Provident Financial Holdings INC: directors' dealings · United States · SEC (Form 4)

About Provident Financial Holdings INC

Provident Financial Holdings, Inc. (ticker: PROV) is a U.S. financial holding company listed on the NASDAQ Global Select Market in the United States. It operates primarily through its wholly owned subsidiary, Provident Savings Bank, F.S.B., a federally chartered stock savings bank headquartered in Riverside, California. The holding company was organized in January 1996 in connection with the bank’s conversion from a mutual institution to a stock savings bank, while the bank itself was founded in 1956. Its franchise remains highly regional, centered on the Inland Empire in Southern California, especially Riverside County and western San Bernardino County. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai)) Provident’s business model is that of a classic community bank. Its core activities consist of taking deposits from local consumers and businesses and redeploying those funds into lending relationships within its market area. The company’s loan portfolio is led by single-family residential mortgages, multi-family loans, and commercial real estate lending, with additional exposure to construction loans, commercial business loans, and other mortgage and consumer lending. In addition to core banking, Provident also provides a narrower set of wealth management and trustee services, but the bulk of its economics remains tied to net interest income and relationship-based local banking. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000101047026000007/prov-20260331x10q.htm?utm_source=openai)) From a competitive perspective, Provident is positioned as an independent community bank serving consumers and small to mid-sized businesses. That local focus can be an advantage because it supports deeper customer relationships, disciplined underwriting based on regional knowledge, and a deposit franchise rooted in community ties. At the same time, the company’s geographic concentration means performance is more exposed than larger diversified banks to the economic cycle, real estate conditions, and deposit competition in Southern California. As of June 30, 2025, the bank operated 12 full-service offices in Riverside County and one full-service office in San Bernardino County, underscoring its compact but established branch footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai)) Recent disclosures show a modest-sized but stable institution. For the fiscal year ended June 30, 2025, Provident reported consolidated assets of about $1.25 billion, deposits of $888.8 million, and stockholders’ equity of $128.5 million. In July 2025, the company announced a cash dividend of $0.14 per share, which is relevant for income-oriented investors. In April 2026, the company reiterated in an SEC-linked release that it trades as PROV on NASDAQ GS. For investors in France, Belgium, and Switzerland, PROV is best viewed as a small U.S. community-bank stock with a concentrated California footprint, conservative product mix, and relatively limited scale versus regional and national banks. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1010470/000093905725000242/prov-20250630x10k.htm?utm_source=openai))