Provident Financial Holdings Inc
ir.myprovident.comWhat Do They Do?
Takes deposits and makes residential and commercial real estate loans for consumers and small to mid-sized businesses in Southern California.
10-K for FY2026, filed Sep 2, 2026The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of…View ↗
The Bank’s community banking operations primarily consist of accepting deposits from customers within the communities surrounding its…View ↗
General. The lending activity of the Bank is comprised of the origination of single-family, multi-family and commercial real estate loans…View ↗
How Do They Make Money?
The Bank earns most of its revenue from interest on its loan and investment portfolios, and also earns fees from deposit services and card transactions. Service fees are generally collected when services are provided or monthly or quarterly.
10-K for FY2026, filed Sep 2, 2026The Bank’s community banking operations primarily consist of accepting deposits from customers within the communities surrounding its…View ↗
If a contract is determined to be within the scope of ASC 606, the Corporation recognizes revenue as it satisfies a performance obligation.…View ↗
Deposit account fees: Fees are earned on the Bank's deposit accounts for various products offered to or services performed for the Bank's…View ↗
Card and processing fees: Debit interchange income represents fees earned when a debit card issued by the Bank is used. The Bank earns…View ↗
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10-K for FY2026, filed Sep 2, 2026
FY2026 revenue by product or service (Revenue within the scope of ASC 606) ↗
$55.9M
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10-K for FY2026, filed Sep 2, 2026
$55.9M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit account fees
Recurring
10-K for FY2026, filed Sep 2, 2026 |
47%
FY2023: 46%
|
Deposit account fees, FY2026
$1.1M Sources
|
Recurring |
|
Card and processing fees
Usage-based
10-K for FY2026, filed Sep 2, 2026 |
53% |
Card and processing fees, FY2026
$1.2M Sources
|
Usage-based |
Who Are Their Customers?
Customers use the Bank’s full-service offices for deposit accounts and borrowing; Provident Financial Corp also handles trustee services for the Bank’s real estate transactions.
10-K for FY2026, filed Sep 2, 2026
Do Revenues Turn Into Profits?
Yes. It kept 12 cents of every revenue dollar as net income in FY2026 and turned 15 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 61% in 4 years, from $34.7M in FY2022 to $55.9M in FY2026, about 13% a year.
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