Provident Financial Holdings, Inc. is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Riverside, CA. Its latest filed balance sheet (2025-06-30) shows total assets of $1.2 billion (its filed statements).
Lending businessSavings Institution, Federally CharteredRiverside, CAfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.5 out of ten, 9 of 9 metrics filed: past 7.5 out of ten, present 4.0 out of ten, future 4.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.7 out of ten. No warning events in its filings since 2017. 87th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 2.9 out of ten. +3.1% a year over 10 filed years; profitable in 10 of 10. 29th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 9.0 out of ten. Share count shrank 3.4% a year. 100% of cash flow returned. Insiders: 5 sales, 0 purchases. 90th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.5 out of ten. ROE 5%: 5¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 55th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 2.6 out of ten. bottom 26% of 31 in its family; net margin 11.9%. 26th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 3.1 out of ten. bottom 32% of 25 in its family for leadership; chief executive since 2024. 32nd percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.8 out of ten. bottom 49% of 25 in its family for room to expand. 49th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.5 out of ten. bottom 35% of 30 in its family for growth drivers. 35th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.0 out of ten. bottom 40% of 29 in its family for expectations against reality. 40th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-09-02 for the period ended 2026-06-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-05-07 for the period ended 2026-03-31 (on EDGAR). Newest results release: Form 8-K filed 2026-07-28 (on EDGAR). Newest filing: Form DEF 14A, 2026-10-09. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Blunden, Craig G (Chairman and CEO); Ternes, Donavon P (President & CEO); Ritter, Robert Scott (Senior Vice President); Sunarto, Haryanto Lee (Vice President); Wertz, Gwendolyn (Senior Vice President); Van, Stockum Michael Scott (Senior Vice President); Weiant, David (Senior Vice President); Webb, Matthew (director). 8 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-07.
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.