Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Q3 FY2026 Earnings Presentation
15 slides from Provident Financial's earnings presentation, Apr 28, 2026
Slide 1: Investor Presentation Third Quarter Ended March 31, 2026
Investor Presentation tes Third Quarter Ended March 31, 2026 PROV/DEN T. oN Provident Financial Holdings, Inc.
Slide 2: Safe Harbor Statement
Safe Harbor Statement ‘This presentation contains statements that the Company believes are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, These statements relate to the Company's financial condition, liquidity, results of operations, plans, o
Slide 3: Market Highlights
Market Highlights i) Provident Financial Holdings, Inc. Nasdaq GS: Share Price: 52-Week Range: Shares Outstanding: Market Capitalization: P/E (ttm): Diluted EPS (ttm): Annual Dividend & Yield: As of March 31, 2026 PROV $16.12 $13.51 - $16.64 6,323,219 shares $101.9 million 17.5x $0.92 $0.56 (3.5%)
Slide 4: Company Overview
hise Overview Provident Bank Offices: ~/ 4 “a Blythe “| Corona = “Hemet e 4 “Moreno Valley ae “kRancho Mirage Be, “& Redlands 2. “a Sun City tor “a Temecula 49 _Largestindependent community *” bank headquartered in Riverside County, California aT Expanding customer base and market Oo 11" largest dep
Slide 5: Financial Performance and Ratios
Financial Performance and Ratios Developments (sequential quarter) ¥ Net Income decreased approximately 6% Y Pre-Provision, Pre-Tax Income increased approximately 18% ¥ $326,000 provision for credit losses vs. $158,000 recovery of credit losses. Net Interest Margin increased 10 basis points to 3.13%
Slide 6: Financial Performance and Ratios
Financial Performance and Ratios aaFY25 §—O3F¥25 AFY25 SANet Income (in PROVIDENT. aF6 §— O2FY.6 ns) SOMERS a3FY26 50% 501% 5.17% bei 420% 2.66% 059% 053% 0.55% Fs §—OBFY25 © GaFY5 © OAFY26 = GFY26«—OBFY26 —=noA ROE
Slide 7: Balances & Activity
Balances & Activity Y Loans Held for Investment balance decreased 1% to $1.08 billion, while the weighted average rate decreased two basis points to 5.20% at March 31, 2026 ¥ Total Deposits balance increased 2% to $892.9 million, while the weighted average rate decreased two basis points to 1.31% at
Slide 8: Balances & Activity
Balances & Activity [Loans Held for ivesiment (LH Composition | Loan category Balance as Interest Balance as_ Interest Dota in Hi of 03/9126 Rate of 0301725 Rate nner states 0% , Single-Family $5484 4.89% F545. 4 BON. ‘omer: Infand Empire (4) Multi-Family 407.4 5.85% 429.5 5.47% California ae 36% Co
Slide 9: Balances & Activity
Balances & Activity Funding Mix 12/31/24 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 $324 $566 $560 Transaction Accounts TimeDeposits = Borrowings Deposit Composition at 03/31/26 Money Market Accounts 2% Time Deposits 36% Savings Accounts 25% Checking Accounts Imerest-Bearing 2% PROVIDENT: Checking
Slide 10: Asset Quality
Asset Quality Y _Non-Performing Assets to Total Assets Ratio was 0.08% at March 31, 2026 compared to 0.08% at December 31, zy 0.20% 2025 (sequential quarter) Y $326,000 Provision for Credit Losses in the quarter ended March 31, 2026 ¥ No REO 0.08% 0.08% Y Early-Stage Delinquencies remain at very low
Slide 11: Asset Quality
Asset Quality Allowance for Credit Losses (ACL) and ACL Ratio ACL Allocation as of 03/31/26 Commercial Multi-Family Real Estate A Other Loans 0% Single-Family xa/s1/mn28 09/22/2025 06/30/2025 09/20/2025 12/21/2025 8/21/2026 90% [SEIACL (In Millions) eacmACLto LH Ratio Delinquent and Non-Performing L
Slide 12: Capital Management
Capital Management ¥ Strong Capital Ratios 19.67% ¥ 3.52% cash dividend yield {as of March 31, 2026) ¥ Purchased approximately 92,000 shares of common stock in the third quarter of fiscal 2026 s2/3i/24 03/31/25 06/30/25 09/30/25 12/34/25 03/31/26 Son Tierd Lavemge SeSCET ard Tierd RekGased Captal —=
Slide 13: Appendix
“SA pemalixe PROVIDENT 3a. Provident Financial Holdings, Inc. 12
Slide 14: Loans by Vintage
Loans by Vintage (1) Ganent ban baer ia comparzon to the original (@ Attine sf fon ination, (8) Rhemide and Sen Beraring counties, {@) Other thor Ind Emp. (5) Other than Ind Empite and Southern Calton (1) Carentan tales in comparzan to the original Se ee fu, cat oovermne rato” | srax | vam | vse | t
Slide 15: Geographic Location - Loans
Geographic Location - Loans Mortgage Loan Category Inland Empire!” Southern California® Other California Other States Total fcorrsin mone) Baance Percentaye Balance Percentaye Balance Percentage Balance Percentage Balance _ Percentage Single-Farrily $1429 26% § 1746 32% § 230.7 42% § 02 0% § 548.4 1
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