Andrew Liesch

Timothy Coffey

Frank Williams

- Provident Financial Holdings, Inc. reported a sequential increase of approximately **3%** in **Net Income** for Q1 FY26  **[0001010470_2211528:6]** , reaching **$1.7 million**  **[0001010470_2211528:7]** , with **Diluted Earnings Per Share** of **$0.25**.  **[0001010470_2211528:7]** 
- The company's **Net Interest Margin** increased six basis points to **3.00%** in Q1 FY26.  **[0001010470_2211528:6]** 
- The **Non-Performing Assets to Total Assets Ratio** was **0.15%** as of September 30, 2025.  **[0001010470_2211528:12]** 
- Provident Financial Holdings repurchased approximately **67,000 shares** of common stock in the first quarter of fiscal 2026.  **[0001010470_2211528:17]**

Provident Financial Holdings Reports Q1 2026 Results

- Provident Financial Holdings reported a **net interest margin of 3%** for the first quarter of fiscal 2026 (ended September 30, 2025), representing a **six basis point increase** from the prior sequential quarter.  **[0001010470_2212062_2]**  Management anticipates **modest to moderate net interest margin expansion** for the December quarter and throughout fiscal year 2026.  **[0001010470_2212062_5]** 
- Loan originations for the quarter were **$29.6 million**, a 1% sequential increase, but total loans held for investment decreased by approximately **$4 million** due to significant loan prepayments and payoffs.  **[0001010470_2212062_1]** **[0001010470_2212062_4]** 
- Nonperforming assets increased to **$1.9 million** at September 30, 2025, from $1.4 million at June 30, 2025, while the allowance for credit losses to gross loans held for investment decreased to **56 basis points**.  **[0001010470_2212062_1]** 
- The company returned capital to shareholders by distributing **$921,000** in cash dividends and repurchasing approximately **$1.1 million** worth of common stock, totaling **117% of net income** for the quarter.  **[0001010470_2212062_3]**

Provident Financial Holdings Reports Q1 Fiscal 2026 Results

- Provident Financial Holdings reported **net income of $1.68 million**, or **$0.25 per diluted share**, for the first quarter of fiscal 2026 (ended September 30, 2025), which is up 3% from the sequential quarter but down 12% from the comparable quarter last year.  **[1010470_0000939057-25-000279_prov8k102825exh991.htm:0]** **[1010470_0000939057-25-000279_prov8k102825exh991.htm:1]** **[1010470_0000939057-25-000279_prov8k102825exh991.htm:11]** 
- The **net interest margin** for the September 2025 quarter was **3.00%**, an increase of six basis points from the sequential quarter and 16 basis points from the comparable quarter last year.  **[1010470_0000939057-25-000279_prov8k102825exh991.htm:0]** **[1010470_0000939057-25-000279_prov8k102825exh991.htm:1]** **[1010470_0000939057-25-000279_prov8k102825exh991.htm:13]** 
- As of September 30, 2025, **loans held for investment** totaled **$1.04 billion**, slightly down from $1.05 billion at June 30, 2025, and **total deposits** were **$874.8 million**, a 2% decrease from June 30, 2025.  **[1010470_0000939057-25-000279_prov8k102825exh991.htm:0]** **[1010470_0000939057-25-000279_prov8k102825exh991.htm:1]** 
- The company repurchased **66,707 shares** of its common stock at an average cost of **$15.75 per share** during the quarter ended September 30, 2025, with **150,321 shares remaining available** under the current repurchase program.  **[1010470_0000939057-25-000279_prov8k102825exh991.htm:4]**

- Provident Financial Holdings reported **net income of $1.68 million** and **diluted earnings per share of $0.25** for the quarter ended September 30, 2025.  **[1010470_cb2a96afafb840299912e5974db0df59_0]**  This represents a **3% increase** in net income from the sequential quarter but a **12% decrease** from the comparable quarter last year.  **[1010470_cb2a96afafb840299912e5974db0df59_0]** 
- The company's **Net Interest Margin (NIM) was 3.00%** for the September 2025 quarter, an increase of **six basis points** from the sequential quarter and **16 basis points** from the comparable quarter last year.  **[1010470_cb2a96afafb840299912e5974db0df59_0]** 
- **Loans Held for Investment** were **$1.04 Billion** at September 30, 2025, a slight decrease from **$1.05 Billion** at June 30, 2025.  **[1010470_cb2a96afafb840299912e5974db0df59_0]**  **Total Deposits** were **$874.8 Million**, down **2%** from June 30, 2025.  **[1010470_cb2a96afafb840299912e5974db0df59_0]** 
- The **Non-Performing Assets to Total Assets Ratio increased to 0.15%** at September 30, 2025, from **0.11%** at June 30, 2025.  **[1010470_cb2a96afafb840299912e5974db0df59_0]** 
- The company continues to actively repurchase shares under its stock buyback program and has maintained a consistent quarterly cash dividend.  **[1010470_cb2a96afafb840299912e5974db0df59_0]**

PROVIDENT FINANCIAL HOLDINGS (PROV)