Provident Financial Holdings, Inc. (Prov): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Descubra o plano estratégico por trás da Provident Financial Holdings, Inc. (Prov), uma instituição financeira dinâmica que se uniu magistralmente soluções bancárias inovadoras e serviços focados na comunidade. Aninhado no vibrante mercado da Califórnia, a Prov criou uma tela única de modelo de negócios que transforma os paradigmas bancários tradicionais, oferecendo experiências financeiras personalizadas que ressoam com os clientes locais, mantendo infraestrutura tecnológica robusta e parcerias estratégicas. Desde empréstimos hipotecários até serviços bancários abrangentes, essa potência financeira demonstra como um modelo de negócios bem estruturado pode criar proposições de valor convincentes no cenário bancário competitivo.

Provident Financial Holdings, Inc. (Prov) - Modelo de Negócios: Parcerias -Chaves

Bancos locais e cooperativas de crédito para parcerias de empréstimos

A partir de 2024, a Provident Financial Holdings mantém parcerias estratégicas de empréstimos com as seguintes instituições financeiras locais:

Instituição parceira	Tipo de parceria	Volume de empréstimo (2023)
Primeiro banco de poupança	Colaboração de empréstimos hipotecários	US $ 42,3 milhões
União de Crédito Comunitário	Misticação de empréstimo pessoal	US $ 18,7 milhões
Banco Cooperativo Regional	Rede de empréstimos comerciais	US $ 29,5 milhões

Empresas de investimento imobiliário

A Provident Financial Holdings colabora com os principais parceiros de investimento imobiliário:

• Pacific Coast Real Estate Investments
• Grupo de Propriedade Midwest
• Southwest Capital Real Estate Partners

Corretores hipotecários e criadores de empréstimos

Parcerias estratégicas incluem:

Parceiro	Volume anual de originação de empréstimos	Cobertura geográfica
Soluções nacionais de hipoteca	US $ 215,6 milhões	Califórnia, Nevada, Arizona
Rede de empréstimos para Cornerstone	US $ 147,3 milhões	Oeste dos Estados Unidos

Provedores de seguros

Parcerias de serviço financeiro complementar incluem:

• Companhia de Seguro de Vida Guardião
• Seguro agrícola estadual
• Serviços financeiros em todo o país

Fornecedores de tecnologia

Digital Banking Platform Technology Partnerships:

Parceiro de tecnologia	Serviço prestado	Valor do contrato
Soluções Fiserv	Plataforma bancária principal	US $ 4,2 milhões anualmente
Jack Henry & Associados	Infraestrutura bancária digital	US $ 3,7 milhões anualmente
Salesforce Financial Services Cloud	Gerenciamento de relacionamento com o cliente	US $ 2,5 milhões anualmente

Provident Financial Holdings, Inc. (Prov) - Modelo de negócios: Atividades -chave

Empréstimos e originação hipotecária

A partir do quarto trimestre de 2023, a Provident Financial Holdings, Inc. originou US $ 98,4 milhões em empréstimos hipotecários residenciais. A quebra do portfólio de empréstimos hipotecários da empresa inclui:

Tipo de empréstimo	Volume total	Percentagem
Hipotecas convencionais	US $ 62,3 milhões	63.3%
FHA empréstimos	US $ 24,1 milhões	24.5%
Empréstimos VA	US $ 12,0 milhões	12.2%

Serviços bancários comerciais e de varejo

A Provident Financial Holdings fornece serviços bancários abrangentes com as seguintes métricas -chave:

• Total de ativos: US $ 1,42 bilhão em 31 de dezembro de 2023
• Total de depósitos: US $ 1,16 bilhão
• Número de galhos bancários: 12 locais no sul da Califórnia
• Portfólio de empréstimos comerciais: US $ 356,4 milhões

Desenvolvimento de produtos financeiros

O desenvolvimento de produtos da empresa se concentra:

• Contas de corrente portadoras de juros
• Contas do mercado monetário
• Ofertas de certificado de depósito (CD)
• Produtos de empréstimos para pequenas empresas

Gerenciamento de riscos e avaliação de crédito

Métrica de risco	Valor
Razão de empréstimos não-desempenho	0.72%
Reserva de perda de empréstimo	US $ 18,6 milhões
Taxa de cobrança líquida	0.35%

Gerenciamento de relacionamento com o cliente

As métricas de engajamento do cliente incluem:

• Total de contas de clientes: 84.600
• Usuários de banco digital: 62% da base total de clientes
• Classificação de satisfação do cliente: 4.3/5
• Taxa média de retenção de clientes: 87,5%

Provident Financial Holdings, Inc. (Prov) - Modelo de negócios: Recursos -chave

Infraestrutura bancária estabelecida

A partir do quarto trimestre de 2023, a Provident Financial Holdings, Inc. opera 23 agências de serviço completo no sul da Califórnia. Total de ativos bancários físicos avaliados em US $ 4,2 bilhões.

Ativo de infraestrutura	Quantidade/valor
Total de agências bancárias	23
Total de ativos bancários físicos	US $ 4,2 bilhões
Região de serviço primário	Sul da Califórnia

Forte presença do mercado regional

Repartição de participação de mercado:

• Mercado bancário do sul da Califórnia: 2,7%
• Participação de mercado do Condado de Riverside: 5,4%
• Participação de mercado do Condado de San Bernardino: 4,8%

Equipe de gestão financeira experiente

Composição da equipe de gerenciamento:

• PRODIÇÃO EXECUTIVO Média: 15,3 anos
• Liderança sênior com 127 anos de experiência bancária combinada

Sistemas de tecnologia bancária digital

Plataforma digital	Métricas de usuário
Usuários bancários online	87,500
Downloads de aplicativos bancários móveis	62,300
Volume anual de transação digital	3,2 milhões

Portfólio de empréstimos robustos e capital financeiro

Composição da carteira de empréstimos (Q4 2023):

• Empréstimos totais: US $ 3,87 bilhões
• Empréstimos imobiliários residenciais: US $ 2,45 bilhões
• Empréstimos imobiliários comerciais: US $ 892 milhões
• Empréstimos ao consumidor: US $ 483 milhões

Tier 1 Capital Ratio: 14,2% Taxa de cobertura de liquidez: 135%

Provident Financial Holdings, Inc. (Prov) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, a Provident Financial Holdings, Inc. atende a 7 municípios da Califórnia com uma rede de 23 filiais bancárias. O total de ativos do banco foi de US $ 3,68 bilhões em 31 de dezembro de 2023.

Métricas bancárias comunitárias	2023 dados
Total de ramos bancários	23
Condados servidos	7
Total de ativos	US $ 3,68 bilhões

Taxas competitivas de hipoteca e empréstimo

Em 2023, a Provident Financial ofereceu as seguintes taxas de empréstimos competitivos:

Tipo de empréstimo	Intervalo de taxa de juros
Hipoteca fixa de 30 anos	6.25% - 7.15%
Hipoteca fixa de 15 anos	5.50% - 6.35%
Empréstimos pessoais	8.99% - 12.99%

Serviços financeiros baseados em relacionamento

A Provident Financial reportou 85.672 contas totais de depósito em 2023, com um saldo médio de conta de US $ 47.300.

• Contas totais de depósito: 85.672
• Saldo médio da conta de depósito: US $ 47.300
• Taxa de retenção de clientes: 78,4%

Processamento de empréstimo rápido e eficiente

O banco processou 12.456 pedidos de empréstimo em 2023, com um tempo médio de processamento de 7,2 dias úteis.

Métricas de processamento de empréstimos	2023 dados
Total de pedidos de empréstimo	12,456
Tempo médio de processamento	7.2 dias úteis
Taxa de aprovação de empréstimos	62.3%

Ofertas abrangentes de produtos financeiros

A Provident Financial fornece uma gama diversificada de produtos financeiros:

• Contas de verificação
• Contas de poupança
• Empréstimos hipotecários
• Empréstimos pessoais
• Serviços bancários de negócios
• Banco online e móvel

A receita de juros líquidos de 2023 foi de US $ 129,4 milhões, representando um aumento de 6,2% em relação ao ano anterior.

Provident Financial Holdings, Inc. (Prov) - Modelo de Negócios: Relacionamentos do Cliente

Consultas bancárias pessoais

A Provident Financial Holdings fornece consultas bancárias personalizadas por meio de sua rede de 12 localizações de filiais principalmente na Califórnia. A partir de 2023, o banco mantém US $ 1,47 bilhão em ativos totais com gerentes dedicados de relacionamento com clientes.

Tipo de consulta	Duração média	Segmentos de clientes
Bancos individuais	45 minutos	Titulares de contas pessoais
Banking de negócios	60 minutos	Pequenas a médias empresas
Gestão de patrimônio	90 minutos	Indivíduos de alta rede

Plataformas bancárias online e móveis

Os canais bancários digitais incluem:

• Aplicativo bancário móvel com 98,2% de tempo de atividade
• Plataforma bancária on -line suportando 3.500 usuários digitais ativos
• Monitoramento de transações em tempo real

Suporte ao cliente e serviços de consultoria

Métricas de suporte ao cliente para 2023:

Canal de suporte	Tempo médio de resposta	Taxa de satisfação do cliente
Suporte telefônico	7,5 minutos	92%
Suporte por e -mail	24 horas	87%
Bate -papo ao vivo	3,2 minutos	95%

Programas de fidelidade para clientes de longo prazo

Estatísticas do programa de fidelidade:

• 2.100 membros do programa de fidelidade ativa
• As recompensas incluem taxas reduzidas e taxas de juros preferenciais
• Associação em camadas com base na posse e saldo da conta

Construção de relacionamento focada na comunidade

Métricas de engajamento da comunidade para 2023:

• US $ 275.000 investidos em programas comunitários locais
• Patrocinado 17 eventos locais
• Parceria com 6 organizações regionais sem fins lucrativos

Provident Financial Holdings, Inc. (Prov) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2024, a Provident Financial Holdings, Inc. opera 25 agências bancárias físicas no sul da Califórnia.

Tipo de localização	Número de ramificações	Cobertura geográfica
Locais bancários de varejo	25	Sul da Califórnia
Ramificações de serviço completo	22	Áreas de serviço primário
Filiais de serviço limitado	3	Mercados secundários

Site bancário online

A Provident Financial Holdings mantém uma plataforma bancária on -line abrangente com os seguintes recursos:

• Acesso seguro da conta
• Pagamento da conta on -line
• Transferências de fundos
• States eletrônicos
• Ferramentas de gerenciamento de contas

Métrica bancária online	2024 dados
Usuários bancários online ativos	48,375
Transações mensais do site	287,500

Aplicativo bancário móvel

O aplicativo Banking Mobile fornece recursos avançados de bancos digitais.

Estatística de aplicativo móvel	2024 Figuras
Downloads de aplicativos totais	35,620
Usuários ativos mensais	26,450

Serviços bancários telefônicos

O Provident Financial Offers 24/7 Telefone Banking Suporte com linhas de atendimento ao cliente dedicadas.

Métrica bancária telefônica	2024 dados
Representantes de atendimento ao cliente	42
Volume médio de chamada diária	1,275

Intermediários financeiros de terceiros

A Provident Financial colabora com vários parceiros de serviço financeiro.

Tipo intermediário	Número de parceiros
Corretores hipotecários	37
Consultores financeiros	52
Provedores de seguros	18

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

Mutificadores de hipotecas residenciais locais

A partir do quarto trimestre 2023, a Provident Financial Holdings serve mutuários de hipotecas residenciais na Califórnia com o seguinte profile:

Característica do segmento	Dados estatísticos
Tamanho médio do empréstimo	$567,890
Pontuação mediana de crédito	720
Foco geográfico	Sul da Califórnia

Pequenas e médias empresas

A Provident Financial Holdings tem como alvo SMB com serviços bancários especializados:

• Portfólio total de empréstimos para SMB: US $ 214,5 milhões
• Tamanho médio de empréstimo comercial: US $ 385.000
• Indústrias servidas:
  • Varejo
  • Serviços profissionais
  • Assistência médica
  • Tecnologia

Clientes bancários de varejo individuais

Métricas de segmento de clientes	2023 dados
Contas de corrente pessoal totais	47,890
Contas de poupança total	36,542
Idade média do cliente	42 anos

Investidores imobiliários comerciais

O segmento imobiliário comercial da Provident inclui:

• Portfólio de empréstimos imobiliários comerciais totais: US $ 612,3 milhões
• Empréstimo médio de propriedade de investimento: US $ 1,8 milhão
• Tipos de propriedades:
  • Residencial multifamiliar
  • Edifícios de escritórios
  • Complexos de varejo

Indivíduos de alta rede na região da Califórnia

Característica do segmento	2023 Estatísticas
Clientes totais de alto patrimônio líquido	2,345
Patrimônio líquido médio do cliente	US $ 4,2 milhões
Ativos de gerenciamento de patrimônio	US $ 387,6 ​​milhões

Provident Financial Holdings, Inc. (Prov) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

De acordo com o relatório anual de 2022, a Provident Financial Holdings, Inc. registrou despesas totais de remuneração e benefícios dos funcionários de US $ 24,3 milhões.

Categoria de despesa	Valor ($)
Salários da base	16,750,000
Seguro de saúde	3,450,000
Benefícios de aposentadoria	2,350,000
Bônus de desempenho	1,750,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para 2022 totalizaram US $ 7,2 milhões.

• Manutenção de hardware de TI: US $ 2,5 milhões
• Licenciamento de software: US $ 1,8 milhão
• Sistemas de segurança cibernética: US $ 1,4 milhão
• Infraestrutura de rede: US $ 1,5 milhão

Despesas de conformidade regulatória

Os gastos relacionados à conformidade em 2022 foram de US $ 5,6 milhões.

Área de conformidade	Custo ($)
Serviços de Consultoria Jurídica	2,100,000
Auditoria e relatórios	1,800,000
Taxas de arquivamento regulatório	900,000
Treinamento de conformidade	800,000

Custos de operação da filial

As despesas totais de operação da filial em 2022 totalizaram US $ 12,4 milhões.

• Aluguel e instalações: US $ 5,6 milhões
• Utilitários: US $ 1,8 milhão
• Equipamento de filial: US $ 2,3 milhões
• Segurança da filial: US $ 1,7 milhão

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 foram de US $ 6,5 milhões.

Canal de marketing	Gastos ($)
Marketing digital	2,750,000
Publicidade tradicional	1,950,000
Programas de referência ao cliente	850,000
Patrocínio da comunidade	950,000

Provident Financial Holdings, Inc. (Prov) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos hipotecários

A partir do quarto trimestre de 2023, a Provident Financial Holdings, Inc. registrou receita total de juros de US $ 47,3 milhões em atividades de empréstimos hipotecários.

Fonte de receita	Valor ($)	Porcentagem da receita total
Empréstimos hipotecários residenciais	37,500,000	79.2%
Empréstimos hipotecários comerciais	9,800,000	20.8%

Taxas de serviço bancário

As taxas de serviço bancário geraram US $ 6,2 milhões em receita para o ano fiscal de 2023.

• Taxas de manutenção de conta: US $ 2,1 milhões
• Taxas de processamento de transações: US $ 1,8 milhão
• Taxas bancárias eletrônicas e eletrônicas: US $ 1,3 milhão
• Outros serviços bancários: US $ 1,0 milhão

Comissões de produtos de investimento

As comissões de produtos de investimento totalizaram US $ 3,5 milhões em 2023.

Produto de investimento	Receita da Comissão ($)
Fundos mútuos	1,500,000
Produtos de planejamento de aposentadoria	1,200,000
Serviços de gerenciamento de patrimônio	800,000

Taxas de originação de empréstimos

As taxas de originação de empréstimos atingiram US $ 5,6 milhões no ano fiscal de 2023.

• Origem do empréstimo residencial: US $ 3,8 milhões
• Origem do empréstimo comercial: US $ 1,8 milhão

Margem de juros líquidos de produtos financeiros

A margem de juros líquidos para 2023 foi calculada em 3,45%, gerando US $ 22,1 milhões em receita de juros líquidos.

Categoria de produto financeiro	Receita de juros líquidos ($)	Margem de juros líquidos (%)
Portfólio de empréstimos	18,700,000	3.62%
Títulos de investimento	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.