<span item_type="fundamental" item_id="9be133078c12027ff9dd3052695ad696" counter_id="ST/US/PROV" env="prod"></span><span item_type="announcement" item_id="513914647768992513" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 14.43 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.28, beating the estimate of USD 0.24.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: Total interest income for the quarter ended March 31, 2025 was $14,429,000, compared to $13,807,000 for the same period in 2024. For the nine months ended March 31, 2025, total interest income was $42,525,000, compared to $40,814,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: Net interest income for the quarter ended March 31, 2025 was $9,212,000, compared to $8,559,000 for the same period in 2024. For the nine months ended March 31, 2025, net interest income was $26,587,000, compared to $26,472,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li><li><strong>Net Income</strong>: Net income for the quarter ended March 31, 2025 was $1,857,000, compared to $1,495,000 for the same period in 2024. For the nine months ended March 31, 2025, net income was $4,629,000, compared to $5,398,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Net cash provided by operating activities for the nine months ended March 31, 2025 was $6,205,000, compared to $6,441,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li><li><strong>Investing Cash Flow</strong>: Net cash provided by investing activities for the nine months ended March 31, 2025 was $9,632,000, compared to $26,788,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li><li><strong>Financing Cash Flow</strong>: Net cash used for financing activities for the nine months ended March 31, 2025 was -$16,298,000, compared to -$47,347,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses (ACL)</strong>: The ACL at the end of the quarter was $6,577,000, representing 0.62% of gross loans held for investment.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The Corporation plans to enhance its community banking operations through moderate asset growth, focusing on expanding its single-family, multi-family, commercial real estate, construction, and commercial business lending portfolios. Additionally, the Corporation aims to improve the composition of its deposit base by reducing reliance on retail time deposits and increasing the proportion of lower-cost checking and savings accounts.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li><li><strong>Non-Core Business</strong>: The Corporation may utilize brokered certificates of deposit and government deposits to diversify funding sources, as appropriate based on market conditions and funding requirements.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1010470/000093905725000131/prov-20250331x10q.htm"></span></li></ul>

Provident Financial | 10-Q: FY2025 Q3 Revenue: USD 14.43 M