Provident Financial Holdings, Inc. (PROV) Q4 2026 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 operator today. At this time, I would like to welcome everyone to the Provident Financial Holdings fourth quarter and fiscal 2026 earnings call. Our lines have been placed on you to prevent any background noise. After the conference call... 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 Donavon Ternes. Please go ahead. Thank you, Lacey. Good morning. This is Donavon Ternes, President and CEO of Provident Financial Holdings. and on the call with me is Peter Fan, our Senior Vice President and Chief Financial Officer. 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 description 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 interest rates, 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 is available from the earnings release that was distributed yesterday, from the annual report on Form 10-K for th...