Provident Financial Holdings, Inc. (PROV) Q4 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 29 2025
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Source: Newsfilter
Earnings Call Overview: Provident Financial Holdings, Inc. held its Q4 2025 earnings conference call on July 29, 2025, featuring President and CEO Donavon Ternes and CFO Peter Fan discussing the company's business outlook and financial performance.
Forward-Looking Statements: The presentation included forward-looking statements regarding management's plans and objectives, with a caution that actual results may differ due to various risks and uncertainties outlined in their recent earnings release and SEC filings.
Analyst Views on PROV
About PROV
Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank include community banking, investment services and trustee services for real estate transactions. The Bank’s community banking operations include accepting deposits from customers within the communities surrounding its full-service offices and investing those funds in the origination of single-family, multi-family and commercial real estate loans and, to a lesser extent, construction, commercial business, consumer and other mortgage loans to be held for investment. It operates 12 full-service banking offices in Riverside County.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
