PROV / Provident Financial Holdings, Inc. - Документы SEC, Годовой отчет, Доверенное заявление

Провидент Файнэншл Холдингс, Инк.
US ˙ NasdaqGS ˙ US7438681014

Основная статистика
CIK 1010470
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Provident Financial Holdings, Inc.
SEC Filings (Chronological Order)
На этой странице представлен полный хронологический список документов SEC, за исключением документов о собственности, которые мы предоставляем в других местах.
August 29, 2025 EX-13

2025 Annual Report to Stockholders

EXHIBIT 13 2025 Annual Report to Stockholders 2025 Annual Report Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2025 highlighting our financial results.

August 29, 2025 EX-21.1

SUBSIDIARIES OF THE REGISTRANT

EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT Parent Company: Provident Financial Holdings, Inc. Subsidiaries: Percentage of ownership Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. 100% United States of America Provident Financial Corp(1) 100% California Profed Mortgage, Inc.(1)(2) 100% California First Service Corporation(1)(2) 100% California (1) This corporation is a wholl

August 29, 2025 EX-97

PROVIDENT FINANCIAL HOLDINGS, INC. COMPENSATION RECOVERY POLICY

Exhibit 97 PROVIDENT FINANCIAL HOLDINGS, INC. COMPENSATION RECOVERY POLICY In accordance with the applicable rules of Section 10D of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), Rule 10D-1 promulgated under the Exchange Act (“Rule 10D-1”) and Nasdaq Listing Rule 5608 (the “Listing Standards”), the Board of Directors of Provident Financial Holdings, Inc. (the “Company”) has

August 29, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC.

August 29, 2025 EX-19

PROVIDENT FINANCIAL HOLDINGS, INC. POLICY AND PROCEDURES GOVERNING TRADING IN SECURITIES CONFIDENTIALITY OF INSIDE INFORMATION FOR OFFICERS AND DIRECTORS

Exhibit 19 PROVIDENT FINANCIAL HOLDINGS, INC. POLICY AND PROCEDURES GOVERNING TRADING IN SECURITIES AND CONFIDENTIALITY OF INSIDE INFORMATION FOR OFFICERS AND DIRECTORS SUMMARY. The Securities and Exchange Commission ("SEC") and private attorneys have been, and continue to be, active in the enforcement of the insider trading laws. Congress has recently expanded the authority of the SEC and the Jus

July 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2025 PROVIDENT FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

July 28, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2025 RESULTS Net Income of $1.63 million in the June 2025 Quarter, Down 12% from the Sequential Quarter and Down 17% from the Comparable Quarter Last Year Net Interest Margin of 2.94

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2025 RESULTS Net Income of $1.63 million in the June 2025 Quarter, Down 12% from the Sequential Quarter and Down 17% from the Comparable Quarter Last Year Net Interest Margin of 2.94% in the June 2025 Quarter, Down Eight Basis Points from the Sequenti

July 28, 2025 EX-99.2

EX-99.2

Exhibit 99.2

July 25, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 25, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 24, 2025 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14 p

May 23, 2025 EX-10.1

SEVERANCE AGREEMENT

Exhibit 10.1 SEVERANCE AGREEMENT THIS AGREEMENT is made effective as of May 22, 2025 by and between PROVIDENT SAVINGS BANK, F.S.B. (the “Bank”); PROVIDENT FINANCIAL HOLDINGS, INC. (“Company”); and Peter C. Fan (the “Executive”). WHEREAS, the Bank recognizes the substantial contribution Executive has made to the Bank and wishes to protect the Executive’s position therewith for a period provided in

May 23, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (Co

May 13, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (Co

May 13, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CFO APPOINTMENT

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CFO APPOINTMENT Riverside, Calif. – May 12, 2025 – Provident Financial Holdings, Inc. (“Company” or “Provident”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B. (“Bank” or “Provident”), today announced that Peter C. Fan has been appointed Senior Vice Pres

May 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

April 28, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $1.86 million in the March 2025 Quarter, Up 113% from the Sequential Quarter and Up 24% from the Comparable Quarter Last Year Net Interest Margin of 3.02% in

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $1.86 million in the March 2025 Quarter, Up 113% from the Sequential Quarter and Up 24% from the Comparable Quarter Last Year Net Interest Margin of 3.02% in the March 2025 Quarter, Up 11 Basis Points from the Sequential Quart

April 28, 2025 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2025.

Exhibit 99.2

April 28, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

April 25, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – April 24, 2025 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14

April 25, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

February 26, 2025 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 20, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

February 7, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2024 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Num

February 6, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 3, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 28, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $872,000 in the December 2024 Quarter, Down 54% from the Sequential Quarter and 59% from the Comparable Quarter Last Year Net Interest Margin of 2.91% in th

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $872,000 in the December 2024 Quarter, Down 54% from the Sequential Quarter and 59% from the Comparable Quarter Last Year Net Interest Margin of 2.91% in the December 2024 Quarter, Up Seven Basis Points from the Sequential Qu

January 28, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

January 28, 2025 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended December 31, 2024.

Exhibit 99.2

January 24, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 24, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – January 23, 2025 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

January 24, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2025 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 24, 2025 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN Riverside, Calif. – January 23, 2025 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors authorized the repurchase of up to five

November 22, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

October 28, 2024 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2024.

Exhibit 99.2

October 28, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

October 28, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $1.90 Million in the September 2024 Quarter, Down 3% from the Sequential Quarter and Up 8% from the Comparable Quarter Last Year Net Interest Margin of 2.84%

EX-99.1 2 prov8k102824exh991.htm Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL YEAR 2025 RESULTS Net Income of $1.90 Million in the September 2024 Quarter, Down 3% from the Sequential Quarter and Up 8% from the Comparable Quarter Last Year Net Interest Margin of 2.84% in the September 2024 Quarter, Up 1

October 25, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 25, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – October 24, 2024 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

October 24, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as permitted by Rule

September 27, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 26, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporatio

September 27, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF SEPTEMBER 2023 STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF SEPTEMBER 2023 STOCK REPURCHASE PLAN Riverside, Calif. – September 26, 2024 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors authorized an

August 30, 2024 EX-13

2024 Annual Report to Stockholders

EXHIBIT 13 2024 Annual Report to Stockholders 2024 Annual Report Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2024 highlighting our financial results.

August 30, 2024 EX-97

Compensation Recovery Policy

Exhibit 97 PROVIDENT FINANCIAL HOLDINGS, INC. COMPENSATION RECOVERY POLICY In accordance with the applicable rules of Section 10D of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), Rule 10D-1 promulgated under the Exchange Act (“Rule 10D-1”) and Nasdaq Listing Rule 5608 (the “Listing Standards”), the Board of Directors of Provident Financial Holdings, Inc. (the “Company”) has

August 30, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC.

August 30, 2024 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT Parent Company: Provident Financial Holdings, Inc. Subsidiaries: Percentage of ownership Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. 100% United States of America Provident Financial Corp(1) 100% California Profed Mortgage, Inc.(1)(2) 100% California First Service Corporation(1)(2) 100% California (1) This corporation is a wholl

July 29, 2024 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2024.

Exhibit 99.2

July 29, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 PROVIDENT FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

July 29, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2024 RESULTS Net Income of $1.95 Million in the June 2024 Quarter Net Interest Margin of 2.74% in the June 2024 Quarter Loans Held for Investment of $1.05 Billion at June 30, 2024, D

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2024 RESULTS Net Income of $1.95 Million in the June 2024 Quarter Net Interest Margin of 2.74% in the June 2024 Quarter Loans Held for Investment of $1.05 Billion at June 30, 2024, Down 2% from June 30, 2023 Total Deposits of $888.3 Million at June 30

July 26, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 26, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 25, 2024 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14 p

May 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

May 8, 2024 EX-10.3

Form of Amended Severance Agreement with Deborah L. Hill, Tam B. Nguyen, Robert "Scott" Ritter, Lilian Salter, David S. Weiant and Gwendolyn L. Wertz dated March 1, 2024

EXHIBIT 10.3 SEVERANCE AGREEMENT THIS AGREEMENT is made effective as of March 1, 2024 by and between PROVIDENT SAVINGS BANK, F.S.B. (the “Bank”); PROVIDENT FINANCIAL HOLDINGS, INC. (“Company”); and NAME (the “Executive”). WHEREAS, the Bank recognizes the substantial contribution Executive has made to the Bank and wishes to protect the Executive’s position therewith for a period provided in this Ag

April 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

April 29, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – April 25, 2024 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14

April 29, 2024 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2024.

Exhibit 99.2

April 29, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2024 PROVIDENT FINANCIA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

April 29, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL YEAR 2024 RESULTS Net Income of $1.49 Million in the March 2024 Quarter Net Interest Margin of 2.74% in the March 2024 Quarter Loans Held for Investment of $1.07 Billion at March 31, 2024, Dow

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL YEAR 2024 RESULTS Net Income of $1.49 Million in the March 2024 Quarter Net Interest Margin of 2.74% in the March 2024 Quarter Loans Held for Investment of $1.07 Billion at March 31, 2024, Down 1% from June 30, 2023 Total Deposits of $908.1 Million at March 31,

February 23, 2024 8-K/A

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 28, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdictio

February 14, 2024 SC 13G/A

PROV / Provident Financial Holdings, Inc. / RAFFLES ASSOCIATES LP - FORM SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* Provident Financial Holdings. Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 14, 2024 SC 13G/A

PROV / Provident Financial Holdings, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 4) PROVIDENT FINANCIAL HOLDINGS, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2023 (Date of Even

February 9, 2024 SC 13G/A

PROV / Provident Financial Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 11 )* Provident Financial Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appr

February 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Num

January 29, 2024 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended December 31, 2023.

Exhibit 99.2

January 29, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER FISCAL YEAR 2024 RESULTS Net Income of $2.14 Million in the December 2023 Quarter Net Interest Margin of 2.78% in the December 2023 Quarter Loans Held for Investment of $1.08 Billion at December 31,

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER FISCAL YEAR 2024 RESULTS Net Income of $2.14 Million in the December 2023 Quarter Net Interest Margin of 2.78% in the December 2023 Quarter Loans Held for Investment of $1.08 Billion at December 31, 2023, Essentially Unchanged from June 30, 2023 Total Deposits of $91

January 29, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

January 26, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2024 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 26, 2024 SC 13G/A

PROV / Provident Financial Holdings, Inc. / PROVIDENT FINANCIAL HOLDINGS INC Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 13)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 743868 10 1 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

January 26, 2024 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – January 25, 2024 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

December 4, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 28, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

December 4, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CFO SUCCESSION

3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CFO SUCCESSION Riverside, Calif.

November 29, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 28, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

October 31, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CEO SUCCESSION

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES CEO SUCCESSION Riverside, Calif. – October 25, 2023 – Provident Financial Holdings, Inc. (“Company” or “Provident”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B. (“Bank” or “Provident”), today announced that Craig G. Blunden, Chairman and Chief Executiv

October 31, 2023 EX-10.13

Transition Agreement with Craig G. Blunden

Exhibit 10.13 TRANSITION AGREEMENT THIS TRANSITION AGREEMENT (the “Agreement”) is made and entered into as of this 26th day of October, 2023 by and among Provident Savings Bank, F.S.B. (the “Bank”), Provident Financial Holdings, Inc., the holding company of the Bank (the “Company”), and Craig G. Blunden (“Blunden”) (together the “Parties”). WHEREAS, Blunden is currently Chief Executive Officer of

October 31, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2023 PROVIDENT FINANC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 31, 2023 EX-10.14

Employment Agreement with Donavon P. Ternes

Exhibit 10.14 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into effective the 1st day of January 2024 by and between Provident Savings Bank, F.S.B. (the "Savings Bank"), and Donavon P. Ternes (the “Employee”). References to the “Company” mean Provident Financial Holdings, Inc., the holding company of the Savings Bank. WHEREAS, the Employee currently serves a

October 27, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 27, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – October 26, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

October 26, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as permitted by Rule

October 26, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 25, 2023 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2023.

Exhibit 99.2

October 25, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

October 25, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER FISCAL YEAR 2024 RESULTS Net Income of $1.76 Million in the September 2023 Quarter Net Interest Margin Unchanged at 2.88% for the Current and Sequential Quarters Loans Held for Investment of $1.07 Bi

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER FISCAL YEAR 2024 RESULTS Net Income of $1.76 Million in the September 2023 Quarter Net Interest Margin Unchanged at 2.88% for the Current and Sequential Quarters Loans Held for Investment of $1.07 Billion at September 30, 2023, Down 1% from June 30, 2023 Total Deposit

September 29, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporatio

September 29, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN Riverside, Calif. – September 28, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors authorized the repurchase of up to fiv

September 5, 2023 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT Parent Company: Provident Financial Holdings, Inc. Subsidiaries: Percentage of ownership Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. 100% United States of America Provident Financial Corp(1) 100% California Profed Mortgage, Inc.(1)(2) 100% California First Service Corporation(1)(2) 100% California (1) This corporation is a wholl

September 5, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC.

September 5, 2023 EX-13

2023 Annual Report to Stockholders

EXHIBIT 13 2023 Annual Report to Stockholders 2023 Annual Report Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2023 highlighting our financial results.

July 28, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 28, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 27, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14 p

July 26, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2023 RESULTS Net Income of $1.81 Million in the June 2023 Quarter Net Interest Margin Declined Five Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2023 RESULTS Net Income of $1.81 Million in the June 2023 Quarter Net Interest Margin Declined Five Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment Increased 15% from June 30, 2022 to $1.08 Billion Total Deposits Dec

July 26, 2023 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2023.

Exhibit 99.2

July 26, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2023 PROVIDENT FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

May 5, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number

April 28, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

April 28, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF APRIL 2022 STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF APRIL 2022 STOCK REPURCHASE PLAN Riverside, Calif. – April 27, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors authorized an extensio

April 28, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

April 28, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – April 27, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14

April 26, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

April 26, 2023 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2023.

Exhibit 99.2

April 26, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL 2023 RESULTS Net Income of $2.32 Million in the March 2023 Quarter Net Interest Margin Expanded 39 Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment Increased

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL 2023 RESULTS Net Income of $2.32 Million in the March 2023 Quarter Net Interest Margin Expanded 39 Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment Increased 15% from June 30, 2022 to $1.08 Billion Total Deposits Increased 3% f

February 15, 2023 SC 13G

PROV / Provident Financial Holdings, Inc. / RAFFLES ASSOCIATES LP - FORM SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Provident Financial Holdings. Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedul

February 10, 2023 SC 13G/A

PROV / Provident Financial Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 10 )* Provident Financial Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 10, 2023 SC 13G/A

PROV / Provident Financial Holdings, Inc. / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0082186-18sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 3) PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Numbe

February 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Num

January 30, 2023 SC 13G/A

PROV / Provident Financial Holdings, Inc. / PROVIDENT FINANCIAL HOLDINGS INC Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 12)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 743868 10 1 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

January 27, 2023 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended December 31, 2022.

Exhibit 99.2

January 27, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2023 RESULTS Net Income of $2.37 Million in the December 2022 Quarter Net Interest Margin Expanded 41 Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment Inc

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2023 RESULTS Net Income of $2.37 Million in the December 2022 Quarter Net Interest Margin Expanded 41 Basis Points in Comparison to the Same Quarter Last Year Loans Held for Investment Increased 11% from June 30, 2022 to $1.04 Billion Total Deposits Decreas

January 27, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

January 25, 2023 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – January 24, 2023 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

January 25, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2023 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

December 16, 2022 EX-10.4

Form of Restricted Stock Agreement for restricted shares awarded under the 2022 Equity Incentive Plan (incorporated by reference to Exhibit 10.4 in the Corporation’s Form S-8 dated December 16, 2022)

Exhibit 10.4 PROVIDENT FINANCIAL HOLDINGS, INC. 2022 EQUITY INCENTIVE PLAN RESTRICTED STOCK AGREEMENT RS No. Shares of Restricted Stock are hereby awarded on , , by Provident Financial Holdings, Inc. (the ?Company?), to (the ?Grantee?), in accordance with the following terms and conditions: 1. Share Award. The Company hereby awards to the Grantee shares (?Shares?) of common stock of the Company (?

December 16, 2022 S-8

As filed with the Securities and Exchange Commission on December 16, 2022

As filed with the Securities and Exchange Commission on December 16, 2022 Registration Statement No.

December 16, 2022 EX-10.3

Form of Non-Qualified Stock Option Agreement for options granted under the 2022 Equity Incentive Plan (incorporated by reference to Exhibit 10.3 in the Corporation’s Form S-8 dated December 16, 2022)

Exhibit 10.3 PROVIDENT FINANCIAL HOLDINGS, INC. 2022 EQUITY INCENTIVE PLAN NON-QUALIFIED STOCK OPTION AGREEMENT NQSO No. This Option is granted on , (the ?Grant Date?), by Provident Financial Holdings, Inc. (the ?Company?), to (the ?Optionee?), in accordance with the following terms and conditions: 1. Option Grant and Exercise Period. The Company hereby grants to the Optionee a Non-Qualified Stock

December 16, 2022 EX-FILING FEES

Filing fee table

Exhibit 107 Calculation of Filing Fee Table Form S-8 (Form Type) Provident Financial Holdings, Inc.

December 16, 2022 EX-10.2

Form of Incentive Stock Option Agreement for options granted under the 2022 Equity Incentive Plan (incorporated by reference to Exhibit 10.2 in the Corporation’s Form S-8 dated December 16, 2022)

Exhibit 10.2 PROVIDENT FINANCIAL HOLDINGS, INC. 2022 EQUITY INCENTIVE PLAN INCENTIVE STOCK OPTION AGREEMENT ISO No. This Option is granted on (the ?Grant Date?), by Provident Financial Holdings, Inc. (the ?Company?), to (the ?Optionee?), in accordance with the following terms and conditions: 1. Option Grant and Exercise Period. The Company hereby grants to the Optionee an Incentive Stock Option (?

November 30, 2022 EX-3.2

Amended and Restated Bylaws of Provident Financial Holdings, Inc.

Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF PROVIDENT FINANCIAL HOLDINGS, INC. ARTICLE I Home Office The home office of Provident Financial Holdings, Inc. (herein the "Corporation") shall be at 3756 Central Avenue, Riverside, California. The Corporation may also have offices at such other places within or without the State of California as the board of directors shall from time to time determine. A

November 30, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 29, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 30, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 29, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 4, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

October 28, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. ? October 27, 2022 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors declared a quarterly cash dividend of $0.1

October 28, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 27, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 27, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as permitted by Rule

October 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

October 25, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2023 RESULTS Net Income of $2.09 Million in the September 2022 Quarter Net Interest Margin Expands 12 Basis Points in Comparison to the Prior Sequential Quarter(1) Loans Held for Investment

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2023 RESULTS Net Income of $2.09 Million in the September 2022 Quarter Net Interest Margin Expands 12 Basis Points in Comparison to the Prior Sequential Quarter(1) Loans Held for Investment Increase 6% from June 30, 2022 to $993.9 Million Total Deposits Incr

October 25, 2022 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2022.

Exhibit 99.2

September 2, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

September 2, 2022 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 ? SUBSIDIARIES OF THE REGISTRANT ? ? ? ? ? ? Parent Company: ? Provident Financial Holdings, Inc. ? ? ? ? ? Subsidiaries: Percentage of ownership ? Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. ? 100% ? United States of America Provident Financial Corp(1) ? 100% ? California Profed Mortgage, Inc.(1)(2) ? 100% ? California First Service Corporation(1)(2) ? 100%

September 2, 2022 EX-13

2022 Annual Report to Stockholders

EXHIBIT 13 2022 Annual Report to Stockholders ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 2022 Annual Report ? ? ? ? Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2022 highlighting our improved financial results.

August 4, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 3, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

July 29, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. ? July 28, 2022 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors declared a quarterly cash dividend of $0.14 p

July 29, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 26, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2022 RESULTS Net Income of $2.46 Million in the June 2022 Quarter Net Income of $9.09 Million for Fiscal 2022 Net Interest Margin Expands 32 Basis Points in Comparison to the Prior S

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2022 RESULTS Net Income of $2.46 Million in the June 2022 Quarter Net Income of $9.09 Million for Fiscal 2022 Net Interest Margin Expands 32 Basis Points in Comparison to the Prior Sequential Quarter Loans Held for Investment Increase 11% from June 30

July 26, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

July 26, 2022 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2022.

Exhibit 99.2

May 6, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? ? ? ? ? ? ? ? ? [ ? ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? ? For the quarterly period ended March 31, 2022 ? ? [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? ? For the transition per

April 29, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

April 29, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN Riverside, Calif. ? April 28, 2022 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors authorized the repurchase of up to five pe

April 29, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

April 29, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. ? April 28, 2022 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors declared a quarterly cash dividend of $0.14

April 26, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL 2022 RESULTS Net Income of $1.70 Million in the March 2022 Quarter Loans Held for Investment Increase 5% from June 30, 2021 to $893.6 Million Total Deposits Increase 3% from June 30, 2021 t

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL 2022 RESULTS Net Income of $1.70 Million in the March 2022 Quarter Loans Held for Investment Increase 5% from June 30, 2021 to $893.6 Million Total Deposits Increase 3% from June 30, 2021 to $963.5 Million Improved Asset Quality with a $645,000 Recovery from

April 26, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

April 26, 2022 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2022.

Exhibit 99.2

February 14, 2022 EX-99.I

to Schedule 13G

Exhibit I to Schedule 13G Ameriprise Financial, Inc., a Delaware Corporation, is a parent holding company. The classification and identity of the relevant subsidiaries is as follows: Investment Adviser ? Columbia Management Investment Advisers, LLC is an investment adviser registered under section 203 of the Investment Advisers Act of 1940.

February 14, 2022 EX-99.II

to Schedule 13G Joint Filing Agreement

Exhibit II to Schedule 13G Joint Filing Agreement The undersigned persons agree and consent to the joint filing on their behalf of this Schedule 13G dated February 14, 2022 in connection with their beneficial ownership of Provident Financial Holdings, Inc.

February 14, 2022 SC 13G/A

PROV / Provident Financial Holdings, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) PROVIDENT FINANCIAL HOLDINGS, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2021 (Date of Even

February 14, 2022 SC 13G/A

PROV / Provident Financial Holdings, Inc. / AMERIPRISE FINANCIAL INC - SC 13G/A Passive Investment

SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Amendment #1 Under the Securities and Exchange Act of 1934 Provident Financial Holdings, Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which t

February 9, 2022 SC 13G/A

PROV / Provident Financial Holdings, Inc. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) * Provident Financial Holdings Inc. (PROV) (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) 12/31/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 8, 2022 SC 13G/A

PROV / Provident Financial Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 9 )* Provident Financial Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 8, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? ? ? ? ? ? ? ? ? [ ? ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? ? For the quarterly period ended December 31, 2021 ? ? [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? ? For the transition

February 2, 2022 SC 13G/A

PROV / Provident Financial Holdings, Inc. / PROVIDENT FINANCIAL HOLDINGS INC Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 11)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 743868 10 1 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

January 26, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 25, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 26, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2022 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

January 26, 2022 EX-99.2

Exhibit 99.2

Exhibit 99.2

January 26, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2022 RESULTS Net Income of $2.26 Million in the December 2021 Quarter Loans Held for Investment Increase Slightly from June 30, 2021 to $852.0 Million Total Deposits Increase 2% from June

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2022 RESULTS Net Income of $2.26 Million in the December 2021 Quarter Loans Held for Investment Increase Slightly from June 30, 2021 to $852.0 Million Total Deposits Increase 2% from June 30, 2021 to $956.3 Million Improved Asset Quality with a $1.1 Million

January 26, 2022 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. ? January 25, 2022 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors declared a quarterly cash dividend of $0.1

December 1, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 30, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 5, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ ✓ ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Nu

October 29, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. ? October 28, 2021 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors declared a quarterly cash dividend of $0.1

October 29, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 28, 2021 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the registrant [X] Filed by a party other than the registrant [ ] Check the appropriate box: [ ] Preliminary proxy statement [ ] Confidential, for use of the Commission only (as permitted by Rule 14a-6(e)(2)) [X] Definitive p

October 26, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.

October 26, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2022 RESULTS Net Income of $2.67 Million in the September 2021 Quarter Loans Held for Investment Increase 1% from June 30, 2021 to $859.0 Million Total Deposits Increase 2% from June 30, 20

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2022 RESULTS Net Income of $2.67 Million in the September 2021 Quarter Loans Held for Investment Increase 1% from June 30, 2021 to $859.0 Million Total Deposits Increase 2% from June 30, 2021 to $956.7 Million Improved Asset Quality with a $339,000 Recovery

October 26, 2021 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2021.

Exhibit 99.2

September 30, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporatio

September 30, 2021 EX-3.2

Amended and Restated Bylaws of Provident Financial Holdings, Inc. (incorporated by reference to Exhibit 3.2 to the Corporation’s Current Report on Form 8-K filed on September 30, 2021)

Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF PROVIDENT FINANCIAL HOLDINGS, INC. ARTICLE I Home Office The home office of Provident Financial Holdings, Inc. (herein the "Corporation") shall be at 3756 Central Avenue, Riverside, California. The Corporation may also have offices at such other places within or without the State of California as the board of directors shall from time to time determine. A

September 3, 2021 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 ? SUBSIDIARIES OF THE REGISTRANT ? ? ? ? ? ? Parent Company: ? Provident Financial Holdings, Inc. ? ? ? ? ? Subsidiaries: Percentage of ownership ? Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. ? 100% ? United States of America Provident Financial Corp(1) ? 100% ? California Profed Mortgage, Inc.(1)(2) ? 100% ? California First Service Corporation(1)(2) ? 100%

September 3, 2021 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC.

September 3, 2021 EX-13

2021 Annual Report to Stockholders

EXHIBIT 13 2021 Annual Report to Stockholders ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 2021 Annual Report ? ? ? ? Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2021.

September 2, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 31, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

July 28, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2021 RESULTS The Company Reports Net Income of $3.34 Million in the June 2021 Quarter Loans Held for Investment Increase 1% from March 31, 2021 to $851.0 Million Total Deposits Incre

Exhibit 99.1 ? ? 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 ? (951) 686-6060 ? ? PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL YEAR 2021 RESULTS ? The Company Reports Net Income of $3.34 Million in the June 2021 Quarter ? Loans Held for Investment Increase 1% from March 31, 2021 to $851.0 Million ? Total Deposits Increase 5% from June 30, 2020 to $938.0 Million ? Improve

July 28, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction (Commission (I.R.S.

July 28, 2021 EX-99.2

Fourth Quarter of Fiscal 2021 June 30, 2021 www.myprovident.com Safe Harbor Statement This presentation contains statements that the Company believes are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act

Exhibit 99.2 Fourth Quarter of Fiscal 2021 June 30, 2021 www.myprovident.com Safe Harbor Statement This presentation contains statements that the Company believes are ?forward-looking statements? within the meaning of the Private Securities Litigation Reform Act of 1995. These statements relate to the Company?s financial condition, liquidity, results of operations, plans, objectives, future perfor

July 23, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

EX-99.1 2 prov8k72221exh991.htm EXHIBIT 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 22, 2021 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a qu

July 23, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 22, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

May 7, 2021 10-Q

Quarterly Report - FORM 10-Q

10-Q 1 prov10q33121.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commis

April 28, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

EX-99.1 2 prov8kcd42721exh991.htm Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – April 27, 2021 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a

April 28, 2021 8-K

Financial Statements and Exhibits, Other Events

8-K 1 prov8kcd42721.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdic

April 28, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF APRIL 2020 STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES EXTENSION OF APRIL 2020 STOCK REPURCHASE PLAN Riverside, Calif. ? April 27, 2021 ? Provident Financial Holdings, Inc. (?Company?), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company?s Board of Directors authorized an extensio

April 28, 2021 8-K

Financial Statements and Exhibits, Other Events

8-K 1 prov8ksrp42721.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdi

April 27, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.56 Million in the March 2021 Quarter Loans Held for Investment Decrease 7% from June 30, 2020 to $840.3 Million Total Deposits Increase 5% fro

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.56 Million in the March 2021 Quarter Loans Held for Investment Decrease 7% from June 30, 2020 to $840.3 Million Total Deposits Increase 5% from June 30, 2020 to $933.8 Million Non-Interest Expense Declines 8% to

April 27, 2021 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2021.

Exhibit 99.2

April 27, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 prov8k42721.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdicti

April 8, 2021 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) *

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) * Provident Financial Holdings Inc. (PROV) (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) 03/31/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

March 2, 2021 8-K

Other Events

8-K 1 8k3221.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 2, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of

February 16, 2021 SC 13G/A

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8 )* Provident Financial Holdings Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to

February 12, 2021 SC 13G

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities and Exchange Act of 1934 Provident Financial Holdings, Inc (Name of Issuer) Common Stock (Title of Class of Securities) (CUSIP Number) December 31, 2020 (Date

SC 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities and Exchange Act of 1934 Provident Financial Holdings, Inc (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is

February 12, 2021 EX-99.II

to Schedule 13G Joint Filing Agreement

EX-99.II Exhibit II to Schedule 13G Joint Filing Agreement The undersigned persons agree and consent to the joint filing on their behalf of this Schedule 13G dated February 12, 2021 in connection with their beneficial ownership of Provident Financial Holdings, Inc. Columbia Management Investment Advisers, LLC authorizes Ameriprise Financial, Inc. to execute the Schedule 13G to which this Exhibit i

February 12, 2021 EX-99.I

to Schedule 13G

EX-99.I Exhibit I to Schedule 13G Ameriprise Financial, Inc., a Delaware Corporation, is a parent holding company. The classification and identity of the relevant subsidiaries is as follows: Investment Adviser – Columbia Management Investment Advisers, LLC is an investment adviser registered under section 203 of the Investment Advisers Act of 1940.

February 12, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) PROVIDENT FINANCIAL HOLDINGS, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2020 (Date of Even

February 8, 2021 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2020 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PROV

January 29, 2021 8-K

Financial Statements and Exhibits, Other Events -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 29, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

EX-99.1 2 prov8k12821exh991.htm Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – January 28, 2021 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a

January 28, 2021 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended December 31, 2020.

Exhibit 99.2

January 28, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 prov8k12721.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2021 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdic

January 28, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 10)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Secu

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 10)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 743868 10 1 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate th

January 28, 2021 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.18 Million in the December 2020 Quarter Loans Held for Investment Decrease 5% from June 30, 2020 to $855.1 Million Total Deposits Increase 2%

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.18 Million in the December 2020 Quarter Loans Held for Investment Decrease 5% from June 30, 2020 to $855.1 Million Total Deposits Increase 2% from June 30, 2020 to $910.0 Million Non-Interest Expense Declines 8

November 25, 2020 8-K

Submission of Matters to a Vote of Security Holders -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 24, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation

November 6, 2020 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PRO

October 30, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 prov8k102920.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdi

October 30, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

EX-99.1 2 prov8k102920exh991.htm Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – October 29, 2020 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared

October 28, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 prov8k102820.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdi

October 28, 2020 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2020.

EX-99.2 3 prov8k102820exh992.htm Exhibit 99.2

October 28, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.49 Million in the September 2020 Quarter Loans Held for Investment Decrease 2% from June 30, 2020 to $885.0 Million Total Deposits Increase 1%

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER FISCAL 2021 RESULTS The Company Reports Net Income of $1.49 Million in the September 2020 Quarter Loans Held for Investment Decrease 2% from June 30, 2020 to $885.0 Million Total Deposits Increase 1% from June 30, 2020 to $904.7 Million Non-Performing Assets Decrease

October 22, 2020 DEF 14A

-

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the registrant [X] Filed by a party other than the registrant [ ] Check the appropriate box: [ ] Preliminary proxy statement [ ] Confidential, for use of the Commission only (as permitted by Rule 14a-6(e)(2)) [X] Definitive proxy statement [ ] Definitive additional materials [ ] Soliciting material under Rule 14a-12 PROVIDENT FINANCIAL HOLDINGS, INC.

September 25, 2020 SC 13G

PROV / Provident Financial Holdings, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) PROVIDENT FINANCIAL HOLDINGS, inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) September 18, 2020 (Date of Event Which Requires Fi

September 25, 2020 EX-1

JOINT FILING AGREEMENT

EX-1 2 fp0057970ex1.htm JOINT FILING AGREEMENT EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of Provident Financial Holdings, Inc. and further agree t

September 4, 2020 10-K

Annual Report - FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [x] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2020 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name o

September 4, 2020 EX-13

2020 Annual Report to Stockholders

EXHIBIT 13 2020 Annual Report to Stockholders 2020 Annual Report Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2020.

September 4, 2020 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT Parent Company: Provident Financial Holdings, Inc. Subsidiaries: Percentage of ownership Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. 100% United States of America Provident Financial Corp (1) 100% California Profed Mortgage, Inc. (1) (2) 100% California First Service Corporation (1) (2) 100% California (1) This corporation is a

July 31, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 30, 2020 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14 p

July 31, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K 1 prov8k73020.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdictio

July 28, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 prov8k72820.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 28, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdictio

July 28, 2020 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2020.

Exhibit 99.2

July 28, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL 2020 RESULTS Company Reports Net Income of $1.58 Million in the June 2020 Quarter, up 101% from the June 2019 Quarter Non-Interest Expense Declines by 32% in the June 2020 Quarter from th

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL 2020 RESULTS Company Reports Net Income of $1.58 Million in the June 2020 Quarter, up 101% from the June 2019 Quarter Non-Interest Expense Declines by 32% in the June 2020 Quarter from the June 2019 Quarter Loans Held for Investment Increase 3% to $902.8 M

May 8, 2020 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PROVIDENT

May 1, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES NEW STOCK REPURCHASE PLAN Riverside, Calif. – April 30, 2020 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors authorized the repurchase of up to five pe

May 1, 2020 8-K

Financial Statements and Exhibits, Other Events -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

May 1, 2020 8-K

Financial Statements and Exhibits, Other Events -

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

May 1, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

EX-99.1 2 prov8kdiv43020exh991.htm Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – April 30, 2020 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared

April 28, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 8k33120prov.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdicti

April 28, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL 2020 RESULTS Company Reports $1.14 Million of Net Income in the March 2020 Quarter in Comparison to the $151,000 Net Loss in the March 2019 Quarter Non-Interest Expense Declines by 42% in t

EX-99.1 2 ex9918k33120.htm Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL 2020 RESULTS Company Reports $1.14 Million of Net Income in the March 2020 Quarter in Comparison to the $151,000 Net Loss in the March 2019 Quarter Non-Interest Expense Declines by 42% in the March 2020 Quarter in Comparison to the

April 28, 2020 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended March 31, 2020.

Exhibit 99.2

February 14, 2020 SC 13G/A

PROV / Provident Financial Holdings, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) Provident Financial Holdings Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2019 (Date of Event

February 12, 2020 SC 13G/A

PROV / Provident Financial Holdings, Inc. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7)* PROVIDENT FINANCIAL HLDGS (Name of Issuer) Common Stock (Title of Class of Securities) 743868101 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th

February 10, 2020 10-Q

PROV / Provident Financial Holdings, Inc. 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2019 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PROV

January 29, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

January 29, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – January 28, 2020 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

January 27, 2020 EX-99.2

Exhibit 99.2

Exhibit 99.2

January 27, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 prov8k12720.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2020 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdic

January 27, 2020 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2020 RESULTS Net Income Increases by 22% in the December 2019 Quarter in Comparison to the December 2018 Quarter Net Interest Margin Expands Five Basis Points to 3.59% in the December 2019

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS SECOND QUARTER OF FISCAL 2020 RESULTS Net Income Increases by 22% in the December 2019 Quarter in Comparison to the December 2018 Quarter Net Interest Margin Expands Five Basis Points to 3.59% in the December 2019 Quarter in Comparison to the December 2018 Quarter Loans Held for In

January 21, 2020 SC 13G/A

PROV / Provident Financial Holdings, Inc. / PROVIDENT FINANCIAL HOLDINGS INC - SC 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 9)* PROVIDENT FINANCIAL HOLDINGS, INC. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 743868 10 1 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the

December 2, 2019 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 prov8k112619.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 26, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or oth

November 8, 2019 10-Q

PROV / Provident Financial Holdings, Inc. 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PRO

October 31, 2019 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – October 30, 2019 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.1

October 31, 2019 8-K

Financial Statements and Exhibits, Other Events

8-K 1 prov8k103019.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or othe

October 30, 2019 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended September 30, 2019

Exhibit 99.2

October 30, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation)

October 30, 2019 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2020 RESULTS Net Income Increases by 41% in the September 2019 Quarter in Comparison to the September 2018 Quarter Net Interest Margin Expands 34 Basis Points to 3.64% in the September 2019

EX-99.1 2 prov8k102919exh991.htm EXHIBIT 99.1 Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS FIRST QUARTER OF FISCAL 2020 RESULTS Net Income Increases by 41% in the September 2019 Quarter in Comparison to the September 2018 Quarter Net Interest Margin Expands 34 Basis Points to 3.64% in the September 2019 Quarter in Comparison

October 24, 2019 DEF 14A

PROV / Provident Financial Holdings, Inc. DEF 14A - - DEF 14A

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the registrant [X] Filed by a party other than the registrant [ ] Check the appropriate box: [ ] Preliminary proxy statement [ ] Confidential, for use of the Commission only (as permitted by Rule 14a-6(e)(2)) [X] Definitive proxy statement [ ] Definitive additional materials [ ] Soliciting material under Rule 14a-12 PROVIDENT FINANCIAL HOLDINGS, INC.

August 30, 2019 10-K

PROV / Provident Financial Holdings, Inc. 10-K - Annual Report - FORM 10-K

10-K 1 prov10k2019.htm FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark one) [x] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2019 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 000-28304 PROVIDENT FINAN

August 30, 2019 EX-21.1

Subsidiaries of the Registrant

EXHIBIT 21.1 SUBSIDIARIES OF THE REGISTRANT Parent Company: Provident Financial Holdings, Inc. Subsidiaries: Percentage of ownership Jurisdiction or State of Incorporation Provident Savings Bank, F.S.B. 100% United States of America Provident Financial Corp (1) 100% California Profed Mortgage, Inc. (1) (2) 100% California First Service Corporation (1) (2) 100% California (1) This corporation is a

August 30, 2019 EX-13

2019 Annual Report to Stockholders

EX-13 3 prov10k2019exh13.htm EXHIBIT 13 EXHIBIT 13 2019 Annual Report to Stockholders 2019 Annual Report Message From the Chairman Dear Shareholders: I am pleased to forward our Annual Report for fiscal 2019. Throughout the year, we have made great strides in improving upon our community bank franchise in the Inland Empire region of Southern California. Fundamentals have improved as a result of ou

August 30, 2019 EX-4.2

Description of Capital Stock of Provident Financial Holdings, Inc. (incorporated by reference to Exhibit 4.2 to the Corporation’s Annual Report on Form 10-K for the year ended June 30, 2019)

EX-4.2 2 prov10k2019exh42.htm EXHIBIT 4.2 EXHIBIT 4.2 DESCRIPTION OF CAPITAL STOCK OF PROVIDENT FINANCIALS HOLDINGS, INC. The following is a description of the material terms of the capital stock of Provident Financial Holdings, Inc. (the “Corporation”). This description is not complete and is qualified in its entirety by reference to the Corporation’s amended and restated certificate of incorpora

July 31, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 31, 2019 EX-99.1

PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND

Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS ANNOUNCES QUARTERLY CASH DIVIDEND Riverside, Calif. – July 30, 2019 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company’s Board of Directors declared a quarterly cash dividend of $0.14 p

July 30, 2019 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (C

July 30, 2019 EX-99.1

PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL 2019 RESULTS

EX-99.1 2 prov8k73019exh991.htm EXHIBIT 99.1 Exhibit 99.1 3756 Central Avenue Riverside, CA 92506 (951) 686-6060 NEWS RELEASE PROVIDENT FINANCIAL HOLDINGS REPORTS FOURTH QUARTER AND FISCAL 2019 RESULTS Riverside, Calif. – July 30, 2019 – Provident Financial Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B. (“Bank”), today announced fourth quarter a

July 30, 2019 EX-99.2

Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2019.

Exhibit 99.2

May 9, 2019 10-Q

PROV / Provident Financial Holdings, Inc. 10-Q Quarterly Report FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-28304 PROVIDENT

May 1, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2019 PROVIDENT FINANCIAL HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delaware 000-28304 33-0704889 (State or other jurisdiction of incorporation) (

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