Provident Financial withholds 686 Wertz shares for taxes

The reported ownership includes restricted stock scheduled to vest under two equity plans on dates in 2026 and 2028.

Rhea-AI Filing Summary

PROVIDENT FINANCIAL HOLDINGS INC (PROV) Senior Vice President Gwendolyn Wertz reported 686 shares withheld by the issuer on August 12, 2024, to satisfy tax withholding obligations connected with restricted-stock vesting, at a reported price of $13.24 per share. After the transaction, her reported holdings included 27,277 shares held directly; a separate holding lists 5,200 shares held indirectly through the ESOP.

Insider Trade Summary

Tax Withholding: 686 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	686	$13.24	$9K
holding	Common Stock PAR Value $0.01	--	--	--

Holdings After Transaction: Common Stock PAR Value $0.01 — 27,277 shares (Direct); Common Stock PAR Value $0.01 — 5,200 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 27,277 shares include 1,675 shares of restricted stock under the Provident 2013 Equity Incentive Plan, which vests on August 12, 2026, and 9,000 shares of restricted stock under the Provident 2022 Equity Incentive Plan, 50% vesting on May 23, 2026 and 50% vesting on May 23, 2028.

Key Figures

Shares withheld: 686 shares Reported price: $13.24 per share Direct shares after transaction: 27,277 shares +3 more

6 metrics

Shares withheld 686 shares Tax withholding for restricted-stock vesting on August 12, 2024

Reported price $13.24 per share Price reported for the August 12, 2024 withholding

Direct shares after transaction 27,277 shares Reported following the August 12, 2024 transaction

Indirect ESOP holding 5,200 shares Listed as held by the ESOP on August 12, 2024

Restricted stock under the Provident 2013 Equity Incentive Plan 1,675 shares Included in 27,277 shares; vests on August 12, 2026

Restricted stock under the Provident 2022 Equity Incentive Plan 9,000 shares 50% vests on May 23, 2026, and 50% on May 23, 2028

Key Terms

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

4 terms

tax withholding obligations financial

"satisfy tax withholding obligations"

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.

Equity Incentive Plan financial

"Provident 2013 Equity Incentive Plan"

An equity incentive plan is a program that gives employees, executives or directors the right to receive company stock or options to buy stock as part of their pay. Think of it as offering slices of future company profit to motivate people to boost long‑term performance; for investors it matters because it can align employee goals with shareholder value but also increases the number of shares outstanding, which can dilute existing ownership.

ESOP financial

"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.

FAQ

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

How many PROV shares did Gwendolyn Wertz have withheld?

On August 12, 2024, the issuer withheld 686 shares at $13.24 per share to satisfy tax withholding obligations connected with restricted-stock vesting.

How many PROV shares did Gwendolyn Wertz hold after the transaction?

The reported holdings after the transaction included 27,277 shares held directly. A separate holding listed 5,200 shares held indirectly by the ESOP.

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

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Available on EDGAR 10/07/2026 - 11:34 AM Accepted by SEC EDGAR 10/07/2026 - 11:33 AM 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)
08/12/2024

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	08/12/2024		F		686(1)	D	$13.24	27,277(2)	D
Common Stock PAR Value $0.01								5,200	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 27,277 shares include 1,675 shares of restricted stock under the Provident 2013 Equity Incentive Plan, which vests on August 12, 2026, and 9,000 shares of restricted stock under the Provident 2022 Equity Incentive Plan, 50% vesting on May 23, 2026 and 50% vesting on May 23, 2028.

	/s/Gwendolyn Wertz	10/07/2026
	** 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)