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Provident Financial Holdings (PROV) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Aug 03, 2026

Before Open (Confirmed)

Period Ending

2026 (Q4)

Consensus EPS Forecast

0.29

Last Year’s EPS

0.24

Same Quarter Last Year

Analyst Consensus

Hold

Based on 1 Analysts Ratings

Earnings Call Summary

Q2 2026

Earnings Call Date:Jan 27, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call highlighted several positive operational and financial trends — stronger loan originations, improved asset quality, slightly higher net interest margin, lower funding costs, and solid capital positions with ongoing shareholder returns. These positives were partially offset by elevated loan payoffs that reduced quarter-end loan balances and pressured NIM through accelerated deferred cost amortization, a modest rise in operating expenses (including a settlement), and some uncertainty around loan repricing in June 2026 that could affect growth. On balance, the company appears fundamentally stable with opportunities for margin improvement, but near-term growth is subject to payoff and repricing dynamics.

Company Guidance

Management guided that loan origination momentum continued—$42.1M originated in the December quarter (up 42% vs. $29.6M sequentially) but was offset by $46.7M of principal payments/payoffs (up 35% vs. $34.5M), leaving loans held for investment down about $4.1M; pipelines suggest March quarter originations likely within the recent $28M–$42M range. Asset quality remains strong with nonperforming assets of $990k (8 bps of total assets, down from $1.9M), no early-stage delinquencies, a $158k recovery to credit losses, and an allowance for credit losses to gross loans HFI of 55 bps (vs. 56 bps); CRE office exposure is $36.7M (3.5% of loans HFI) and only six CRE loans totaling $2.8M mature for the remainder of fiscal 2026. Margin and funding dynamics point to upside: net interest margin rose 3 bps to 3.03%, deposit cost fell to 1.32% (down 2 bps), borrowing cost fell 20 bps to 4.39%, though net deferred loan cost amortization reduced NIM by ~5 bps; loans originated carried a 6.15% weighted average rate vs. 5.22% for the portfolio, ~ $112.2M of loans reprice in March to an expected 6.85% (14 bps lower) and ~$125.2M reprice in June to an expected 6.49% (38 bps higher), while ~$109M and ~$79.5M of wholesale funding (ex-overnight) mature in March and June at weighted rates of 4.12% and 4.15% respectively—management expects to reprice these lower and sees an opportunity for NIM expansion in March. Operating and capital guidance: FTEs 163, operating expenses $7.9M in the quarter (including a $214k pre‑litigation settlement) with an expected run rate of ~$7.6M–$7.7M/quarter, and capital returns continuing (Dec quarter dividends $906k and buybacks ~ $1.5M, plus ~$96k repurchased in December), representing a 170% distribution of the December quarter’s net income.

Strong Increase in Loan Originations

Originations of loans held for investment were $42.1M in the quarter, a 42% increase from $29.6M in the prior sequential quarter, and loan pipelines are moderately higher suggesting March 2026 originations within the recent range of $28M–$42M.

Improved Credit Metrics and Asset Quality

Nonperforming assets declined to $990K (0.08% of total assets) from $1.9M the prior quarter; no loans in early delinquency; recorded a $158K recovery of credit losses; allowance for credit losses was 55 bps of gross loans (down slightly from 56 bps).

Net Interest Margin and Funding Cost Improvement

Net interest margin increased by 3 basis points to 3.03%; average cost of deposits decreased to 1.32% (down 2 bps) and cost of borrowing decreased 20 bps to 4.39%, supporting potential margin expansion.

New Loans Priced Above Existing Portfolio

Weighted average rate of loans originated in the quarter was 6.15% versus a 5.22% weighted average for loans held for investment, indicating new production is earning higher yields than the existing portfolio.

Funding Repricing Opportunity

Approximately $109M of wholesale funding maturing in March 2026 (weighted avg rate 4.12%) and $79.5M maturing in June 2026 (4.15%) present an opportunity to reprice funding lower given current market rates, suggesting potential NIM expansion in March 2026.

Capital Strength and Shareholder Returns

The company remains well-capitalized by a significant margin, maintained its cash dividend, repurchased approximately $1.5M of common stock in the fiscal second quarter (and $96K in the December quarter), and distributed $906K of cash dividends in the quarter.

Lean Staffing and Efficiency Focus

FTE count was 163 (vs 162 a year ago) and management continues to pursue operating efficiencies with an expected quarterly operating expense run rate of $7.6M–$7.7M for the remainder of fiscal 2026.

Provident Financial Holdings (PROV) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PROV Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 03, 2026	2026 (Q4)	0.29 / -	0.24	―	―	―
Apr 28, 2026	2026 (Q3)	0.31 / 0.21	0.28	-25.00% (-0.07)
Jan 27, 2026	2026 (Q2)	0.35 / 0.22	0.13	69.23% (+0.09)
Oct 28, 2025	2026 (Q1)	0.30 / 0.25	0.28	-10.71% (-0.03)
Jul 28, 2025	2025 (Q4)	0.32 / 0.24	0.28	-14.29% (-0.04)
Apr 28, 2025	2025 (Q3)	0.24 / 0.28	0.22	27.27% (+0.06)	―
Jan 28, 2025	2025 (Q2)	0.26 / 0.13	0.31	-58.06% (-0.18)
Oct 28, 2024	2025 (Q1)	0.24 / 0.28	0.25	12.00% (+0.03)
Jul 29, 2024	2024 (Q4)	0.26 / 0.28	0.26	7.69% (+0.02)
Apr 29, 2024	2024 (Q3)	0.23 / 0.22	0.33	-33.33% (-0.11)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PROV Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 28, 2026	$16.87	$17.00	+0.76%
Jan 27, 2026	$15.86	$15.84	-0.12%
Oct 28, 2025	$15.30	$15.29	-0.06%
Jul 28, 2025	$14.96	$14.67	-1.94%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Provident Financial Holdings, Inc (PROV) report earnings?

Provident Financial Holdings, Inc (PROV) is schdueled to report earning on Aug 03, 2026, Before Open (Confirmed).

What is Provident Financial Holdings, Inc (PROV) earnings time?

Provident Financial Holdings, Inc (PROV) earnings time is at Aug 03, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PROV EPS forecast?

PROV EPS forecast for the fiscal quarter 2026 (Q4) is 0.29.