Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Q4 FY2025 Earnings Presentation
16 slides from Provident Financial's earnings presentation, Jul 28, 2025
Slide 1: Fourth Quarter of Fiscal 2025
Fourth Quarter of Fiscal 2025 SA Pa June 30, 2025 e324 PROW/DENT. 24. myprovident.com 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: Provident Financial Holdings, Inc. Nasdaq GS: PROV
PROVIDENT: Provident Financial Holdings, Inc, Nasdaq GS: PROV Share Price: $15.50 52-Week Range: $12.01 - $16.70 Shares Outstanding: 6,577,718 shares Market Capitalization: —§ $102.0 million PIE (ttm): 16.67x Diluted EPS (ttm): $0.93 Annual Dividend & Yield: $0.56 (3.61%) As of June 30, 2025
Slide 4: Franchise Overview
Franchise Overview Pe) Largest independent community bank headquartered in Riverside County, California Expanding customer base and RP market ° 11" largest deposit market share in Riverside County; 2"? largest deposit market share of community banks Provident Bank Offices: “ Blythe “Ss Canyon Crest,
Slide 5: Quarterly income and net interest margin highlights
¥ Net Income decreased approxi ¥ Pre-Pro ately 12% n, Pre-Tax Income decreased approximately 5% S $164,000 recovery of credit losses vs. $391,000 recovery of credit losses. Net Interest Margin decreased eight basis points to 2.94% Net Interest Income decreased approximately 4% Non-Interest Income de
Slide 6: sao
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Slide 7: ua 500% sven
350% 50.00% ua 500% sven S008 80.00% 7500% 274% 2.50% 70.00% 7230% 500% 200% «0.00% asry24 qarvag qirv2s azey2s azev2s aarv2s asry24 qary24 anev2s azev2s aarv25 aarv2s 1.00% 2000% 0.61% 0.59% 200%. 5.96% 5.78% oar 5.71% 600% 5.01% oso 062% on asm 4.00% 026% 200% De 00% Q3FY24 G4FY24 Qi1FY25 Q2FY25 a
Slide 8: Loans Held for Investment, Deposits and Borrowings balances
Y Loans Held for Investment balance decreased approximately 1% and the yield increased one basis point at June 30, 2025 Y Total Deposits balance decreased approximately 1% and the cost increased four basis points at June 30, 2025 Y Total Borrowings balance decreased approximately 1%and the cost decr
Slide 9: Loan category balances and interest rates
Loan category Balance as Interest Balance as. |Dollarsin Thousands, of 06/30/25 Rate of 06/30/24 Single-Family 3 544,825 4.69% $518,001 Multi amily 42317 5.52% 445,162 Commercial Real Estate 72,785 6.59% 83,349 Construction 402 9.47% 2,682 other aa 5.25% 95 Commercial Business 4,287 9.59% 1372 Consu
Slide 10: Deposits and Borrowings balances and activity
03/31/24 08/30/24 08/30/24 12/31/24 03/31/25 06/30/25, Transaction Accounts mTime Deposts s Borrowings Money Market Accounts Tims Deposits 25% 2 ‘Checking Accounts - Non Intarest-Besaring Sevings Accounts 26% Checking Accounts - Interest-Besaring 27% 2% PROVIDENT: Balances & Activity 5047 (Dokars ‘A
Slide 11: Non-Performing Assets to Total Assets Ratio
Y Non-Performing Assets to Total Assets Ratio was pga unchanged at 0.11% at June 80, 2025 compared to Sao 1206 March 31, 2025 (sequential quarter) 52200 52,000 1.00% Y $164,000 Recovery of Credit Losses in the quarter ended 51800 June 80, 2025 53600 am 400 Y No REO 5200 8m 1900 Y Early-Stage Delinqu
Slide 12: soo
soo Commerdaieatsate _-coneueon 1% seo00 S708 $7,068 $6,956 _ CommercialBusiness $6,329 88.577 $6,424 095 Muley / cori 10% = a seooo _ other 0% sooo 3 82000 : \_ Single-Family so 89% 5/81/20 05/50/20 ceyS0/28 1951/20 OHSS OHO Morgige Lene ‘Sigie Femi Malini so so so so so $0 2 : $0 he Fy cBry24 —QAF
Slide 13: Loan Category by Geographic Location
Loan Category Infand Empire"? Southern California” Other California Other States Total fooractn movers) Balance Percentaye Balance Percentage Balance Percentaye Balance Percentaye Balance __Percentaye Single-Family § 143217 2% «$179,162 33% «= $2211 1% FH § 544425 100% Mut Family S0AS1 12% 243790 8%
Slide 14: esr eseroe@nMausnas] $55,052 | $6,373 | $5,555 | 715,025] F1a7.c15]| $154,439] $5055 | $55,276
esr eseroe@nMausnas] $55,052 | $6,373 | $5,555 | 715,025] F1a7.c15]| $154,439] $5055 | $55,276 | $39,555 | ¥500,567 fwelatedava rico Yee te | G50 | Fe | ee | Fee | Fee | Feo | Seo | Fee oer sens sreagern (22) 1 art tance in coniton thera ‘Souern eaiforga®° sex | dee | Som | See | Sem | Sox | dom | s
Slide 15: Bank Capital Ratios
Bank Capital Ratios 22.006 =a 2.0% 0% sie ‘sews er 15.0% 5.0% 19.0% 14.0% 20% 0% el ee ae ee aoe cov eons spss csjapze|os/sfae| apse ona o6Pa/s cajaipee | o6fape ospsopee apse B/S | OOS ——Terilevergetnic 570 0m 36% sem Om TOA ee a ee ae 2.0% 2.0% 20.00% 2.006 geet gmt — ao er a 16.006 15.0% 19.0% 14
Slide 16: Strong Capital Ratios; Stock Price to Tangible Book Value Multiple
¥ Strong Capital Ratios ‘Stock Price to Tangle Book Value Multiple ¥ 3.61% Cash dividend yield (approximately) ee ¥ Purchased approximately 76,000 shares of commen 2.00% stock in the fourth quarter of fiscal 2025. ste ate — —._ <= ia use (09/30/23|12/21/23| 03/21/24 06/30/24 03/20/24 12/21/20 03/21/
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