Provident Financial Holdings Reports Mixed Q4 2025 Results

Provident Financial Holdings ( (PROV) ) has released its Q4 earnings. Here is a breakdown of the information Provident Financial Holdings presented to its investors.

Provident Financial Holdings, Inc., a holding company for Provident Savings Bank, operates in the financial services sector, primarily focusing on banking services in Riverside County and San Bernardino County, California.

Provident Financial Holdings reported a net income of $1.63 million for the fourth quarter of fiscal year 2025, marking a decrease of 12% from the previous quarter and 17% from the same quarter last year. The company’s net interest margin improved slightly compared to the previous year, despite a challenging operating environment.

Key financial metrics showed mixed results, with net interest income increasing by 5% year-over-year to $8.88 million, driven by higher yields on interest-earning assets. However, non-interest income fell by 40% due to the absence of gains recorded in the previous year. Non-interest expenses rose by 6%, primarily due to increased salaries and benefits. The company also saw a decrease in non-performing assets, reflecting improved credit quality.

For the fiscal year, Provident Financial Holdings experienced a 15% decline in net income to $6.26 million, attributed to higher non-interest expenses and lower non-interest income. Despite these challenges, the company maintained stable deposit levels and reduced borrowings over the year.

Looking forward, Provident Financial Holdings remains optimistic about fiscal 2026, expecting stable economic conditions and potential improvements in financial fundamentals. The company continues to focus on share repurchases and maintaining a consistent dividend policy.