Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________________ to _________________ Commission File Number 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as ...

Company Participants Andrew Liesch - Piper Sandler Tim Coffey - Janney I would now like to turn the call over to Donavon Ternes, President and CEO. Please go ahead. 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 meas ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) For the quarterly period ended September 30, 2023 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________________ to _________________ Commission File Number 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 33-0704889 (State or other jurisdiction of incorporation o ...

Provident Financial Holdings, Inc. (NASDAQ:PROV) Q1 2024 Earnings Conference Call October 26, 2023 12:00 PM ET Craig Blunden â Chairman and Chief Executive Officer Donavon Ternes â President, Chief Operating and Chief Financial Officer Tim Coffey â Janney Andrew Liesch â Piper Sandler And I will now turn the conference over to our host, Chairman and CEO, Mr. Craig Blunden. Please go ahead, sir. Company Participants Conference Call Participants Operator Ladies and gentlemen, thank you for standing by, and we ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 33-0704889 (State or other jurisdiction of inco ...

Andrew Liesch - Piper Sandler [Operator Instructions] As a reminder, today's conference is being recorded. Thank you. Good morning, everyone. This is Craig Blunden, Chairman and CEO of Provident Financial Holdings. And on the call with me is Donavon Ternes, our President, Chief Operating and Chief Financial Officer. Provident Financial Holdings Inc. (NASDAQ:PROV) Q4 2023 Earnings Conference Call July 25, 2023 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, COO & C ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ] ACT OF 1934 For the quarterly period ended March 31, 2023 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________________ to _________________ Commission File Number 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as spec ...

Craig Blunden Operator Ladies and gentlemen, this conference is available for replay after 11:00 a.m. Eastern Time today through May 4 at midnight. You may access the replay service at any time by calling 1 (866) 207-1041 and enter the access code of 9361268. And that does conclude your conference for today. Thank you for your participation. You may now disconnect. To begin with, thank you for participating in our call. I hope that each of you has had an opportunity to review our earnings release, which des ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ] ACT OF 1934 For the quarterly period ended December 31, 2022 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________________ to _________________ Commission File Number 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as s ...

New loan production is being originated at higher mortgage interest rates than recent prior quarters and adjusted rate loans in our portfolio are now adjusting to higher interest rates in comparison to their existing interest rates. Also for multifamily and commercial real estate loans, the loans are adjusting above their existing floors. However, many adjustable rate loans in all categories are limited in their upward adjustment by their periodic interest rate caps. All right. Thank you. Well, we look forw ...