Provident Financial withholds 648 Ritter shares for taxes

The reported direct holdings include 1,675 restricted shares vesting August 12, 2026, and 9,000 shares vesting in 2026 and 2028.

Rhea-AI Filing Summary

Provident Financial Holdings Inc. Senior Vice President Robert Scott Ritter had 648 shares withheld by the issuer on August 12, 2024, to satisfy tax withholding obligations in connection with restricted-stock vesting; the reported price was $13.24 per share. He reported direct holdings of 29,926 shares after the transaction, plus 3,357 shares held indirectly by the ESOP.

Insider Trade Summary

Tax Withholding: 648 shares

Tax Withholding 2 txns

Insider Ritter Robert Scott

Role Senior Vice President

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock PAR values $.01 F1, F2	648	$13.24	$9K
holding	Common Stock, PAR Value $0.01	--	--	--

Holdings After Transaction: Common Stock PAR values $.01 — 29,926 shares (Direct); Common Stock, PAR Value $0.01 — 3,357 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 29,926 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: 648 shares Reported price per share: $13.24 per share Direct holdings after transaction: 29,926 shares +3 more

6 metrics

Shares withheld 648 shares Withheld on August 12, 2024, for tax obligations in connection with restricted-stock vesting

Reported price per share $13.24 per share Reported for the shares withheld on August 12, 2024

Direct holdings after transaction 29,926 shares Robert Scott Ritter's reported direct holdings after the August 12, 2024 transaction

Indirect ESOP holdings 3,357 shares Reported as held by the ESOP on August 12, 2024

Restricted stock under 2013 Equity Incentive Plan 1,675 shares Included in the reported direct holdings; vests August 12, 2026

Restricted stock under 2022 Equity Incentive Plan 9,000 shares Included in the reported direct holdings; 50% vests May 23, 2026, and 50% vests May 23, 2028

Key Terms

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

4 terms

restricted stock financial

"in connection with the 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.

tax withholding obligations financial

"to satisfy tax withholding obligations"

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.

Equity Incentive Plan financial

"under the 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.

FAQ

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

How many PROV shares did Robert Scott Ritter have withheld, and why?

On August 12, 2024, 648 shares were withheld by the issuer at a reported $13.24 per share to satisfy tax withholding obligations in connection with restricted-stock vesting.

When do Robert Scott Ritter's restricted shares vest?

The 1,675 restricted shares under the Provident 2013 Equity Incentive Plan vest on August 12, 2026; of the 9,000 shares under the Provident 2022 Equity Incentive Plan, 50% vest on May 23, 2026, and 50% on May 23, 2028.

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

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Available on EDGAR 10/07/2026 - 11:53 AM Accepted by SEC EDGAR 10/07/2026 - 11:52 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^*

Ritter Robert Scott

(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 values $.01	08/12/2024		F		648(1)	D	$13.24	29,926(2)	D
Common Stock, PAR Value $0.01								3,357	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 29,926 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/ Robert S. Ritter	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)