The earnings call presented a mixed picture. While there were positive developments such as increased loan origination and stable credit quality, challenges were also evident with a decrease in loans held for investment, a decline in the net interest margin, and increased loan payoffs. Despite these challenges, the company's strong capital management and shareholder returns provide a buffer against the negative aspects.

Company Guidance

During the Provident Financial Holdings Fourth Quarter and Fiscal Year 2025 Earnings Call, Donavon Ternes, the President and CEO, provided detailed guidance on the company’s financial performance and outlook. The recent quarter saw a 5% increase in loan origination to $29.4 million, with loan principal payments and payoffs rising by 83% to $42 million. Despite higher mortgage rates, consumer demand for single-family adjustable rate mortgage products has stabilized, and the company expects loan origination volume in the September 2025 quarter to remain at the higher end of the $19 million to $36 million range. Credit quality remains stable with nonperforming assets at $1.4 million. The net interest margin fell by 8 basis points to 2.94%, affected by a 6 basis point decline in the yield on interest-earning assets. Operating expenses decreased to $7.6 million, and the company anticipates maintaining this level, with a projected run rate of $7.6 million to $7.8 million per quarter for fiscal 2026. The loan-to-deposit ratio has decreased slightly but remains higher relative to peers, reflecting the company’s comfort with its business model. Provident Financial Holdings also executed stock buybacks and cash dividends, resulting in a 129% distribution of fiscal 2025 net income.

Loan Origination Increase

In the most recent quarter, Provident Financial Holdings originated $29.4 million of loans held for investment, marking a 5% increase from $27.9 million in the prior sequential quarter.

Stable Credit Quality

Nonperforming assets were stable at $1.4 million as of June 30, 2025, unchanged from March 31, 2025, indicating strong credit quality.

Capital Management and Shareholder Returns

For the fiscal year, the company distributed approximately $3.8 million in cash dividends and repurchased about $4.3 million worth of common stock, resulting in a 129% distribution of fiscal 2025 net income.

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
Oct 28, 2025	2026 (Q1)	0.30 / -	0.28	―	―	―
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)
Jan 29, 2024	2024 (Q2)	0.26 / 0.31	0.33	-6.06% (-0.02)
Oct 25, 2023	2024 (Q1)	0.28 / 0.25	0.29	-13.79% (-0.04)
Jul 26, 2023	2023 (Q4)	0.33 / 0.26	0.34	-23.53% (-0.08)

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
Jul 28, 2025	$15.35	$15.05	-1.95%
Apr 28, 2025	$14.34	$14.64	+2.09%
Jan 28, 2025	$15.46	$15.56	+0.65%
Oct 28, 2024	$14.95	$14.96	+0.07%

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 Oct 28, 2025, Before Open (Confirmed).

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

Provident Financial Holdings, Inc (PROV) earnings time is at Oct 28, 2025, 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 (Q1) is 0.3.

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