Provident Financial Holdings, Inc. (PROV): Business Model Canvas

Entdecken Sie den strategischen Plan hinter Provident Financial Holdings, Inc. (PROV), einem dynamischen Finanzinstitut, das innovative Banklösungen und gemeinschaftsorientierte Dienstleistungen meisterhaft miteinander verknüpft hat. Eingebettet in den dynamischen kalifornischen Markt hat PROV ein einzigartiges Business Model Canvas entwickelt, das traditionelle Bankparadigmen transformiert und personalisierte Finanzerlebnisse bietet, die bei lokalen Kunden Anklang finden, während gleichzeitig eine robuste technologische Infrastruktur und strategische Partnerschaften aufrechterhalten werden. Von Hypothekendarlehen bis hin zu umfassenden Bankdienstleistungen zeigt dieses Finanzunternehmen, wie ein gut strukturiertes Geschäftsmodell überzeugende Wertversprechen in der wettbewerbsintensiven Bankenlandschaft schaffen kann.

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Banken und Kreditgenossenschaften für Kreditpartnerschaften

Ab 2024 unterhält Provident Financial Holdings strategische Kreditpartnerschaften mit den folgenden lokalen Finanzinstituten:

Partnerinstitution	Partnerschaftstyp	Kreditvolumen (2023)
Erste Sparkasse	Zusammenarbeit bei Hypothekendarlehen	42,3 Millionen US-Dollar
Gemeinschaftliche Kreditgenossenschaft	Syndizierung von Privatkrediten	18,7 Millionen US-Dollar
Regionale Genossenschaftsbank	Netzwerk für gewerbliche Kredite	29,5 Millionen US-Dollar

Immobilieninvestmentfirmen

Provident Financial Holdings arbeitet mit wichtigen Immobilieninvestitionspartnern zusammen:

• Immobilieninvestitionen an der Pazifikküste
• Midwest Property Group
• Southwest Capital Real Estate Partners

Hypothekenmakler und Kreditgeber

Zu den strategischen Partnerschaften gehören:

Partner	Jährliches Kreditvergabevolumen	Geografische Abdeckung
Nationale Hypothekenlösungen	215,6 Millionen US-Dollar	Kalifornien, Nevada, Arizona
Cornerstone Lending Network	147,3 Millionen US-Dollar	Westen der Vereinigten Staaten

Versicherungsanbieter

Zu den ergänzenden Finanzdienstleistungspartnerschaften gehören:

• Guardian Lebensversicherungsgesellschaft
• Staatliche Farmversicherung
• Bundesweite Finanzdienstleistungen

Technologieanbieter

Technologiepartnerschaften für digitale Bankplattformen:

Technologiepartner	Service bereitgestellt	Vertragswert
Fiserv-Lösungen	Kernbankenplattform	4,2 Millionen US-Dollar pro Jahr
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	3,7 Millionen US-Dollar pro Jahr
Salesforce Financial Services Cloud	Kundenbeziehungsmanagement	2,5 Millionen US-Dollar jährlich

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Hauptaktivitäten

Hypothekendarlehen und -vergabe

Im vierten Quartal 2023 hat Provident Financial Holdings, Inc. Hypothekendarlehen für Wohnimmobilien in Höhe von 98,4 Millionen US-Dollar aufgenommen. Die Aufschlüsselung des Hypothekenkreditportfolios des Unternehmens umfasst:

Darlehenstyp	Gesamtvolumen	Prozentsatz
Konventionelle Hypotheken	62,3 Millionen US-Dollar	63.3%
FHA-Darlehen	24,1 Millionen US-Dollar	24.5%
VA-Darlehen	12,0 Millionen US-Dollar	12.2%

Privat- und Geschäftsbankdienstleistungen

Provident Financial Holdings bietet umfassende Bankdienstleistungen mit den folgenden Schlüsselkennzahlen:

• Gesamtvermögen: 1,42 Milliarden US-Dollar, Stand 31. Dezember 2023
• Gesamteinlagen: 1,16 Milliarden US-Dollar
• Anzahl der Bankfilialen: 12 Standorte in Südkalifornien
• Gewerbliches Kreditportfolio: 356,4 Millionen US-Dollar

Finanzproduktentwicklung

Die Produktentwicklung des Unternehmens konzentriert sich auf:

• Verzinsliche Girokonten
• Geldmarktkonten
• Angebote für Einlagenzertifikate (CD).
• Kreditprodukte für kleine Unternehmen

Risikomanagement und Bonitätsbewertung

Risikometrik	Wert
Quote der notleidenden Kredite	0.72%
Kreditausfallreserve	18,6 Millionen US-Dollar
Nettoabbuchungssatz	0.35%

Kundenbeziehungsmanagement

Zu den Kennzahlen zur Kundenbindung gehören:

• Gesamtzahl der Kundenkonten: 84.600
• Digital-Banking-Nutzer: 62 % des gesamten Kundenstamms
• Kundenzufriedenheitsbewertung: 4,3/5
• Durchschnittliche Kundenbindungsrate: 87,5 %

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Schlüsselressourcen

Etablierte Bankinfrastruktur

Seit dem vierten Quartal 2023 betreibt Provident Financial Holdings, Inc. 23 Full-Service-Filialen in ganz Südkalifornien. Das gesamte physische Bankvermögen beläuft sich auf 4,2 Milliarden US-Dollar.

Infrastrukturanlage	Menge/Wert
Gesamtzahl der Bankfilialen	23
Gesamtes physisches Bankvermögen	4,2 Milliarden US-Dollar
Primäre Serviceregion	Südkalifornien

Starke regionale Marktpräsenz

Aufschlüsselung der Marktanteile:

• Bankenmarkt Südkalifornien: 2,7 %
• Marktanteil von Riverside County: 5,4 %
• Marktanteil des San Bernardino County: 4,8 %

Erfahrenes Finanzmanagement-Team

Zusammensetzung des Managementteams:

• Durchschnittliche Amtszeit der Führungskräfte: 15,3 Jahre
• Leitende Führungskraft mit insgesamt 127 Jahren Bankerfahrung

Digitale Banking-Technologiesysteme

Digitale Plattform	Benutzermetriken
Online-Banking-Benutzer	87,500
Mobile-Banking-App-Downloads	62,300
Jährliches digitales Transaktionsvolumen	3,2 Millionen

Robustes Kreditportfolio und Finanzkapital

Zusammensetzung des Kreditportfolios (4. Quartal 2023):

• Gesamtkredite: 3,87 Milliarden US-Dollar
• Wohnimmobilienkredite: 2,45 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 892 Millionen US-Dollar
• Verbraucherkredite: 483 Millionen US-Dollar

Kernkapitalquote: 14,2 % Liquiditätsdeckungsquote: 135 %

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bedient Provident Financial Holdings, Inc. sieben Bezirke in Kalifornien mit einem Netzwerk von 23 Bankfilialen. Die Gesamtaktiva der Bank beliefen sich zum 31. Dezember 2023 auf 3,68 Milliarden US-Dollar.

Community-Banking-Kennzahlen	Daten für 2023
Gesamtzahl der Bankfilialen	23
Landkreise bedient	7
Gesamtvermögen	3,68 Milliarden US-Dollar

Wettbewerbsfähige Hypotheken- und Kreditzinsen

Im Jahr 2023 bot Provident Financial die folgenden wettbewerbsfähigen Kreditzinsen an:

Darlehenstyp	Zinsspanne
30-jährige Festhypothek	6.25% - 7.15%
15-jährige Festhypothek	5.50% - 6.35%
Privatkredite	8.99% - 12.99%

Beziehungsbasierte Finanzdienstleistungen

Provident Financial meldete im Jahr 2023 insgesamt 85.672 Einlagenkonten mit einem durchschnittlichen Kontostand von 47.300 US-Dollar.

• Gesamtzahl der Einlagenkonten: 85.672
• Durchschnittlicher Kontostand: 47.300 $
• Kundenbindungsrate: 78,4 %

Schnelle und effiziente Kreditbearbeitung

Im Jahr 2023 bearbeitete die Bank 12.456 Kreditanträge mit einer durchschnittlichen Bearbeitungszeit von 7,2 Werktagen.

Kennzahlen zur Kreditbearbeitung	Daten für 2023
Gesamtzahl der Kreditanträge	12,456
Durchschnittliche Bearbeitungszeit	7,2 Werktage
Kreditgenehmigungsrate	62.3%

Umfassende Finanzproduktangebote

Provident Financial bietet eine vielfältige Palette an Finanzprodukten:

• Girokonten
• Sparkonten
• Hypothekendarlehen
• Privatkredite
• Geschäftsbankdienstleistungen
• Online- und Mobile-Banking

Der Nettozinsertrag für 2023 belief sich auf 129,4 Millionen US-Dollar, was einem Anstieg von 6,2 % gegenüber dem Vorjahr entspricht.

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankberatung

Provident Financial Holdings bietet über sein Netzwerk personalisierte Bankberatungen an 12 Filialen hauptsächlich in Kalifornien. Ab 2023 behauptet die Bank Gesamtvermögen: 1,47 Milliarden US-Dollar mit engagierten Kundenbetreuern.

Beratungstyp	Durchschnittliche Dauer	Kundensegmente
Individuelles Banking	45 Minuten	Persönliche Kontoinhaber
Geschäftsbanking	60 Minuten	Kleine bis mittlere Unternehmen
Vermögensverwaltung	90 Minuten	Vermögende Privatpersonen

Online- und Mobile-Banking-Plattformen

Zu den digitalen Bankkanälen gehören:

• Mobile-Banking-App mit 98,2 % Verfügbarkeit
• Unterstützung der Online-Banking-Plattform 3.500 aktive digitale Nutzer
• Echtzeit-Transaktionsüberwachung

Kundensupport und Beratungsdienste

Kundensupport-Kennzahlen für 2023:

Support-Kanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheitsrate
Telefonsupport	7,5 Minuten	92%
E-Mail-Support	24 Stunden	87%
Live-Chat	3,2 Minuten	95%

Treueprogramme für Langzeitkunden

Statistiken zum Treueprogramm:

• 2.100 aktive Mitglieder des Treueprogramms
• Zu den Prämien zählen reduzierte Gebühren und Vorzugszinsen
• Gestaffelte Mitgliedschaft basierend auf Kontolaufzeit und Kontostand

Community-orientierter Beziehungsaufbau

Kennzahlen zum Community-Engagement für 2023:

• 275.000 US-Dollar wurden in lokale Gemeinschaftsprogramme investiert
• Gesponsert 17 lokale Veranstaltungen
• Partnerschaft mit 6 regionale gemeinnützige Organisationen

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt Provident Financial Holdings, Inc. 25 physische Bankfilialen in ganz Südkalifornien.

Standorttyp	Anzahl der Filialen	Geografische Abdeckung
Retail-Banking-Standorte	25	Südkalifornien
Full-Service-Filialen	22	Primäre Servicebereiche
Filialen mit eingeschränktem Service	3	Sekundärmärkte

Online-Banking-Website

Provident Financial Holdings unterhält eine umfassende Online-Banking-Plattform mit folgenden Funktionen:

• Sicherer Kontozugriff
• Online-Rechnungszahlung
• Geldtransfers
• E-Kontoauszüge
• Kontoverwaltungstools

Online-Banking-Metrik	Daten für 2024
Aktive Online-Banking-Benutzer	48,375
Monatliche Website-Transaktionen	287,500

Mobile-Banking-Anwendung

Die Mobile-Banking-App bietet erweiterte digitale Banking-Funktionen.

Mobile-App-Statistik	Zahlen für 2024
Gesamtzahl der App-Downloads	35,620
Monatlich aktive Benutzer	26,450

Telefonbanking-Dienste

Provident Financial bietet rund um die Uhr telefonischen Banking-Support mit speziellen Kundendienstleitungen.

Telefonbanking-Metrik	Daten für 2024
Kundendienstmitarbeiter	42
Durchschnittliches tägliches Anrufvolumen	1,275

Finanzintermediäre Dritter

Provident Financial arbeitet mit mehreren Finanzdienstleistungspartnern zusammen.

Vermittlertyp	Anzahl der Partner
Hypothekenmakler	37
Finanzberater	52
Versicherungsanbieter	18

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Kundensegmente

Lokale Hypothekendarlehensnehmer

Ab dem 4. Quartal 2023 bedient Provident Financial Holdings Hypothekennehmer von Wohnimmobilien in Kalifornien mit den folgenden Leistungen: profile:

Segmentcharakteristik	Statistische Daten
Durchschnittliche Kredithöhe	$567,890
Mittlerer Kredit-Score	720
Geografischer Fokus	Südkalifornien

Kleine bis mittlere Unternehmen

Provident Financial Holdings richtet sich mit spezialisierten Bankdienstleistungen an KMU:

• Gesamtes KMU-Kreditportfolio: 214,5 Millionen US-Dollar
• Durchschnittliche Höhe eines Geschäftskredits: 385.000 $
• Belieferte Branchen:
  • Einzelhandel
  • Professionelle Dienstleistungen
  • Gesundheitswesen
  • Technologie

Privatkunden im Privatkundengeschäft

Kennzahlen zum Kundensegment	Daten für 2023
Gesamtzahl der persönlichen Girokonten	47,890
Gesamtzahl der Sparkonten	36,542
Durchschnittliches Kundenalter	42 Jahre

Gewerbliche Immobilieninvestoren

Das Gewerbeimmobiliensegment von Provident umfasst:

• Gesamtportfolio an Gewerbeimmobilienkrediten: 612,3 Millionen US-Dollar
• Durchschnittlicher Kredit für als Finanzinvestition gehaltene Immobilien: 1,8 Millionen US-Dollar
• Immobilientypen:
  • Mehrfamilienhaus
  • Bürogebäude
  • Einzelhandelskomplexe

Vermögende Privatpersonen in der Region Kalifornien

Segmentcharakteristik	Statistik 2023
Gesamtzahl der vermögenden Kunden	2,345
Durchschnittliches Nettovermögen des Kunden	4,2 Millionen US-Dollar
Vermögensverwaltungsvermögen	387,6 Millionen US-Dollar

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Dem Jahresbericht 2022 zufolge meldete Provident Financial Holdings, Inc. einen Gesamtaufwand für Vergütung und Leistungen an Arbeitnehmer in Höhe von 24,3 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Grundgehälter	16,750,000
Krankenversicherung	3,450,000
Altersvorsorgeleistungen	2,350,000
Leistungsprämien	1,750,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 7,2 Millionen US-Dollar.

• Wartung der IT-Hardware: 2,5 Millionen US-Dollar
• Softwarelizenzierung: 1,8 Millionen US-Dollar
• Cybersicherheitssysteme: 1,4 Millionen US-Dollar
• Netzwerkinfrastruktur: 1,5 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2022 auf 5,6 Millionen US-Dollar.

Compliance-Bereich	Kosten ($)
Rechtsberatungsdienste	2,100,000
Prüfung und Berichterstattung	1,800,000
Zulassungsgebühren	900,000
Compliance-Schulung	800,000

Betriebskosten der Filiale

Die gesamten Betriebskosten der Filiale beliefen sich im Jahr 2022 auf 12,4 Millionen US-Dollar.

• Miete und Einrichtungen: 5,6 Millionen US-Dollar
• Versorgungsleistungen: 1,8 Millionen US-Dollar
• Filialausrüstung: 2,3 Millionen US-Dollar
• Zweigstellensicherheit: 1,7 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 6,5 Millionen US-Dollar.

Marketingkanal	Ausgaben ($)
Digitales Marketing	2,750,000
Traditionelle Werbung	1,950,000
Kundenempfehlungsprogramme	850,000
Gemeinschaftspatenschaften	950,000

Provident Financial Holdings, Inc. (PROV) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Hypothekendarlehen

Im vierten Quartal 2023 meldete Provident Financial Holdings, Inc. einen Gesamtzinsertrag von 47,3 Millionen US-Dollar aus Hypothekendarlehensaktivitäten.

Einnahmequelle	Betrag ($)	Prozentsatz des Gesamtumsatzes
Hypothekendarlehen für Wohnimmobilien	37,500,000	79.2%
Gewerbliche Hypothekendarlehen	9,800,000	20.8%

Gebühren für Bankdienstleistungen

Bankdienstleistungsgebühren generierten im Geschäftsjahr 2023 einen Umsatz von 6,2 Millionen US-Dollar.

• Kontoführungsgebühren: 2,1 Millionen US-Dollar
• Gebühren für die Transaktionsbearbeitung: 1,8 Millionen US-Dollar
• Gebühren für Geldautomaten und elektronisches Banking: 1,3 Millionen US-Dollar
• Andere Bankdienstleistungen: 1,0 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte beliefen sich im Jahr 2023 auf insgesamt 3,5 Millionen US-Dollar.

Anlageprodukt	Provisionseinnahmen ($)
Investmentfonds	1,500,000
Produkte zur Altersvorsorge	1,200,000
Vermögensverwaltungsdienstleistungen	800,000

Gebühren für die Kreditvergabe

Die Kreditvergabegebühren erreichten im Geschäftsjahr 2023 5,6 Millionen US-Dollar.

• Vergabe von Wohnbaudarlehen: 3,8 Millionen US-Dollar
• Vergabe kommerzieller Kredite: 1,8 Millionen US-Dollar

Nettozinsspanne aus Finanzprodukten

Die Nettozinsmarge für 2023 wurde mit 3,45 % berechnet, was einen Nettozinsertrag von 22,1 Millionen US-Dollar generiert.

Kategorie „Finanzprodukt“.	Nettozinsertrag ($)	Nettozinsspanne (%)
Kreditportfolio	18,700,000	3.62%
Anlagewertpapiere	3,400,000	2.85%

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Value Propositions

Community-focused, personalized relationship banking is the core approach for Provident Financial Holdings, Inc., serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California.

Provident Financial Holdings, Inc. offers comprehensive deposit products for consumers and businesses, with Total Deposits reported at $901.3 million as of March 31, 2025. The operational strategy includes improving the composition of the deposit base by reducing reliance on retail time deposits.

Local expertise is concentrated in the Southern California Inland Empire market, where the Corporation primarily operates. The loan portfolio as of September 30, 2025, showed geographical dispersion: 20% in the Inland Empire, 43% in other parts of Southern California, and 37% in other states.

Diverse lending options are centered on real estate, with the loan portfolio being 90% of the company's balance sheet, and 92% of loans being residential mortgages. The lending mix focuses on single-family, multi-family, and commercial real estate loans. The split for residential mortgages is approximately 55/45% to single-family and multi-family borrowers. During the first quarter of fiscal 2026, loan originations for investment totaled $29.6 million.

Financial stability is evidenced by a low non-performing loan ratio, reported at 0.14% in Fiscal Year 2025. The non-performing assets to total assets ratio was 0.11% at March 31, 2025.

Key financial and asset quality metrics for Provident Financial Holdings, Inc. as of recent 2025 reporting periods include:

Metric	Value	Date/Period
Non-Performing Loans Ratio	0.14%	FY 2025
Non-Performing Assets to Total Assets Ratio	0.11%	March 31, 2025
Total Deposits	$901.3 million	March 31, 2025
Loan Portfolio in Inland Empire	20%	September 30, 2025
Residential Mortgage Loans Percentage of Total Loans	92%	Late 2025
Net Interest Margin (NIM)	2.93%	FY 2025

The lending portfolio composition includes specific loan types:

• Single-family loans
• Multi-family loans
• Commercial real estate loans

The bank's operations involve accepting deposits from communities surrounding its full-service offices.

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Customer Relationships

For Provident Financial Holdings, Inc. (PROV), the relationship focus is deeply rooted in its identity as the holding company for Provident Savings Bank, F.S.B., serving consumers and small to mid-sized businesses specifically within the Inland Empire region of Southern California. This localized approach is the bedrock of their customer relationship strategy.

Dedicated, long-term relationship management (relationship banking)

The strategy here centers on becoming the primary financial partner for local entities, which is evident in their business focus. The bank actively works to 'intensify customer relationships' and grow lending portfolios, as noted in their strategic direction. This relationship-first model aims for longevity, which supports the overall financial health reflected in the fiscal year 2025 results, where Net Income reached $6.26 million and Diluted Earnings Per Share was $0.93 for the full year ended June 30, 2025.

• Focus on community banking and mortgage banking services.
• Emphasis on growing commercial business and consumer lending relationships.
• Cross-business referrals are boosted to broaden service offerings.

Personalized service through local branch staff

Personalization is delivered through a focused physical footprint. As of December 31, 2024, the Bank operated 13 retail/business banking offices concentrated in Riverside County and San Bernardino County. This limited geographic scope allows staff to develop deep, localized knowledge, which is key for delivering the personalized service you expect from a community bank. The goal is to provide an in-person experience with knowledgeable bankers assisting local residents with their banking and lending needs.

Automated self-service via digital and online banking channels

While the core strength lies in local presence, Provident Financial Holdings, Inc. supports customer interactions through digital channels. The bank offers online banking as a standard service component alongside its physical offices. Although specific metrics on digital adoption rates or transaction volumes via these channels for late 2025 aren't public, the expectation is that these platforms handle routine inquiries and transactions, freeing up local branch staff for more complex, relationship-driven activities.

Transactional service for basic deposit and loan products

The transactional aspect is supported by the scale of customer funds managed and deployed. The Bank's community banking operations are centered on accepting deposits and investing those funds into local loans. By December 31, 2024, Total Deposits stood at $867.5 Million. The deployment of these funds into the local economy is shown by Loans Held for Investment reaching $1.05 Billion at the same date. This balance sheet activity directly reflects the volume of transactional relationships maintained with consumers and small to mid-sized businesses.

Here's a quick look at the scale of customer-related financial activity as of late 2024/early 2025:

Metric	Amount/Value (as of late 2024/early 2025)
Retail/Business Banking Offices	13
Total Deposits (Dec 31, 2024)	$867.5 Million
Loans Held for Investment (Dec 31, 2024)	$1.05 Billion
Net Interest Margin (FY 2025 TTM)	2.93%
Non-Performing Loans to Total Assets (June 30, 2025)	0.14%

The quality of these transactional relationships is strong; the Non-Performing Loans ratio was reported at a low 0.14% as of June 30, 2025. If you're looking at the efficiency of these customer relationships in generating profit, the Cost-to-income ratio for the trailing twelve months ending June 30, 2025, was 79.0%.

Finance: draft 13-week cash view by Friday.

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Channels

You're looking at how Provident Financial Holdings, Inc. gets its value proposition-community-focused banking and lending in Southern California's Inland Empire-to its customers. The channel mix here is a classic blend of physical presence and necessary digital tools, which is key for a regional savings bank.

The physical footprint remains central to Provident Financial Holdings, Inc.'s strategy, especially for relationship-based lending and deposit gathering within its core markets of Riverside County and San Bernardino County.

• Full-service retail banking centers: As of the end of 2024, Provident Savings Bank operated 13 retail/business banking offices.
• Loan production offices for market expansion: The use of dedicated loan production offices supports targeted growth outside the immediate branch footprint, though the exact count isn't publicly itemized in the latest filings.
• Online and mobile banking platforms (digital channel): This is the necessary complement to the physical network, handling routine transactions for a customer base whose TTM revenue for Provident Financial Holdings, Inc. reached $39.22 Million USD in 2025.
• ATMs and telephone banking services: These provide essential 24/7 access points for basic customer needs.

Here's a quick look at how the physical channels relate to the bank's recent scale. Remember, the Q1 Fiscal 2026 Net Income was $1.68 million, showing the operational output from these channels in the period ending September 2025.

Channel Type	Status/Count (Latest Available)	Geographic Focus	Role in Business Model
Full-Service Retail Banking Centers	13 locations (as of December 31, 2024)	Riverside County and San Bernardino County (Inland Empire)	Primary point for deposit gathering and complex relationship management.
Loan Production Offices	Not explicitly quantified	Market expansion areas	Dedicated origination for loans held for investment.
Online and Mobile Banking	Usage metrics not specified	All customers	Supports digital self-service and transaction processing.
ATMs and Telephone Banking	Not explicitly quantified	All customers	Provides basic, immediate access to funds and account information.

The strategy clearly leans on the physical offices to anchor community trust, which is vital for a federally chartered savings bank like Provident Savings Bank, F.S.B. Still, the digital channels must be efficient enough to support the overall revenue generation that feeds into results like the $1.68 million net income reported for the first quarter of fiscal 2026.

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Customer Segments

You're looking at the core clientele for Provident Financial Holdings, Inc. (PROV), which is deeply rooted in its local operating area. The bank's primary commitment is to the economic engine of its defined territory.

Consumers and individuals in the Inland Empire region of Southern California

This segment represents the retail banking base. Provident Savings Bank, F.S.B., the operating subsidiary, accepts deposits from customers in the communities surrounding its offices. As of June 30, 2025, the total deposits base stood at $888.8 Million. The bank operates 13 retail/business banking offices across Riverside County and San Bernardino County, which constitute the Inland Empire region. The company offers deposit products like checking, savings, money market, and time deposit accounts to these individuals.

Small to mid-sized businesses (SMBs) in the local area

Provident Financial Holdings, Inc. is committed to serving small to mid-sized businesses in the Inland Empire region. For these businesses, the bank provides commercial banking services including lines of credit, term loans, treasury management, and other cash-management services. The lending activities for this group fall under commercial business loans and construction loans, which are part of the overall loan portfolio of $1.05 Billion as of June 30, 2025.

Commercial real estate investors and developers

This group is served through specialized lending products. The Bank originates and purchases loans secured by commercial real estate and construction projects. The total assets of Provident Financial Holdings, Inc. were approximately $1.26 billion as of March 31, 2025, a significant portion of which is tied up in these asset classes through its loan portfolio.

The composition of the lending to these segments, based on the Bank's activities, is summarized below:

Loan/Asset Category	Relevant Financial Metric/Amount	Date/Period
Total Loan Portfolio	$1.05 Billion	June 30, 2025
Total Assets	$1.26 billion	March 31, 2025
Total Deposits	$888.8 Million	June 30, 2025
Number of Banking Offices in Inland Empire	13	As of June 30, 2025

Institutional investors (via common stock ownership)

This segment engages with Provident Financial Holdings, Inc. through the ownership of its common stock on the NASDAQ-GS exchange. The company repurchased 285,170 shares of its common stock in fiscal 2025 at an average cost of $15.04 per share. As of April 30, 2025, there were 6,621,150 shares of common stock outstanding. The market capitalization was $100.03M as of December 3, 2025.

The services offered to this investor class include:

• Ownership of common stock (Ticker: PROV)
• Receipt of Annualized Dividend of $0.56
• Participation in stock repurchase programs
• Access to SEC filings and earnings reports

Finance: draft 13-week cash view by Friday.

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Cost Structure

You're looking at the hard numbers that drive Provident Financial Holdings, Inc.'s operating costs as of late 2025. For a smaller institution like Provident Financial Holdings, Inc., managing the cost of funds and overhead is absolutely critical to maintaining profitability, especially when non-interest expenses are trending up.

Interest Expense on Deposits and Borrowings (Cost of Funds)

The cost of funding your assets-your deposits and borrowings-is a primary expense. For Provident Financial Holdings, Inc., this cost has been volatile with interest rate movements. Looking at the first three quarters of Fiscal Year 2025, here's how the interest expense on borrowings (primarily Federal Home Loan Bank advances) looked:

Period Ended (FY2025)	Interest Expense on Borrowings (in millions)	Year-over-Year Change
March 31, 2025 (Q1)	\$2.64 million	Up 14 percent
June 30, 2025 (Q2)	\$2.59 million	Down 1 percent
September 30, 2025 (Q3)	\$2.47 million	Down 4 percent

Interest expense on deposits also saw a significant jump early in the fiscal year; for the quarter ended March 31, 2025, it was \$2.82 million, a 50 percent increase from the prior year period. The trend for borrowings suggests a slight reduction in borrowing cost expense later in the year, which is a positive sign for the cost structure.

General & Administrative Costs

General & Administrative costs represent a substantial fixed overhead. For the trailing twelve months ending around September 2025, Provident Financial Holdings, Inc.'s General & Administrative costs were reported at \$25.8 million. Honestly, that figure alone accounted for about 77% of the company's total reported expenses over that period. That's a big chunk of the cost base you need to watch.

Salaries and Employee Benefits (a rising non-interest expense)

Salaries and employee benefits have been a consistent driver of rising non-interest expenses throughout the first three quarters of FY2025. Each reported quarter showed year-over-year increases attributed to this line item:

• The increase in Q1 FY2025 was due to higher employee compensation and incentive compensation.
• The increase in Q2 FY2025 was due to higher compensation expenses, retirement plan benefit expenses, and executive search agency costs.
• The increase in Q3 FY2025 was primarily attributable to higher salaries and employee benefits and other operating expenses year-over-year.

It looks like personnel costs are definitely putting upward pressure on the overall expense base.

Occupancy and Equipment Expenses for 13 Branches

Provident Financial Holdings, Inc. conducts its community banking operations through its branch network. As of March 31, 2025, the Bank operated 13 retail/business banking offices in Riverside County and San Bernardino County (Inland Empire). While specific occupancy expense data for Provident Financial Holdings, Inc. for the full year 2025 wasn't immediately clear, the sequential reporting showed a positive trend: non-interest expense in the third quarter of FY2025 included decreases in premises and occupancy expenses compared to the second quarter of FY2025.

Regulatory Compliance and Technology Costs

Specific, isolated figures for regulatory compliance and technology costs for Provident Financial Holdings, Inc. (PROV) in FY2025 weren't explicitly broken out in the same way as the other line items. However, technology costs are often embedded within General & Administrative or other operating expenses. For context from the larger entity, Provident Financial Services, Inc., data processing expenses-a good proxy for core technology-increased significantly in late 2024 due to software and hardware additions related to the Lakeland merger. You should expect ongoing, non-trivial costs here to maintain compliance with banking regulations and keep systems current.

Finance: draft 13-week cash view by Friday.

Provident Financial Holdings, Inc. (PROV) - Canvas Business Model: Revenue Streams

You're looking at the core ways Provident Financial Holdings, Inc. brings in money, which is heavily weighted toward traditional banking activities as of late 2025. Honestly, for a bank holding company, it all boils down to the spread between what they earn on assets and what they pay for liabilities, plus the fees they charge.

The primary revenue driver is Net Interest Income from loan and investment securities portfolios. This is the difference between the interest earned on loans and securities and the interest paid on deposits and borrowings. For the first quarter ended September 30, 2025, Provident Financial Holdings, Inc. reported net interest income was USD 8.93 million. This compares to USD 8.62 million reported for the first quarter ended September 30, 2024.

Looking at the full picture for the most recent fiscal year, the Total Revenue for FY 2025 was \$39.7 million, which was primarily derived from the Banking segment. This represented a 1.9% increase from FY 2024. The Trailing Twelve Month (TTM) revenue as of November 2025 was reported slightly differently at \$39.22 Million USD.

The revenue streams can be broken down into the interest-earning components and the non-interest income components. Here's a quick look at the components we have data for, using the first quarter of fiscal 2025 (ended September 30, 2024) as an example of the underlying activity:

Revenue Component	Amount (Q1 FY 2025)
Net Interest Income	\$8.62 million
Non-Interest Income	\$899,000
Interest Income from Investment Securities	\$482,000

The Interest income from investment securities for the first quarter of fiscal 2025 was \$482,000. This figure saw a decrease of eight percent, or \$42,000, compared to the same quarter last year. The average balance of investment securities decreased by \$24.1 million, or 16 percent, to \$129.6 million in that quarter.

Non-interest income from service charges and fees falls under the broader category of Non-Interest Income. For the first quarter of fiscal 2025, total Non-Interest Income increased by 20 percent, or \$148,000, reaching \$899,000, primarily due to a net fair value adjustment on unsalable loans. This indicates that while fee income is a source, specific fee line items aren't detailed in the latest summaries, but the overall non-interest component is growing.

Regarding Loan origination and servicing fees, the data shows significant activity in the loan book, which is the source of future interest income and potential fees. Total loans originated for investment in the first quarter of fiscal 2025 were \$28.9 million, which was up 56 percent from the prior year's first quarter. The loan portfolio stood at \$1.06 billion as of March 31, 2025.

You can see the composition of the interest-earning assets that generate the Net Interest Income:

• Average balance of loans receivable decreased in Q1 FY 2025 compared to the prior year.
• Average balance of investment securities was \$129.6 million in Q1 FY 2025.
• Average balance of interest-earning deposits was \$26.3 million in Q1 FY 2025.

The overall average balance of interest-earning assets decreased four percent to \$1.22 billion in the first quarter of fiscal 2025.