The earnings call presented a mixed picture with positive signs in loan origination growth and stable credit quality, but challenges in maintaining the net interest margin and managing higher loan principal payments and payoffs. While there were notable achievements in capital management, the decrease in loans held for investment and rising costs were concerning.

Company Guidance -

Q1 2026

During the Provident Financial Holdings Fourth Quarter and Fiscal Year 2025 Earnings Call, CEO Donavon Ternes highlighted several key metrics regarding the company's financial performance and future outlook. Loan origination for the quarter reached $29.4 million, marking a 5% increase from the previous quarter, while loan principal payments and payoffs surged by 83% to $42 million. The company reported a decrease of $13.2 million in loans held for investment, driven mainly by reductions in multifamily, commercial real estate, and commercial business loans, partially offset by an uptick in single-family loans. Nonperforming assets were stable at $1.4 million, with no loans in early delinquency stages. The net interest margin decreased by 8 basis points to 2.94%, influenced by higher net deferred loan costs and a 6 basis point decline in the average yield on total interest-earning assets. The weighted average rate for loans originated in the quarter was 6.69%, compared to the portfolio's weighted average rate of 5.16%. The company anticipates opportunities to expand the net interest margin in the upcoming quarter, citing potential repricing of $117 million and $98 million of loans at higher interest rates in the September and December quarters, respectively. Operating expenses decreased to $7.6 million from $7.9 million in the previous quarter, with a forecasted run rate of $7.6 to $7.8 million per quarter for fiscal 2026. Furthermore, Provident Financial Holdings repurchased approximately 76,000 shares of common stock and distributed $3.8 million in dividends, resulting in a 129% distribution of fiscal 2025 net income.

Increase in Loan Origination

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

Stable Credit Quality

Nonperforming assets remained unchanged at $1.4 million as of June 30, 2025, with no loans in the early stages of delinquency, indicating stable credit quality.

Improved Composition of Interest-Earning Assets

The composition of total interest-earning assets improved, with a higher percentage of loans receivable and interest-earning deposits, and a lower percentage of investment securities.

Capital Management Highlights

Provident Financial Holdings repurchased approximately 76,000 shares of common stock in the June 2025 quarter and distributed $3.8 million in cash dividends for the fiscal year, 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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing