PROV

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., a community-oriented financial institution serving customers primarily in the Inland Empire region of Southern California. Headquartered in Riverside, California, the company focuses on traditional banking services including residential mortgage lending, multi-family lending, and consumer banking products. Provident Savings Bank operates through multiple full-service branches and emphasizes relationship banking with personalized service tailored to individuals, families, and small businesses in its market areas. The company's primary business model centers on originating one-to-four family residential mortgage loans, which constitute the majority of its loan portfolio, alongside multi-family residential loans and commercial real estate financing. Provident also offers consumer deposit products including savings accounts, checking accounts, money market accounts, and certificates of deposit to fund its lending operations. As a community bank, Provident maintains a conservative lending approach with emphasis on local market knowledge and creditworthiness assessment. The company has maintained its focus on serving the communities where it operates for over 100 years, positioning itself as a stable, locally-focused alternative to larger regional and national banks. Provident Financial Holdings trades on NASDAQ under the ticker symbol PROV and remains committed to its traditional community banking model while adapting to evolving regulatory requirements and competitive dynamics in the Southern California banking market.