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Zacks Company Profile for Provident Financial Holdings, Inc. (PROV : NSDQ)

• Company Description    Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.S.B. Number of Employees: 185

• Price / Volume Information    Yesterday's Closing Price: $15.56 Daily Weekly Monthly 20 Day Moving Average: 5,744 shares Shares Outstanding: 6.58 (millions) Market Capitalization: $102.34 (millions) Beta: 0.39 52 Week High: $16.70 52 Week Low: $12.98 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.00% -1.81% 12 Week 0.58% -8.68% Year To Date -2.20% -12.68%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 3756 CENTRAL AVENUE - RIVERSIDE,CA 92506 USA ph: 951-686-6060 fax: 909-782-6132 dternes@myprovident.com http://www.myprovident.com

• General Corporate Information    Officers Donavon P. Ternes - President and Chief Executive Officer Craig G. Blunden - Chairman of the Board of Directors Peter C. Fan - Senior Vice President and Chief Financial Officer Judy A. Carpenter - Director Debbi H. Guthrie - Director Peer Information Provident Financial Holdings, Inc. (ABBK) Provident Financial Holdings, Inc. (ABCWQ) Provident Financial Holdings, Inc. (BDJI) Provident Financial Holdings, Inc. (COOPQ) Provident Financial Holdings, Inc. (CITZ) Provident Financial Holdings, Inc. (BKC.) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-SVGS & LOAN Sector: Finance CUSIP: 743868101 SIC: 6035 Fiscal Year Fiscal Year End: June Last Reported Quarter: 06/01/25 Next Expected EPS Date: 10/27/25 Share - Related Items Shares Outstanding: 6.58 Most Recent Split Date: 2.00 (1.50:1) Beta: 0.39 Market Capitalization: $102.34 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.60% Current Fiscal Quarter EPS Consensus Estimate: $0.29 Indicated Annual Dividend: $0.56 Current Fiscal Year EPS Consensus Estimate: $1.19 Payout Ratio: 0.60 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.07 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 08/14/2025 - $0.14 Next EPS Report Date: 10/27/25

• Fundamental Ratios P/E Current FY Estimate: 13.08 Trailing 12 Months: 16.73 PEG Ratio: - Price Ratios Price/Book: 0.81 Price/Cash Flow: 10.69 Price / Sales: 1.70 EPS Growth vs. Year Ago Period: -14.29% vs. Previous Quarter: -14.29% Sales Growth vs. Year Ago Period: -2.63% vs. Previous Quarter: -2.33% ROE 06/30/25 - 4.85 03/31/25 - 5.09 12/31/24 - 4.81 ROA 06/30/25 - 0.50 03/31/25 - 0.52 12/31/24 - 0.49 Current Ratio 06/30/25 - 1.22 03/31/25 - 1.22 12/31/24 - 1.25 Quick Ratio 06/30/25 - 1.22 03/31/25 - 1.22 12/31/24 - 1.25 Operating Margin 06/30/25 - 10.40 03/31/25 - 10.87 12/31/24 - 10.39 Net Margin 06/30/25 - 10.40 03/31/25 - 10.87 12/31/24 - 10.39 Pre-Tax Margin 06/30/25 - 14.75 03/31/25 - 15.40 12/31/24 - 14.67 Book Value 06/30/25 - 19.21 03/31/25 - 19.26 12/31/24 - 19.02 Inventory Turnover 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Equity 06/30/25 - 1.66 03/31/25 - 1.67 12/31/24 - 1.91 Debt-to-Capital 06/30/25 - 62.37 03/31/25 - 62.59 12/31/24 - 65.62

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