Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Q4 FY2026 Earnings Presentation
15 slides from Provident Financial's earnings presentation, Jul 28, 2026
Slide 1: Investor Presentation Fourth Quarter Ended June 30, 2026
Investor Presentation bea Fourth Quarter Ended June 30, 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 mig inlighits 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 June 30, 2026 PROV $17.20 $14.95 - $17.42 6,264,035 shares $107.7 million 16.7x $1.03 $0.56 (3.3%)
Slide 4: Franchise Overview
Franchise Overview = a Provident Bank Offices: Oi a “& Blythe “ Riverside: © “| “3s Corona “i Canyon Crest ae “ia Hemet “ia Home Office e “a Moreno Valley “a Downtown _ ‘ == %& Rancho Mirage % La Sierra me, “a Redlands “a Orangecrest 2. “a Sun City tor “A Temecula 49 Largest independent community ba
Slide 5: Financial Performance and Ratios
Financial Performance and Ratios Developments (sequential quarter) Net Interest Income (NII) and Net Interest Margin (NIM) Y Net Income increased approximately 61% Y Pre-Provision, Pre-Tax Income increased approximately 27% ¥ $95,000 recovery of credit losses vs. $326,000 provision for credit losses
Slide 6: Financial Performance and Ratios
Financial Performance and Ratios O3FY25§— QAFY2S §—QIFY26§—Q2FY26.—QSFY26AFY26 O3FY25 —QAFY25 —QIFY26 «= GRFY26.—OSFY26.—QAEY2G ‘ESNet Income (In Millions) =OmEPS —=R0A == ROE PROVIDENT. 5
Slide 7: Balances & Activity
Balances & Activity ¥ Loans Held for Investment increased slightly to $1.03 billion, while the weighted average rate increased 11 basis points to 5.31% at June 30, 2026 ¥ Total Deposits increased 2% to $910.4 million, while the weighted average rate increased 12 basis points to 1.43% at June 30, 202
Slide 8: Balances & Activity
Balances & Activity | _Loans Held for Investment (LHD Composition Loan category Balance as Interest Balance as_ Interest Dota in Hi of 06/9026 Rate of 0600/25 Rate other states Single-Family 5 5659 «4.75% F S444 4.89% c Intand Empire (2) other pe MutFamily 35.9 5.80% M4 5.50% mas ‘Commercial Real Es
Slide 9: Balances & Activity
Balances & Activity Funding Mix 8 Fs e a ea 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 Transaction Accounts mTimeDeposits = Borrowings Deposit Composition at 06/30/26 Money Market Accounts Time Deposits 39% ‘Checking Accounts Interest-Bearing ‘Checking Accounts- Non Interest-Bearing 10% 2
Slide 10: Asset Quality
Asset Quality Y Non-Performing Assets to Total Assets Ratio was 0.04% at June 30, 2026 compared to 0.08% at March 31, 2026 (Sequential quarter) ¥ $95,000 Recovery of Credit Losses in the quarter ended June 30, 2026 ¥ No REO Y Early-Stage Delinquencies remain at very low levels Inmilions 03/31/25 06/
Slide 11: Asset Quality
Asset Quality Allowance for Credit Losses (ACL) and ACL Ratio 08/31/2025. 06/30/2025 08/30/2025 12/31/2025 03/31/2026 06/20/2025 KESHACL(In Milfions) eecmACLto LHI Ratio Delinquent and Non-Performing Loans Morgsge loa ShgieFemiy ess ons Taal a PROVIDENT®: ACL Allocation as of 06/30/26 commercial Mul
Slide 12: Capital Management
Capital Management ¥ Strong Capital Ratios ¥ 3.3% cash dividend yield (as of June 30, 2026) ¥ Purchased approximately 90,000 shares of common stock in the fourth quarter of fiscal 2026 03/31/25 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26. wow Tier LLeverage =eCETI and Tier 1 Risk-Based Capital <ecm
Slide 13: %/‘Voemnelixc
%/‘Voemnelixc PROVIDENT 3a. Provident Financial Holdings, Inc. 12
Slide 14: Loans by Vintage
Loans by Vintage (7) Covent oan balance in comparison to the orignal (2 Aetna flan oiginaton, (5) eerie ana Son Serarcina count, (4) ter thar inane Empire (5) ter thar nan Empie an Southern Calforia (7) Covent oan balance in comparizn to the orignal a am om et fu, cat ooverane rato” | sax | tam | ta
Slide 15: Geographic Location - Loans
Geographic Location - Loans Mortyage Loan Category —_Intand Empire") Southern California) Other California Other States Total fosscsin enn Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance _ Percentage Single-Fariy $ 1431 25% $1754 HATZ MH $2 OHS 8K 100% uli-Famly 1
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