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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
Net income for Q2 FY2026 was $1.44 million, down 15% sequentially but up 65% year-over-year; diluted EPS was $0.22.
Loan originations reached $42.1 million, up 42% sequentially, driven by lower mortgage rates, though prepayments also increased, offsetting growth.
The company operates as a single segment focused on community banking, emphasizing moderate asset growth and improved deposit composition.
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 margin improved to 3.03%, up 3 bps sequentially and 12 bps year-over-year.
Net interest income for Q2 FY2026 was $8.92 million, up 2% year-over-year.
Non-interest income increased 9% year-over-year to $917,000, driven by higher loan servicing and prepayment fees.
Non-interest expense rose 2% to $7.95 million, mainly due to a non-recurring $214,000 mediation settlement and higher equipment expenses.
Diluted EPS for the quarter was $0.22 (up 69% year-over-year); for six months, $0.47 (up 15%).
Outlook and guidance
Management expects a stable economic environment and believes a normalizing yield curve will support future performance.
Loan origination volume in the next quarter expected to be within $28–$42 million.
Operating expense run rate projected at $7.6–$7.7 million per quarter for the remainder of fiscal 2026.
Continued focus on disciplined execution, strong underwriting, and prudent pricing.
Management continues to focus on prudent risk management, moderate asset growth, and improving the deposit mix.
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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