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of Contents](#TOC)\n\nUNITED STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\nFORM 10-Q\n\n(Mark One)\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n[  ✓ ]\n\nQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n​\n\n​\n\n​\n\nFor the quarterly period ended\n\n**December 31, 2025**\n\n​\n\n​\n\n[     ]\n\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n​\n\n​\n\n​\n\nFor the transition period from ________________ to _________________\n\n​\n\nCommission File Number **000-28304**\n\n​\n\n**PROVIDENT FINANCIAL HOLDINGS, INC.**\n\n(Exact name of registrant as specified in its charter)\n\n​\n\n**Delaware**\n\n**33-0704889**\n\n(State or other jurisdiction of\nincorporation or organization)\n\n(I.R.S. Employer\nIdentification No.)\n\n​\n\n3756 Central Avenue, Riverside, California 92506\n\n(Address of principal executive offices and zip code)\n\n(951) 686-6060\n\n(Registrant’s telephone number, including area code)\n\n_________________________________________________________\n\n​\n\n(Former name, former address and former fiscal year, if changed since last report)\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\n​\n\n​\n\n​\n\n​\n\nTitle of each class\n\nTrading Symbol(s)\n\nName of each exchange on which registered\n\nCommon stock, par value $0.01 per share\n\nPROV\n\nThe NASDAQ Stock Market LLC\n\n​\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.             ⌧    Yes   ◻  No\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).                ⌧   Yes   ◻  No\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n​\n\nLarge accelerated filer  ◻\n\nAccelerated filer  ◻\n\nNon-accelerated filer ⌧\n\nSmaller reporting company ⌧\n\n​\n\nEmerging growth company ◻\n\n​\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act  ◻\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).\n\n◻ Yes  ⌧  No\n\n​\n\n**APPLICABLE ONLY TO CORPORATE ISSUERS**\n\nIndicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. As of January 31, 2026, there were 6,375,020 shares of the registrant's common stock, $0.01 par value per share, outstanding.\n\n​\n\n​\n\n[Table of Contents](#TOC)\n\n**PROVIDENT FINANCIAL HOLDINGS, INC.**\n\n**Table of Contents**\n\n**PART 1  -**\n\n**FINANCIAL INFORMATION**\n\nPage\n\n​\n\n​\n\n​"}