Provident Financial Holdings, Inc. (Prov): Business Model Canvas [Jan-2025 Mis à jour]

Découvrez le plan stratégique derrière Provident Financial Holdings, Inc. (Prov), une institution financière dynamique qui a magistralement tissé des solutions bancaires innovantes et des services axés sur la communauté. Niché sur le marché californien dynamique, Prov a conçu une toile de modèle commercial unique qui transforme les paradigmes bancaires traditionnels, offrant des expériences financières personnalisées qui résonnent avec les clients locaux tout en conservant des infrastructures technologiques robustes et des partenariats stratégiques. Des prêts hypothécaires aux services bancaires complets, cette puissance financière montre comment un modèle commercial bien structuré peut créer des propositions de valeur convaincantes dans le paysage bancaire concurrentiel.

Provident Financial Holdings, Inc. (Prov) - Modèle commercial: partenariats clés

Banques locales et coopératives de crédit pour les partenariats de prêt

En 2024, Provident Financial Holdings maintient des partenariats de prêt stratégiques avec les institutions financières locales suivantes:

Institution partenaire	Type de partenariat	Volume de prêt (2023)
First Savings Bank	Collaboration des prêts hypothécaires	42,3 millions de dollars
Coopérative de crédit communautaire	Syndication des prêts personnels	18,7 millions de dollars
Banque coopérative régionale	Réseau de prêts commerciaux	29,5 millions de dollars

Sociétés d'investissement immobilier

Provident Financial Holdings collabore avec les principaux partenaires d'investissement immobilier:

• Investissements immobiliers de la côte du Pacifique
• Groupe immobilier du Midwest
• Southwest Capital Real Estate Partners

Brokers hypothécaires et créateurs de prêts

Les partenariats stratégiques comprennent:

Partenaire	Volume annuel de création de prêt	Couverture géographique
Solutions hypothécaires nationales	215,6 millions de dollars	Californie, Nevada, Arizona
Cornerstone Lending Network	147,3 millions de dollars	Occidental des États-Unis

Assureurs

Les partenariats de service financier complémentaires comprennent:

• Guardian Life Insurance Company
• Assurance agricole d'État
• Services financiers à l'échelle nationale

Vendeurs technologiques

Plateaux de plate-forme bancaire numérique Partnerships technologiques:

Partenaire technologique	Service fourni	Valeur du contrat
Solutions Fiserv	Plateforme bancaire de base	4,2 millions de dollars par an
Jack Henry & Associés	Infrastructure bancaire numérique	3,7 millions de dollars par an
Salesforce Financial Services Cloud	Gestion de la relation client	2,5 millions de dollars par an

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: Activités clés

Prêts hypothécaires et origine

Au quatrième trimestre 2023, Provident Financial Holdings, Inc. a créé 98,4 millions de dollars de prêts hypothécaires résidentiels. La répartition du portefeuille de prêts hypothécaires de la société comprend:

Type de prêt	Volume total	Pourcentage
Hypothèques conventionnelles	62,3 millions de dollars	63.3%
Prêts FHA	24,1 millions de dollars	24.5%
Prêts VA	12,0 millions de dollars	12.2%

Services de vente au détail et commerciaux

Provident Financial Holdings fournit des services bancaires complets avec les mesures clés suivantes:

• Actif total: 1,42 milliard de dollars au 31 décembre 2023
• Dépôts totaux: 1,16 milliard de dollars
• Nombre de succursales bancaires: 12 emplacements en Californie du Sud
• Portefeuille de prêts commerciaux: 356,4 millions de dollars

Développement de produits financiers

Le développement de produits de l'entreprise se concentre sur:

• Comptes chèques porteurs d'intérêt
• Comptes de marché monétaire
• Certificat de dépôt (CD)
• Produits de prêt de petite entreprise

Gestion des risques et évaluation du crédit

Métrique à risque	Valeur
Ratio de prêts non performants	0.72%
Réserve de perte de prêt	18,6 millions de dollars
Taux de redevance net	0.35%

Gestion de la relation client

Les mesures d'engagement client comprennent:

• Comptes clients totaux: 84 600
• Utilisateurs de la banque numérique: 62% de la base client totale
• Évaluation de satisfaction du client: 4.3 / 5
• Taux de rétention de clientèle moyen: 87,5%

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: Ressources clés

Infrastructure bancaire établie

Au quatrième trimestre 2023, Provident Financial Holdings, Inc. exploite 23 succursales à service complet dans le sud de la Californie. Les actifs bancaires physiques totaux évalués à 4,2 milliards de dollars.

Actif d'infrastructure	Quantité / valeur
Succursales bancaires totales	23
Actifs bancaires physiques totaux	4,2 milliards de dollars
Région de service primaire	Californie du Sud

Forte présence du marché régional

Répartition des parts de marché:

• Marché bancaire du sud de la Californie: 2,7%
• Part de marché du comté de Riverside: 5,4%
• Part de marché du comté de San Bernardino: 4,8%

Équipe de gestion financière expérimentée

Composition de l'équipe de gestion:

• Pureur exécutif moyen: 15,3 ans
• Haute haute direction avec 127 ans d'expérience bancaire combinée

Systèmes de technologie bancaire numérique

Plate-forme numérique	Métriques des utilisateurs
Utilisateurs de la banque en ligne	87,500
Téléchargements d'applications bancaires mobiles	62,300
Volume annuel de transaction numérique	3,2 millions

Portefeuille de prêts robuste et capital financier

Composition du portefeuille de prêts (Q4 2023):

• Prêts totaux: 3,87 milliards de dollars
• Prêts immobiliers résidentiels: 2,45 milliards de dollars
• Prêts immobiliers commerciaux: 892 millions de dollars
• Prêts à la consommation: 483 millions de dollars

Ratio de capital de niveau 1: 14,2% Ratio de couverture de liquidité: 135%

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Provident Financial Holdings, Inc. dessert 7 comtés en Californie avec un réseau de 23 succursales bancaires. L'actif total de la banque était de 3,68 milliards de dollars au 31 décembre 2023.

Métriques bancaires communautaires	2023 données
Branches bancaires totales	23
Les comtés servis	7
Actif total	3,68 milliards de dollars

Taux de prêt hypothécaire et de prêt concurrentiel

En 2023, Provident Financial a offert les taux de prêt compétitifs suivants:

Type de prêt	Fourchette de taux d'intérêt
Hypothèque fixe de 30 ans	6.25% - 7.15%
Hypothèque fixe de 15 ans	5.50% - 6.35%
Prêts personnels	8.99% - 12.99%

Services financiers basés sur la relation

Provident Financial a déclaré 85 672 comptes de dépôt totaux en 2023, avec un solde de compte moyen de 47 300 $.

• Comptes de dépôt total: 85 672
• Solde moyen du compte de dépôt: 47 300 $
• Taux de rétention de la clientèle: 78,4%

Traitement des prêts rapides et efficaces

La Banque a traité 12 456 demandes de prêt en 2023, avec un temps de traitement moyen de 7,2 jours ouvrables.

Métriques de traitement des prêts	2023 données
Demandes de prêt total	12,456
Temps de traitement moyen	7.2 Jours ouvrables
Taux d'approbation du prêt	62.3%

Offres complètes de produits financiers

Provident Financial fournit une gamme diversifiée de produits financiers:

• Comptes chèques
• Comptes d'épargne
• Prêts hypothécaires
• Prêts personnels
• Services bancaires d'entreprise
• Banque en ligne et mobile

Le revenu net des intérêts pour 2023 était de 129,4 millions de dollars, ce qui représente une augmentation de 6,2% par rapport à l'année précédente.

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: relations avec les clients

Consultations bancaires personnelles

Provident Financial Holdings fournit des consultations bancaires personnalisées via son réseau de 12 emplacements de succursale principalement en Californie. Depuis 2023, la banque maintient 1,47 milliard de dollars d'actifs totaux avec des gestionnaires de relations clients dédiés.

Type de consultation	Durée moyenne	Segments du client
Banque individuelle	45 minutes	Titulaires de compte personnel
Banque d'affaires	60 minutes	Petites et moyennes entreprises
Gestion de la richesse	90 minutes	Individus à haute nette

Plateformes bancaires en ligne et mobiles

Les canaux bancaires numériques comprennent:

• Application bancaire mobile avec 98,2% de disponibilité
• Plateforme bancaire en ligne Soutenir 3 500 utilisateurs numériques actifs
• Surveillance des transactions en temps réel

Support client et services de conseil

Métriques du support client pour 2023:

Canal de support	Temps de réponse moyen	Taux de satisfaction client
Support téléphonique	7,5 minutes	92%
Assistance par e-mail	24 heures	87%
Chat en direct	3,2 minutes	95%

Programmes de fidélité pour les clients à long terme

Statistiques du programme de fidélité:

• 2 100 membres du programme de fidélité active
• Les récompenses comprennent des frais réduits et des taux d'intérêt préférentiels
• Adhésion à plusieurs niveaux en fonction de la permanence et du solde

Bâtiment de relations axé sur la communauté

Métriques d'engagement communautaire pour 2023:

• 275 000 $ investis dans des programmes communautaires locaux
• Parrainé 17 événements locaux
• En partenariat avec 6 organisations régionales à but non lucratif

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, Provident Financial Holdings, Inc. exploite 25 succursales bancaires physiques dans le sud de la Californie.

Type d'emplacement	Nombre de branches	Couverture géographique
Lieux bancaires au détail	25	Californie du Sud
Branches à service complet	22	Zones de service primaires
Succursales de service limitées	3	Marchés secondaires

Site Web de banque en ligne

Provident Financial Holdings maintient une plate-forme bancaire en ligne complète avec les fonctionnalités suivantes:

• Accès sécurisé
• Paiement de facture en ligne
• Transferts de fonds
• Dispositions électroniques
• Outils de gestion des comptes

Métrique bancaire en ligne	2024 données
Utilisateurs bancaires en ligne actifs	48,375
Transactions mensuelles sur le site Web	287,500

Application bancaire mobile

L'application bancaire mobile offre des capacités de banque numérique avancées.

Statistique de l'application mobile	2024 chiffres
Total des téléchargements d'applications	35,620
Utilisateurs actifs mensuels	26,450

Services bancaires téléphoniques

Provident Financial offre un support bancaire de téléphone 24/7 avec des lignes de service client dédiées.

Métrique bancaire du téléphone	2024 données
Représentants du service à la clientèle	42
Volume moyen d'appels quotidiens	1,275

Intermédiaires financiers tiers

Provident Financial collabore avec plusieurs partenaires de service financier.

Type intermédiaire	Nombre de partenaires
Courtiers en hypothèques	37
Conseillers financiers	52
Assureurs	18

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: segments de clients

Emprunteurs d'hypothèques résidentielles locales

Au quatrième trimestre 2023, Provident Financial Holdings sert des emprunteurs hypothécaires résidentiels en Californie avec les suivants profile:

Caractéristique du segment	Données statistiques
Taille moyenne du prêt	$567,890
Cote de crédit médian	720
Focus géographique	Californie du Sud

Petites et moyennes entreprises

Provident Financial Holdings cible les PME avec des services bancaires spécialisés:

• Portefeuille total de prêts PMB: 214,5 millions de dollars
• Taille moyenne des prêts commerciaux: 385 000 $
• Industries servies:
  • Vente au détail
  • Services professionnels
  • Soins de santé
  • Technologie

Clients bancaires de détail individuels

Métriques du segment de la clientèle	2023 données
Comptes de chèques personnels totaux	47,890
Comptes d'épargne totaux	36,542
Âge du client moyen	42 ans

Investisseurs immobiliers commerciaux

Le segment de l'immobilier commercial de Provident comprend:

• Portfolio total de prêts immobiliers commerciaux: 612,3 millions de dollars
• Prêt de propriété d'investissement moyen: 1,8 million de dollars
• Types de propriétés:
  • Résidentiel multifamilial
  • Immeubles de bureaux
  • Complexes de détail

Individus à haute teneur en Californie

Caractéristique du segment	2023 statistiques
Clients totaux à forte valeur	2,345
Valeur nette moyenne du client	4,2 millions de dollars
Actifs de gestion de patrimoine	387,6 ​​millions de dollars

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

Selon le rapport annuel de 2022, Provident Financial Holdings, Inc. a déclaré une rémunération totale et des frais de prestations des employés de 24,3 millions de dollars.

Catégorie de dépenses	Montant ($)
Salaires de base	16,750,000
Assurance maladie	3,450,000
Prestations de retraite	2,350,000
Bonus de performance	1,750,000

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique pour 2022 ont totalisé 7,2 millions de dollars.

• Maintenance du matériel informatique: 2,5 millions de dollars
• Licence logicielle: 1,8 million de dollars
• Systèmes de cybersécurité: 1,4 million de dollars
• Infrastructure réseau: 1,5 million de dollars

Frais de conformité réglementaire

Les dépenses liées à la conformité pour 2022 étaient de 5,6 millions de dollars.

Zone de conformité	Coût ($)
Services de conseil juridique	2,100,000
Audit et rapport	1,800,000
Frais de dépôt réglementaire	900,000
Formation de la conformité	800,000

Coûts d'exploitation de la succursale

Les dépenses totales d'exploitation de la succursale pour 2022 s'élevaient à 12,4 millions de dollars.

• Loyer et installations: 5,6 millions de dollars
• Services publics: 1,8 million de dollars
• Équipement de succursale: 2,3 millions de dollars
• Sécurité des succursales: 1,7 million de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 étaient de 6,5 millions de dollars.

Canal de marketing	Dépenses ($)
Marketing numérique	2,750,000
Publicité traditionnelle	1,950,000
Programmes de référence client	850,000
Parrainages communautaires	950,000

Provident Financial Holdings, Inc. (Prov) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts hypothécaires

Au quatrième trimestre 2023, Provident Financial Holdings, Inc. a déclaré un revenu total d'intérêts de 47,3 millions de dollars provenant des activités de prêt hypothécaire.

Source de revenus	Montant ($)	Pourcentage du total des revenus
Prêts hypothécaires résidentiels	37,500,000	79.2%
Prêts hypothécaires commerciaux	9,800,000	20.8%

Frais de service bancaire

Les frais de service bancaire ont généré 6,2 millions de dollars de revenus pour l'exercice 2023.

• Frais de maintenance du compte: 2,1 millions de dollars
• Frais de traitement des transactions: 1,8 million de dollars
• ATM et frais bancaires électroniques: 1,3 million de dollars
• Autres services bancaires: 1,0 million de dollars

Commissions de produits d'investissement

Les commissions de produits d'investissement ont totalisé 3,5 millions de dollars en 2023.

Produit d'investissement	Revenus de commission ($)
Fonds communs de placement	1,500,000
Produits de planification de la retraite	1,200,000
Services de gestion de la patrimoine	800,000

Frais d'origine du prêt

Les frais d'origine du prêt ont atteint 5,6 millions de dollars au cours de l'exercice 2023.

• Origination du prêt résidentiel: 3,8 millions de dollars
• Origination du prêt commercial: 1,8 million de dollars

Marge d'intérêt net des produits financiers

La marge nette des intérêts pour 2023 a été calculée à 3,45%, générant 22,1 millions de dollars de revenus d'intérêts nets.

Catégorie de produits financiers	Revenu net des intérêts ($)	Marge d'intérêt net (%)
Portefeuille de prêts	18,700,000	3.62%
Titres d'investissement	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.