Provident Financial reports Q4 EPS 24c vs. 28c last year
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 28 2025
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Net Interest Margin Improvement: Provident's net interest margin increased by 20 basis points to 2.94%, attributed to higher yields on assets and lower funding costs, despite a rise in loan prepayments affecting portfolio growth.
Positive Outlook for Fiscal 2026: CEO Donavon Ternes expressed optimism for fiscal 2026, highlighting stabilized deposit balances, declining borrowings, strong credit quality, and ongoing share repurchases and dividends, supported by stable economic conditions.
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.
