PROV on Nasdaq

PROVIDENT FINANCIAL HOLDINGS INC

American savings institution company, incorporated in Delaware. Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

$6.7MNet income, fiscal 20262

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  • TickerPROV on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersRiverside, California1
  • Incorporated inDE3
  • Business address3756 Central Ave, Riverside, Ca 925063
  • Filer categoryNon-accelerated filer, Smaller reporting company3

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Provident Financial Holdings, Inc. (the “Corporation”), a Delaware corporation, was organized in January 1996 for the purpose of becoming the holding company of Provident Savings Bank, F.S.B. (the “Bank”) upon the Bank’s conversion from a federal mutual to a federal stock savings bank (“Conversion”). The Conversion was completed in June 1996. The Corporation is regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve”). At June 30, 2026, the Corporation had consolidated total assets of $1.21 billion, total deposits of $910.4 million and stockholders’ equity of $126.2 million. The Corporation has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Annual Report on Form 10-K (“Form 10-K”), including the audited consolidated financial statements and related data, relates primarily to the …4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

5.3%Return on equity2
$8.5MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Debit Card brought in 53% of the revenue PROVIDENT FINANCIAL HOLDINGS INC broke down this way in fiscal 2026.

  1. Debit Card$1.2M253%down 5% from 2025
  2. Deposit Account$1.1M247%down 4% from 2025
Products and services by year
Products and services20252026
Debit Card$1.3M$1.2M
Deposit Account$1.1M$1.1M

Financial statements

Net income56789102$6.7M in 2026+51% since 2019
0$2.5M$5.0M$7.5M$10.0M2019: $4.4M$4.4M20192020: $7.7M$7.7M2020+74%2021: $7.6M$7.6M2021−2%2022: $9.1M$9.1M2022+20%2023: $8.6M$8.6M2023−6%2024: $7.4M$7.4M2024−14%2025: $6.3M$6.3M2025−15%2026: $6.7M$6.7M2026+6%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2026-06-302025-06-30
Loans receivable, net$52.0M$52.5M
Investment securities$1.6M$1.9M
FHLB - San Francisco and other equity investments$1.1M$845.0K
Interest-earning deposits$1.2M$1.4M
Total interest income$55.9M$56.6M
Deposits$11.8M$11.2M
Borrowings$7.7M$9.9M
Total interest expense$19.6M$21.2M
Net interest income$36.3M$35.5M
Recovery of credit losses-$553.0K-$666.0K
Net interest income, after recovery of credit losses$36.9M$36.1M
Loan servicing and other fees$583.0K$419.0K
Other$873.0K$735.0K
Total non-interest income$3.7M$3.5M
Salaries and employee benefits$19.3M$19.0M
Premises and occupancy$3.6M$3.6M
Equipment$1.8M$1.5M
Professional$1.6M$1.6M
Sales and marketing$712.0K$714.0K
Deposit insurance premium and regulatory assessments$661.0K$740.0K
Other$3.5M$3.6M
Total non-interest expense$31.0M$30.8M
Income before income taxes$9.6M$8.9M
Provision for income taxes$3.0M$2.6M
Net income$6.7M$6.3M
Basic earnings per share ( in dollars per share)$1.04$0.93
Diluted earnings per share ( in dollars per share)$1.03$0.93

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Leadership

Who has led PROVIDENT FINANCIAL HOLDINGS INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Craig G. Blunden2006–2022
  2. Donavon P. Ternes2024–now

Chair

  1. Craig G. Blunden2006–2022

President

  1. Craig G. Blunden2006–2011
  2. Donavon P. Ternes2014–now

Chief financial officer

  1. Donavon P. Ternes2014–2022
  2. Tam B. Nguyen2024
  3. Haryanto Lee Sunarto2025
  4. Peter Chai Fan2025–now

Chief operating officer

  1. Donavon P. Ternes2014–2022
2010201520202025
Board members and other officers (21)

Timeline

  1. May 28, 2024New chief executive Donavon P. Ternes becomes CEO14
  2. Feb 9, 2006New chief executive Craig G. Blunden becomes CEO15

Filings

175 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 64 major events, 64 insider forms, 20 large holders, 7 other. The latest 20:

  1. Oct 9, 2026DEF 14A EDGAR
  2. Oct 7, 20264/A PRIMARY DOCUMENT EDGAR
  3. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  4. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  5. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  6. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  7. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  8. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  9. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  10. Oct 7, 20264 PRIMARY DOCUMENT EDGAR
  11. Sep 2, 202610-K EDGAR
  12. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  13. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  14. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  15. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  16. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 31, 20264 PRIMARY DOCUMENT EDGAR
  18. Jul 28, 20268-K EDGAR
  19. Jul 27, 20264 PRIMARY DOCUMENT EDGAR
  20. Jul 27, 20263 PRIMARY DOCUMENT EDGAR

The 175 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

7 open-market trades by officers, directors and large owners since October 2021: 0 buys and 7 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 10, 2026Weiant DavidSenior Vice PresidentSale2,732$17.12$46.8KForm 4
Jun 8, 2026Weiant DavidSenior Vice PresidentSale1,012$17.00$17.2KForm 4
Jun 4, 2026Weiant DavidSenior Vice PresidentSale1,000$17.10$17.1KForm 4
Jun 1, 2026Weiant DavidSenior Vice PresidentSale3,000$16.92$50.8KForm 4
Nov 12, 2025Wertz GwendolynSenior Vice PresidentSale4,800$15.64$75.1KForm 4
Jun 10, 2025Wertz GwendolynSenior Vice PresidentSale1,940$15.40$29.9KForm 4
Oct 31, 2024BLUNDEN CRAIG GDirectorSale1,059$15.57$16.5KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 30. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Raffles Associates LP782,236$13.5M5.9%+391,118
Dimensional Fund Advisors LP490,819$8.4M0.0%+409
Fourthstone LLC369,973$6.4M4.6%+4,341
Manufacturers Life Insurance Company, The303,733$5.2M0.0%−2,701
Ameriprise Financial Inc281,949$4.8M0.0%−878
BlackRock, Inc.281,656$4.8M0.0%+5,720
Vanguard Capital Management LLC239,883$4.1M0.0%−206
Renaissance Technologies LLC211,347$3.6M0.0%−1,006
Bridgeway Capital Management, LLC69,795$1.2M0.0%+741
Geode Capital Management, LLC56,038$964.1K0.0%−1,358
Empowered Funds, LLC34,595$595.0K0.0%+741
Federated Hermes, Inc.34,351$590.8K0.0%+1,450
Susquehanna International Group, Llp32,363$556.6K0.0%+13,756
Vanguard Fiduciary Trust Co30,354$522.1K0.0%−2,717
State Street Corp24,683$424.5K0.0%−200
Northern Trust Corp12,157$209.1K0.0%−10,266
Bank of New York Mellon Corp11,047$190.0K0.0%−1
Vanguard Global Advisers, LLC2,605$44.8K0.0%No change
Morgan Stanley1,593$27.4K0.0%+558
UBS Group AG997$17.1K0.0%+488
Wells Fargo & Company/mn699$12.0K0.0%No change
Tower Research Capital LLC (TRC)155$2.7K0.0%+72
Fmr LLC100$1.7K0.0%No change
Bayban100$1.7K0.0%No change
Acadian Asset Management LLC38,768$6580.0%+8,902

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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