The earnings call reflects a positive sentiment with significant improvements in net interest margin, non-performing assets, and credit loss recovery. However, the company faces challenges with decreased loan origination, increased operating expenses, and economic uncertainty due to higher mortgage rates.

Company Guidance -

Q4 2025

During the Provident Financial Holdings Third Quarter of Fiscal 2025 Earnings Call, President and CEO Donavon Ternes provided comprehensive guidance on the company's financial performance and future outlook. The company originated $27.9 million in loans for investment, a 23% decrease from the previous quarter's $36.4 million. Non-performing assets decreased to $1.4 million from $2.5 million, while early-stage delinquencies were at $199,000. The net interest margin increased by 11 basis points to 3.02%, driven by a 7 basis point rise in the average yield on interest-earning assets and a 1 basis point decrease in the cost of interest-bearing liabilities. Loans totaling $110.9 million and $112.7 million are set to re-price in the upcoming quarters, indicating potential margin expansion. The company also repurchased approximately 52,000 shares, contributing to a 129% distribution of fiscal 2025 net income through dividends and buybacks. Operating expenses rose slightly to $7.9 million due to non-recurring costs, and the FTE count increased by one to 162. Provident Financial Holdings aims for disciplined loan portfolio growth amid evolving market conditions.

Decrease in Non-Performing Assets

Non-performing assets decreased to $1.4 million as of March 31, 2025, down from $2.5 million on December 31, 2024.

Net Interest Margin Increase

Net interest margin increased by 11 basis points to 3.02% for the quarter ended March 31, 2025, compared to 2.91% for the previous quarter.

Recovery of Credit Losses

Recorded a $391,000 recovery of credit losses in the March 2025 quarter, primarily due to an improvement in SFR collateral qualitative factors and a lower balance of nonperforming loans.

Decrease in Allowance for Credit Losses

Allowance for credit losses to gross loans held for investment decreased by 4 basis points to 62 basis points at March 31, 2025, from 66 basis points at December 31, 2024.

Repurchase of Common Stock

Repurchased approximately 52,000 shares of common stock in the March 2025 quarter, totaling $3.1 million for fiscal year-to-date.

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
Jul 28, 2025	2025 (Q4)	0.32 / -	0.28	―	―	―
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)
Apr 26, 2023	2023 (Q3)	0.33 / 0.33	0.23	43.48% (+0.10)

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, 2025	$14.47	$14.77	+2.07%
Jan 28, 2025	$15.60	$15.70	+0.64%
Oct 28, 2024	$15.09	$15.10	+0.07%
Jul 29, 2024	$12.57	$13.10	+4.22%

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 Jul 28, 2025, Before Open (Confirmed).

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

Provident Financial Holdings, Inc (PROV) earnings time is at Jul 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 2025 (Q4) is 0.32.

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