PROV

Provident Financial Holdings, Inc. ( PROV ) Q1 2027 Earnings Call October 28, 2026 12:00 PM EDT Company Participants Donavon Ternes - President, CEO & Director Conference Call Participants Adam Kroll - Piper Sandler & Co., Research Division Presentation Operator Hello, everyone. Thank you for joining us, and welcome to the Provident Financial Holdings First Quarter of Fiscal 2027 Earnings Call.

While the top- and bottom-line numbers for Provident Financial (PROV) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Provident Financial (PROV) came out with quarterly earnings of $0.25 per share, missing the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.25 per share a year ago.

Net Income of $1.57 Million in the September 2026 Quarter, Down 28% from the Sequential Quarter and 6% from the Comparable Quarter Last Year Net Interest Margin of 3.32% in the September 2026 Quarter, Up 11 Basis Points from the Sequential Quarter and 32 Basis Points from the Comparable Quarter Last Year Loans Held for Investment of $1.04 Billion at September 30, 2026, Compared to $1.03 Billion at June 30, 2026 Total Deposits of $897.7 Million at September 30, 2026, Down 1% from $910.4 Million at June 30, 2026 Non-Performing Assets to Total Assets Ratio of 0.04% at September 30, 2026, Unchanged from June 30, 2026 Allowance for Credit Losses of $6.59 Million at September 30, 2026, Up from $5.85 Million at June 30, 2026 RIVERSIDE, Calif., Oct. 27, 2026 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B.

RIVERSIDE, Calif., Oct. 26, 2026 (GLOBE NEWSWIRE) -- Provident Savings Bank, F.S.B.

RIVERSIDE, Calif., Oct. 20, 2026 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”) (Nasdaq GS: PROV), the holding company for Provident Savings Bank, F.S.B.

RIVERSIDE, Calif., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc., NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B.

THG, ANF, SDRL, PROV and HPQ have been added to the Zacks Rank #1 (Strong Buy) List on September 25th, 2026.

HPQ, CRCT, PROV made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 25th, 2026.

PROV, VAC and TGT made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 31, 2026.