Provident Financial Holdings, Inc. (PROV) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello and thank you for standing by. My name is Lacey and I will be your conference facilitator today. At this time I would like to welcome everyone to the Provident Financial Holdings third quarter of fiscal 2025 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks there will be a question and answer session. If you would like to ask a question during this time simply press star followed by the number one on your telephone keypad. If you would like to withdraw your question press star one again. Thank you. I would now like to turn the call over to Donovan Tarnas, President and CEO. Please go ahead. Thank you Lacey. Good morning. This is Donovan Tarnas, President and CEO of Provident Financial Holdings. Before we begin I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company's general outlook for economic and business conditions. We also may make forward-looking statements during the question and answer period following management's presentation. These forward-looking statements are subject to a number of risks and uncertainties and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed yesterday from the annual report on form 10k for the year ended June 30, 2024 and from the form 10qs and other SEC filings that are filed subsequ...