Provident Financial Holdings, Inc. (PROV): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Descubra el plan estratégico detrás de Provident Financial Holdings, Inc. (Prov), una institución financiera dinámica que ha entrelazado magistralmente soluciones bancarias innovadoras y servicios centrados en la comunidad. Ubicado en el vibrante mercado de California, Prov ha creado un lienzo de modelo de negocio único que transforma los paradigmas bancarios tradicionales, ofreciendo experiencias financieras personalizadas que resuenan con los clientes locales al tiempo que mantienen una robusta infraestructura tecnológica y asociaciones estratégicas. Desde préstamos hipotecarios hasta servicios bancarios integrales, esta potencia financiera demuestra cómo un modelo comercial bien estructurado puede crear propuestas de valor convincentes en el panorama bancario competitivo.

Provident Financial Holdings, Inc. (Prov) - Modelo de negocios: asociaciones clave

Bancos locales y cooperativas de crédito para las asociaciones de préstamos

A partir de 2024, Provident Financial Holdings mantiene asociaciones de préstamos estratégicos con las siguientes instituciones financieras locales:

Institución asociada	Tipo de asociación	Volumen de préstamo (2023)
First Savings Bank	Colaboración de préstamos hipotecarios	$ 42.3 millones
Cooperativa comunitaria	Sindicación de préstamos personales	$ 18.7 millones
Banco cooperativo regional	Red de préstamos comerciales	$ 29.5 millones

Empresas de inversión inmobiliaria

Provident Financial Holdings colabora con socios clave de inversión inmobiliaria:

• Inversiones inmobiliarias de Pacific Coast
• Grupo de propiedades del Medio Oeste
• Southwest Capital Real Estate Partners

Corredores hipotecarios y creadores de préstamos

Las asociaciones estratégicas incluyen:

Pareja	Volumen de origen de préstamo anual	Cobertura geográfica
National Mortgage Solutions	$ 215.6 millones	California, Nevada, Arizona
Red de préstamos de piedra angular	$ 147.3 millones	Estados Unidos occidental

Proveedores de seguros

Las asociaciones complementarias de servicio financiero incluyen:

• Compañía de seguros de vida de Guardian
• Seguro de granja estatal
• Servicios financieros a nivel nacional

Proveedores de tecnología

Asociaciones de tecnología de plataforma de banca digital:

Socio tecnológico	Servicio proporcionado	Valor de contrato
Soluciones de fiserv	Plataforma bancaria central	$ 4.2 millones anuales
Jack Henry & Asociado	Infraestructura bancaria digital	$ 3.7 millones anuales
Salesforce Financial Services Cloud	Gestión de la relación con el cliente	$ 2.5 millones anuales

Provident Financial Holdings, Inc. (Prov) - Modelo de negocio: actividades clave

Préstamo y origen hipotecario

A partir del cuarto trimestre de 2023, Provident Financial Holdings, Inc. originó $ 98.4 millones en préstamos hipotecarios residenciales. El desglose de la cartera de préstamos hipotecarios de la compañía incluye:

Tipo de préstamo	Volumen total	Porcentaje
Hipotecas convencionales	$ 62.3 millones	63.3%
Préstamos de la FHA	$ 24.1 millones	24.5%
Préstamos de VA	$ 12.0 millones	12.2%

Servicios de banca minorista y comercial

Provident Financial Holdings proporciona servicios bancarios integrales con las siguientes métricas clave:

• Activos totales: $ 1.42 mil millones al 31 de diciembre de 2023
• Depósitos totales: $ 1.16 mil millones
• Número de ramas bancarias: 12 ubicaciones en el sur de California
• Portafolio de préstamos comerciales: $ 356.4 millones

Desarrollo de productos financieros

El desarrollo de productos de la compañía se centra en:

• Cuentas corrientes que ponen intereses
• Cuentas del mercado monetario
• Ofertas de certificado de depósito (CD)
• Productos de préstamos para pequeñas empresas

Gestión de riesgos y evaluación de crédito

Métrico de riesgo	Valor
Relación de préstamos sin rendimiento	0.72%
Reserva de pérdida de préstamo	$ 18.6 millones
Tasa de carga neta	0.35%

Gestión de la relación con el cliente

Las métricas de participación del cliente incluyen:

• Cuentas totales de clientes: 84,600
• Usuarios de banca digital: 62% de la base total de clientes
• Calificación de satisfacción del cliente: 4.3/5
• Tasa promedio de retención de clientes: 87.5%

Provident Financial Holdings, Inc. (Prov) - Modelo de negocio: recursos clave

Infraestructura bancaria establecida

A partir del cuarto trimestre de 2023, Provident Financial Holdings, Inc. opera 23 sucursales de servicio completo en todo el sur de California. Activos bancarios físicos totales valorados en $ 4.2 mil millones.

Activo de infraestructura	Cantidad/valor
Sucursales bancarias totales	23
Activos bancarios físicos totales	$ 4.2 mil millones
Región de servicio primario	Sur de California

Fuerte presencia en el mercado regional

Desglose de la cuota de mercado:

• Mercado bancario del sur de California: 2.7%
• Cuota de mercado del condado de Riverside: 5.4%
• Cuota de mercado del condado de San Bernardino: 4.8%

Equipo experimentado de gestión financiera

Composición del equipo de gestión:

• Promedio de tenencia ejecutiva: 15.3 años
• Liderazgo senior con 127 años combinados de experiencia bancaria

Sistemas de tecnología bancaria digital

Plataforma digital	Métricas de usuario
Usuarios bancarios en línea	87,500
Descargas de aplicaciones de banca móvil	62,300
Volumen anual de transacción digital	3.2 millones

Cartera de préstamos robusta y capital financiero

Composición de cartera de préstamos (cuarto trimestre 2023):

• Préstamos totales: $ 3.87 mil millones
• Préstamos inmobiliarios residenciales: $ 2.45 mil millones
• Préstamos inmobiliarios comerciales: $ 892 millones
• Préstamos al consumo: $ 483 millones

Relación de capital de nivel 1: 14.2% Relación de cobertura de liquidez: 135%

Provident Financial Holdings, Inc. (Prov) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Provident Financial Holdings, Inc. atiende a 7 condados en California con una red de 23 sucursales bancarias. Los activos totales del banco fueron de $ 3.68 mil millones al 31 de diciembre de 2023.

Métricas bancarias comunitarias	2023 datos
Ramas bancarias totales	23
Condados atendidos	7
Activos totales	$ 3.68 mil millones

Tasas de hipoteca y préstamo competitivos

En 2023, Provident Financial ofreció las siguientes tasas de préstamo competitivas:

Tipo de préstamo	Rango de tasas de interés
Hipoteca fija a 30 años	6.25% - 7.15%
Hipoteca fija a 15 años	5.50% - 6.35%
Préstamos personales	8.99% - 12.99%

Servicios financieros basados ​​en relaciones

Provident Financial reportó 85,672 cuentas de depósito total en 2023, con un saldo de cuenta promedio de $ 47,300.

• Cuentas de depósito total: 85,672
• Saldo promedio de la cuenta de depósito: $ 47,300
• Tasa de retención de clientes: 78.4%

Procesamiento de préstamos rápido y eficiente

El banco procesó 12,456 solicitudes de préstamos en 2023, con un tiempo de procesamiento promedio de 7.2 días hábiles.

Métricas de procesamiento de préstamos	2023 datos
Solicitudes de préstamo totales	12,456
Tiempo de procesamiento promedio	7.2 días hábiles
Tasa de aprobación del préstamo	62.3%

Ofertas integrales de productos financieros

Provident Financial proporciona una amplia gama de productos financieros:

• Cuentas corrientes
• Cuentas de ahorro
• Préstamos hipotecarios
• Préstamos personales
• Servicios de banca de negocios
• Banca en línea y móvil

Los ingresos por intereses netos para 2023 fueron de $ 129.4 millones, lo que representa un aumento del 6.2% respecto al año anterior.

Provident Financial Holdings, Inc. (Prov) - Modelo de negocio: relaciones con los clientes

Consultas bancarias personales

Provident Financial Holdings proporciona consultas bancarias personalizadas a través de su red de 12 ubicaciones de ramas Principalmente en California. A partir de 2023, el banco mantiene $ 1.47 mil millones en activos totales con gerentes de relaciones con el cliente dedicados.

Tipo de consulta	Duración promedio	Segmentos de cliente
Banca individual	45 minutos	Titulares de cuentas personales
Banca de negocios	60 minutos	Empresas pequeñas a medianas
Gestión de patrimonio	90 minutos	Individuos de alto nivel de red

Plataformas de banca en línea y móvil

Los canales bancarios digitales incluyen:

• Aplicación de banca móvil con 98.2% de tiempo de actividad
• Plataforma bancaria en línea Soporte 3.500 usuarios digitales activos
• Monitoreo de transacciones en tiempo real

Servicios de atención al cliente y asesoramiento

Métricas de atención al cliente para 2023:

Canal de soporte	Tiempo de respuesta promedio	Tasa de satisfacción del cliente
Soporte telefónico	7.5 minutos	92%
Soporte por correo electrónico	24 horas	87%
Chat en vivo	3.2 minutos	95%

Programas de fidelización para clientes a largo plazo

Estadísticas del programa de fidelización:

• 2,100 miembros del programa de fidelización activa
• Las recompensas incluyen tarifas reducidas y tasas de interés preferenciales
• Membresía escalonada basada en la tenencia y el saldo de la cuenta

Construcción de relaciones centradas en la comunidad

Métricas de participación comunitaria para 2023:

• $ 275,000 invertidos en programas comunitarios locales
• Patrocinado 17 eventos locales
• Asociado con 6 organizaciones regionales sin fines de lucro

Provident Financial Holdings, Inc. (Prov) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2024, Provident Financial Holdings, Inc. opera 25 sucursales bancarios físicos en el sur de California.

Tipo de ubicación	Número de ramas	Cobertura geográfica
Ubicaciones de banca minorista	25	Sur de California
Ramas de servicio completo	22	Áreas de servicio primarias
Ramas de servicio limitadas	3	Mercados secundarios

Sitio web de banca en línea

Provident Financial Holdings mantiene una plataforma de banca en línea integral con las siguientes características:

• Acceso seguro a la cuenta
• Pago de facturas en línea
• Transferencias de fondos
• Declaraciones electrónicas
• Herramientas de gestión de cuentas

Métrica de banca en línea	2024 datos
Usuarios bancarios en línea activos	48,375
Transacciones mensuales del sitio web	287,500

Aplicación de banca móvil

La aplicación de banca móvil proporciona capacidades de banca digital avanzadas.

Estadística de aplicaciones móviles	2024 cifras
Descargas totales de aplicaciones	35,620
Usuarios activos mensuales	26,450

Servicios de banca telefónica

Provident Financial ofrece soporte de banca telefónica 24/7 con líneas de servicio al cliente dedicadas.

Métrica de banca telefónica	2024 datos
Representantes de servicio al cliente	42
Volumen diario promedio de llamadas	1,275

Intermediarios financieros de terceros

Provident Financial colabora con múltiples socios de servicio financiero.

Tipo intermediario	Número de socios
Corredores hipotecarios	37
Asesores financieros	52
Proveedores de seguros	18

Provident Financial Holdings, Inc. (Prov) - Modelo de negocios: segmentos de clientes

Prestatarios de hipotecas residenciales locales

A partir del cuarto trimestre de 2023, Provident Financial Holdings atiende a prestatarios de hipotecas residenciales en California con los siguientes profile:

Característica de segmento	Datos estadísticos
Tamaño promedio del préstamo	$567,890
Puntaje de crédito mediano	720
Enfoque geográfico	Sur de California

Empresas pequeñas a medianas

Provident Financial Holdings se dirige a SMB con servicios bancarios especializados:

• Cartera total de préstamos de SMB: $ 214.5 millones
• Tamaño promedio del préstamo comercial: $ 385,000
• Industrias atendidas:
  • Minorista
  • Servicios profesionales
  • Cuidado de la salud
  • Tecnología

Clientes de banca minorista individual

Métricas de segmento de clientes	2023 datos
Cuentas corrientes personales totales	47,890
Cuentas de ahorro total	36,542
Edad promedio del cliente	42 años

Inversores inmobiliarios comerciales

El segmento de bienes raíces comerciales de Provident incluye:

• Cartera total de préstamos de bienes raíces comerciales: $ 612.3 millones
• Préstamo de propiedad de inversión promedio: $ 1.8 millones
• Tipos de propiedades:
  • Residencial multifamiliar
  • Edificios de oficinas
  • Complejos minoristas

Individuos de alto nivel en la región de California

Característica de segmento	2023 estadísticas
Total de los clientes de alto nivel de red	2,345
Patrimonio neto de cliente promedio	$ 4.2 millones
Activos de gestión de patrimonio	$ 387.6 millones

Provident Financial Holdings, Inc. (Prov) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

Según el informe anual de 2022, Provident Financial Holdings, Inc. reportó gastos de compensación total y beneficios para los empleados de $ 24.3 millones.

Categoría de gastos	Monto ($)
Salarios base	16,750,000
Seguro médico	3,450,000
Beneficios de jubilación	2,350,000
Bonos de rendimiento	1,750,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para 2022 totalizaron $ 7.2 millones.

• Mantenimiento de hardware de TI: $ 2.5 millones
• Licencias de software: $ 1.8 millones
• Sistemas de ciberseguridad: $ 1.4 millones
• Infraestructura de red: $ 1.5 millones

Gastos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 fueron de $ 5.6 millones.

Área de cumplimiento	Costo ($)
Servicios de asesoramiento legal	2,100,000
Auditoría e informes	1,800,000
Tarifas de presentación regulatoria	900,000
Capacitación de cumplimiento	800,000

Costos de operación de sucursal

Los gastos de operación de la sucursal total para 2022 ascendieron a $ 12.4 millones.

• Alquiler e instalaciones: $ 5.6 millones
• Utilidades: $ 1.8 millones
• Equipo de rama: $ 2.3 millones
• Seguridad de la sucursal: $ 1.7 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 fueron de $ 6.5 millones.

Canal de marketing	Gasto ($)
Marketing digital	2,750,000
Publicidad tradicional	1,950,000
Programas de referencia de clientes	850,000
Patrocinios comunitarios	950,000

Provident Financial Holdings, Inc. (Prov) - Modelo de negocios: flujos de ingresos

Ingresos de intereses de los préstamos hipotecarios

A partir del cuarto trimestre de 2023, Provident Financial Holdings, Inc. reportó ingresos por intereses totales de $ 47.3 millones de actividades de préstamos hipotecarios.

Fuente de ingresos	Monto ($)	Porcentaje de ingresos totales
Préstamos hipotecarios residenciales	37,500,000	79.2%
Préstamos hipotecarios comerciales	9,800,000	20.8%

Tarifas de servicio bancario

Las tarifas de servicio bancario generaron $ 6.2 millones en ingresos para el año fiscal 2023.

• Tarifas de mantenimiento de la cuenta: $ 2.1 millones
• Tasas de procesamiento de transacciones: $ 1.8 millones
• Cajeros automáticos y tarifas bancarias electrónicas: $ 1.3 millones
• Otros servicios bancarios: $ 1.0 millones

Comisiones de productos de inversión

Las comisiones de productos de inversión totalizaron $ 3.5 millones en 2023.

Producto de inversión	Ingresos de la Comisión ($)
Fondos mutuos	1,500,000
Productos de planificación de jubilación	1,200,000
Servicios de gestión de patrimonio	800,000

Tarifas de originación de préstamos

Las tarifas de origen del préstamo alcanzaron los $ 5.6 millones en el año fiscal 2023.

• Originación de préstamos residenciales: $ 3.8 millones
• Originación de préstamos comerciales: $ 1.8 millones

Margen de interés neto de productos financieros

El margen de interés neto para 2023 se calculó en 3.45%, generando $ 22.1 millones en ingresos por intereses netos.

Categoría de productos financieros	Ingresos de intereses netos ($)	Margen de interés neto (%)
Cartera de préstamos	18,700,000	3.62%
Valores de inversión	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.