Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Investor Presentation (March 2026)
15 slides from Provident Financial's investor presentation, March 2026
Slide 1: Investor Presentation
Investor Presentation Third Quarter Ended March 31, 2026
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, ob
Slide 3: Market Highlights
Market Highlights Provident Financial Holdings, Inc. Nasdaq GS: PROV Share Price: $16.12 52-Week Range: $13.51 - $16.64 Shares Outstanding: 6,323,219 shares Market Capitalization: $101.9 million P/E (ttm): 17.5x Diluted EPS (ttm): $0.92 Annual Dividend & Yield: $0.56 (3.5%) As of March 31, 2026 2
Slide 4: Franchise Overview
Franchise Overview Provident Bank Offices: Blythe Riverside: Corona Canyon Crest Hemet Home Office Moreno Valley Downtown Rancho Mirage La Sierra Redlands Orangecrest Sun City Temecula Largest independent community bank headquartered in Riverside County, California Expanding customer base and market
Slide 5: Financial Performance and Ratios
Financial Performance and Ratios Developments (sequential quarter) Net Interest Income (NII) and Net Interest Margin (NIM) $10.0 4.00% ✓ Net Income decreased approximately 6% ✓ Pre-Provision, Pre-Tax Income increased approximately 18% $9.0 $9.2 $9.2 3.50% $8.9 $8.9 $8.9 $8.8 ✓ $326,000 provision for
Slide 6: Financial Performance and Ratios
Financial Performance and Ratios Net Income and Earnings Per Share (EPS) Return on Equity (ROE) and Return on Assets (ROA) $3.0 $0.28 $0.30 7.00% $0.25 5.71% $0.24 6.00% 5.01% 5.17% $0.22 $0.25 $0.21 5.00% 4.44% 4.21% $2.0 $0.20 4.00% $1.9 $0.13 $1.7 $0.15 2.66% $1.6 3.00% $1.4 $1.4 $1.0 $0.10 2.00%
Slide 7: Balances & Activity
Balances & Activity Developments (sequential quarter) Loan to Investment Mix $1,200 ✓ Loans Held for Investment balance decreased 1% to $1.03 $115 $121 billion, while the weighted average rate decreased two basis $111 $105 $100 $1,100 $95 points to 5.20% at March 31, 2026 $1,000 ✓ Total Deposits bal
Slide 8: Balances & Activity
Balances & Activity Loans Held for Investment (LHI) Composition Geographic Location Loan Category Balance as Interest Balance as Interest (Dollar In Millions) of 03/31/26 Rate of 03/31/25 Rate Other States 0% Single-Family $ 548.4 4.69% $ 545.4 4.66% Other Inland Empire (1) California 20% Multi-Fami
Slide 9: Balances & Activity: Funding Mix
Balances & Activity Funding Mix Balances and Cost of Funds Category (Dollar In Millions) At 03/31/2026 Rate At 03/31/2025 Rate $216 $213 $246 $184 $213 $213 Checking Accounts - Non Interest-Bearing $ 84.6 -% $ 89.1 -% Checking Accounts - Interest-Bearing 238.7 0.05% 248.4 0.04% Savings Accounts 225.
Slide 10: Asset Quality
Asset Quality Developments Non-Performing Assets (NPA) and NPA Ratio $3 ✓ Non-Performing Assets to Total Assets Ratio was 0.08% at March 31, 2026 compared to 0.08% at December 31, 0.20% 0.20% 2025 (sequential quarter) $2 0.15% ✓ $326,000 Provision for Credit Losses in the quarter 0.11% ended March 3
Slide 11: Asset Quality
Asset Quality Allowance for Credit Losses (ACL) and ACL Ratio ACL Allocation as of 03/31/26 $8 1.50% Commercial 1.30% Multi-Family Real Estate Other Loans $7.0 9% 1% 0% $6.6 $6 1.10% $6.4 $5.9 $5.8 $5.6 0.90% 0.66% $4 0.62% 0.62% 0.56% 0.55% 0.58%0.70% 0.50% $2 0.30% 0.10% $0 -0.10% Single-Family 12
Slide 12: Capital Management
Capital Management Developments Capital Ratios 20.03% 20.51% 19.96% ✓ Strong Capital Ratios 19.67% 19.09% 19.56% ✓ 3.52% cash dividend yield (as of March 31, 2026) 18.60% 19.01% 19.50% 18.67% 19.01% 18.19% ✓ Purchased approximately 92,000 shares of common 9.81% 9.85% 10.11% 9.79% 9.98% stock in the
Slide 13: Appendix
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Slide 14: Loans by Vintage
Loans by Vintage Single-Family – Loans Held for Investment Calendar Year of Origination (1) Current loan balance in comparison to the original 2018 & Prior 2019 2020 2021 2022 2023 2024 2025 2026 YTD TOTAL appraised value. Loan Balance (In Thousands) $35,202 $5,478 $13,625 $137,311 $186,938 $41,703
Slide 15: Geographic Location - Loans
Geographic Location - Loans (1) (2) Mortgage Loan Category Inland Empire Southern California Other California Other States Total (Dollars in Millions) Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance Percentage Single-Family $ 142.9 26% $ 174.6 32% $ 230.7 42% $ 0.
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