Provident Financial (NASDAQ: PROV) shares Q4 2025 results and investor deck

Rhea-AI Filing Summary

Provident Financial Holdings, Inc., the holding company for Provident Savings Bank, F.S.B., filed a current report to notify investors that it has released its financial results for the quarter ended December 31, 2025. The company distributed a news release with its quarterly results and made it available as an exhibit. On the same date, it also posted an Investor Presentation for the same quarter on its website under the Investor Relations section, providing additional detail on recent performance and business trends. Both the news release and the presentation are attached as exhibits to this report and incorporated by reference.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 27, 2026

PROVIDENT FINANCIAL HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Delaware	000-28304	33-0704889
(State or other jurisdiction	(Commission	(I.R.S. Employer
of incorporation)	File Number)	Identification No.)

3756 Central Avenue, Riverside, California	92506
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:  (951) 686-6060

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.

☐   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐   Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $.01 per share		PROV		The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [  ]

Item 2.02  Results of Operations and Financial Condition

On January 27, 2026, Provident Financial Holdings, Inc. (“Corporation”), the holding company for Provident Savings Bank, F.S.B., distributed its financial results for the quarter ended December 31, 2025. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01  Regulation FD Disclosure.

On January 27, 2026, the Corporation posted its Investor Presentation for the quarter ended December 31, 2025 on the Corporation’s website, www.myprovident.com, under Presentations in the Investor Relations section. A copy of the Investor Presentation is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

Item 9.01  Financial Statements and Exhibits

(d) Exhibits

99.1		News release of the Corporation’s financial results for the quarter ended December 31, 2025.
99.2		Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended December 31, 2025.
104		Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: January 27, 2026		PROVIDENT FINANCIAL HOLDINGS, INC.
		/s/ Peter C. Fan
		Peter C. Fan
		Senior Vice President and Chief Financial Officer
		(Principal Financial and Accounting Officer)

FAQ

What did Provident Financial Holdings (PROV) disclose in this 8-K?

Provident Financial Holdings, Inc. disclosed that it has distributed its financial results for the quarter ended December 31, 2025 and attached the related news release and Investor Presentation as exhibits.

Which period do the new Provident Financial Holdings (PROV) materials cover?

Both the news release and the Investor Presentation cover the financial results of Provident Financial Holdings, Inc. for the quarter ended December 31, 2025.

Where can investors find the new Provident Financial Holdings (PROV) Investor Presentation?

Investors can find the Investor Presentation for the quarter ended December 31, 2025 on the company’s website, www.myprovident.com, under Presentations in the Investor Relations section, and it is also attached as Exhibit 99.2.

What exhibits are included with this Provident Financial Holdings (PROV) 8-K?

The 8-K includes Exhibit 99.1, the news release of the company’s financial results for the quarter ended December 31, 2025, Exhibit 99.2, the Investor Presentation for that quarter, and Exhibit 104, the cover page interactive data file in Inline XBRL format.

Which items of Form 8-K does Provident Financial Holdings (PROV) address?

The report addresses Item 2.02, Results of Operations and Financial Condition, for the quarter ended December 31, 2025, and Item 7.01, Regulation FD Disclosure, relating to the posted Investor Presentation.

Who signed the Provident Financial Holdings (PROV) 8-K?

The 8-K was signed on behalf of Provident Financial Holdings, Inc. by Peter C. Fan, Senior Vice President and Chief Financial Officer, who is the principal financial and accounting officer.