

Restricted stock included 4,500 shares Restricted stock under Provident 2022 Equity Incentive Plan included in direct holdings

Restricted stock vesting date May 23, 2028 Vesting date for 4,500 restricted shares under the 2022 Equity Incentive Plan

Key Terms

restricted stock, Provident 2022 Equity Incentive Plan, ESOP, tax withholding obligations

4 terms

restricted stock financial

"vesting of restricted stock."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Provident 2022 Equity Incentive Plan financial

"restricted stock under the Provident 2022 Equity Incentive Plan, which vests"

ESOP financial

"nature_of_ownership": "By ESOP""

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

tax withholding obligations financial

"to satisfy tax withholding obligations in connection with the vesting"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did PROV Senior Vice President Gwendolyn Wertz report?

Gwendolyn Wertz reported a Code F transaction where 601 shares of Provident Financial Holdings common stock were withheld at $18.02 per share to cover tax withholding obligations related to the vesting of restricted stock on August 12, 2026.

How many PROVIDENT FINANCIAL HOLDINGS (PROV) shares does Gwendolyn Wertz hold after the transaction?

Following the tax-related withholding, Gwendolyn Wertz directly holds 18,083 shares of PROV common stock and indirectly holds 8,207 shares through an ESOP, as reported in the filing’s post-transaction ownership figures.

What does the 601-share Code F transaction mean for PROV stock?

The Code F entry reflects 601 shares withheld at $18.02 per share to pay tax withholding obligations on vesting restricted stock, rather than an open-market sale or purchase of Provident Financial Holdings (PROV) shares by the executive.

What restricted stock holdings does the PROV Senior Vice President have outstanding?

Within her 18,083 direct shares, Gwendolyn Wertz holds 4,500 shares of restricted stock granted under the Provident 2022 Equity Incentive Plan, scheduled to vest on May 23, 2028, according to the footnote disclosure.

How many PROV shares are held for Gwendolyn Wertz through the ESOP?

The filing reports an indirect ownership line showing 8,207 shares of Provident Financial Holdings common stock held "By ESOP," indicating shares attributed to Gwendolyn Wertz through an employee stock ownership plan.

Was the PROV insider transaction part of a Rule 10b5-1 trading plan?

The document-level indication shows the Rule 10b5-1 checkbox is not affirmed, and the footnotes do not describe any pre-arranged trading plan related to the 601-share tax withholding transaction for Gwendolyn Wertz.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/13/2026 - 04:39 PM Accepted by SEC EDGAR 08/13/2026 - 04:39 PM Learn about SEC filing dates

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 CALIFORNIA 92506

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2026

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

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

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

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	08/12/2026		F		601(1)	D	$18.02	18,083(2)	D
Common Stock, PAR value $0.01								8,207	I	By 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. Represents shares withheld by the issuer to satisfy tax withholding obligations in connection with the vesting of restricted stock.

2. The ownership of 18,083 shares include 4,500 shares of restricted stock under the Provident 2022 Equity Incentive Plan, which vests on May 23, 2028.

	/s/Gwendolyn Wertz	08/13/2026
	** 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.
* Form 4: SEC 1474 (03-26)