Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Q1 FY2027 Earnings Presentation
15 slides from Provident Financial's earnings presentation, Oct 27, 2026
Slide 1: Investor Presentation: First Quarter Ended September 30, 2026
Investor Presentation ta >» Wel First Quarter Ended September 30, 2026 PROV/DENT sx. Provident Financial Holdings, Inc.
Slide 2: Safe Harbor Statement
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, ob
Slide 3: Market Indicators
Marixet Inlicinlliclates Provident Financial Holdings, Inc. Nasdaq GS: PROV Share Price: $18.02 52-Week Range: $14.95 - $18.99 Shares Outstanding: 6,197,727 shares Market Capitalization: $111.7 million P/E (ttm): 173% Diluted EPS (ttm): $1.03 Annual Dividend & Yield: $0.56 (3.1%) As of September 30,
Slide 4: Franchise Overview
Franchise Overview Provident Bank Offices: “a Blythe “3a Riverside: “Sa Corona “3a Canyon Crest weet ty ‘ “Sa Hemet “3a Home Office = Moreno Valley “3a Downtown “Sa Rancho Mirage “Sa La Sierra “ds Redlands “3s Orangecrest “Ss Sun City “2 Temecula aK AMERICA'S BEST REGIONAL 20 BANKS 26 49 Largest ind
Slide 5: Financial Performance and Ratios
Financial Performance and Ratios Developments (sequential quarter) Net Interest Income (NII) and Net Interest Margin (NIM) v Net Income decreased approximately 28% Vv Pre-Provision, Pre-Tax Income increased approximately 4% Y $777,000 Provision for Credit Losses vs. $95,000 Recovery of Credit Losses
Slide 6: Financial Performance and Ratios
Financial Performance and Ratios 0.55% Q4FY25 QUFY26 = Q2FY26 «= Q3FY26. «= QAFY26. «= QUFY27 Q4FY25 QUFY26 Q2FY26 Q3FY26 Q4FY26 QUFY27 ‘== Net Income (In Millions) <==O=sEPS =CmeROA =0= ROE b ie PROV/DENT #24. 5 Provident Financial Holdings, ne,
Slide 7: Balances & Activity
Balances & Activity © Bevelopments (sequential quarter) Laan to Investment Mix v Loans Held for Investment increased slightly to $1.04 billion, while the weighted average rate increased 12 basis points to . 5.43% at September 30, 2026 p a v Total Deposits decreased 1% to $897.7 million, while the we
Slide 8: Balances & Activity
Balances & Activity i Category Balance Interest Balance as_ Interest (Dollar In Million: Rat of 09/30/, Rate Other States 0% Single-Family $ 582.4 4.83% $ 549.5 4.72% Inland Empire (1) . 7 Other = 20% Multi-Family 381.6 6.12% 415.2 5.57% California Commercial Real Estate 69.1 6.73% 71.0 6.59% 39% Co
Slide 9: Balances & Activity
Balances & Activity Funding Mix st gs a a a Ba aR © 2 © oS a Pa a a 2 S 2 £ 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 09/30/26 ™ Transaction Accounts & Time Deposits Borrowings Deposit Composition at 09/30/26 Money Market Accounts. 2% Time Deposits 39% Savings Accounts 24% Checking Accounts - Int
Slide 10: Asset Quality
Asset Quality v_ Non-Performing Assets to Total Assets Ratio was 0.04% at September 30, 2026, unchanged from June 30, 2026 (sequential quarter) ¥ $777,000 Provision for Credit Losses in the quarter ended September 30, 2026 v No REO v Early-Stage Delinquencies remain at very low levels In Millions 06
Slide 11: Asset Quality
Asset Quality. Allowance for Credit Losses (ACL) and ACL Ratio 06/30/2025 09/30/2025 12/31/2025 03/31/2026 06/30/2026 09/30/2026 "EA ACL (In Millions) == =ACL to LHI Ratio Delinquent and Non-Performing Loans ‘At September 30, 2026 ‘At September 30, 2025 Mortgage Loans: Single-Family 2[ fs = 3 $ O41
Slide 12: Capital Management
Capital Management ¥ Strong Capital Ratios ¥ 3.1% cash dividend yield, as of September 30, 2026 v Purchased approximately 86,000 shares of common stock in the first quarter of fiscal 2027 Y On September 30, 2026 the Bank paid a $13.0 million cash dividend to Provident Financial Holdings, Inc. (*) In
Slide 13: Appendix
%/\ooenelix PROW/DENT 2%. Provident Financial Holdings, Inc. 12
Slide 14: Loans by Vintage
Loans by Vintage Cale! ndar ¥ 2021 ar of Origination 2028 2026 YTD Loan Balance (In Thousands) | $32,668 | $5,401 | $12,597 |$129,012|$178,271 $26,467 | $62,047 | $97,825 | $582,442 Weighted Avg. LTV 44% sa% | 57% | 57% 65% 68% 61% 65% 64% 62% Weighted Avg. Age «in years) 15.19 7.36 6.02 5.21 4.23 3
Slide 15: Geographic Location - Loans
Geographic Location - Loans Mortgage Loan Category Inland Empire” Southern California” Other California Other States Total Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance Percentage Single-Family $ 145.2 25% $ 178.9 31% $ 258.1 44% $ 0.2 0% $ 582.4 100% Multi-Fami
Provident Financial Holdings — Q1 FY2027 Earnings Presentation on 6ix