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Provident Financial
Provident Financial (PROV) investor relations material
Provident Financial Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary28 Jan, 2026
Executive summary
Loan originations increased 42% sequentially, driven by lower mortgage rates, but prepayments offset portfolio growth.
Net income for Q2 FY2026 was $1.44 million, down 15% sequentially but up 65% year-over-year; diluted EPS was $0.22.
Net interest margin improved to 3.03%, up 3 bps sequentially and 12 bps year-over-year.
Credit quality remained strong, with non-performing assets at 0.08% of total assets, down from 0.11% at June 30, 2025.
No loans were in early delinquency at quarter-end, and commercial real estate exposure is limited and well-managed.
Financial highlights
Net interest income for Q2 FY2026 was $8.92 million, up 2% year-over-year.
Non-interest income increased 13% sequentially and 9% year-over-year, driven by higher loan servicing and prepayment fees.
Operating expenses rose to $7.95 million, including a $214,000 pre-litigation settlement.
Allowance for credit losses to gross loans was 0.55%, slightly down from 0.56%.
Distributed $906,000 in dividends and repurchased $1.5 million in stock, totaling 170% of quarterly net income.
Outlook and guidance
Loan origination volume in the next quarter expected to be within $28–$42 million.
Management expects a stable economic environment and a normalizing yield curve to support future performance.
Operating expense run rate projected at $7.6–$7.7 million per quarter for the remainder of fiscal 2026.
Adjustable rate loans repricing in March and June 2026, with mixed impacts on yields.
Continued focus on disciplined execution, strong underwriting, and prudent pricing.
March/June repricing: net NIM effect
Strategy to achieve loan portfolio growth
Office CRE loan confidence: key underwriting factors
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Next Provident Financial earnings date
Q3 202628 Apr, 2026
Provident Financial
Next Provident Financial earnings date
Q3 202628 Apr, 2026
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Frequently asked questions
Provident Financial Holdings Inc is the holding company for Provident Savings Bank, which offers community banking services in Southern California. The company provides residential and commercial real estate loans, consumer and business deposit products, and other financial services. It operates primarily through retail banking offices and online channels. Provident Financial Holdings Inc is headquartered in Riverside, California, and its shares are listed on the NASDAQ.
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