# EDGAR Filing Document

**Accession Number:** 0001010470
**File Stem:** 0000939057-25-000274
**Filing Date:** 2025-10
**Character Count:** 6939
**Document Hash:** f66884bd7f0425a088b6573767d52c45
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000939057-25-000274.hdr.sgml**: 20251024

**ACCESSION NUMBER**: 0000939057-25-000274

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20251023

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251024

**DATE AS OF CHANGE**: 20251024

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PROVIDENT FINANCIAL HOLDINGS INC
- **CENTRAL INDEX KEY:** 0001010470
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 330704889
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-28304
- **FILM NUMBER:** 251415407

**BUSINESS ADDRESS:**
- **STREET 1:** 3756 CENTRAL AVE
- **CITY:** RIVERSIDE
- **STATE:** CA
- **ZIP:** 92506
- **BUSINESS PHONE:** 9096866060

**MAIL ADDRESS:**
- **STREET 1:** 3756 CENTRAL AVENUE
- **CITY:** RIVERSIDE
- **STATE:** CA
- **ZIP:** 92506

?xml version='1.0' encoding='ASCII'?

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

### FORM 8-K

#### CURRENT REPORT

#### Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): **October 23, 2025**

### PROVIDENT FINANCIAL HOLDINGS, INC.
(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Delaware**<br>| **000-28304**<br>| **33-0704889**<br>|
| (State or other jurisdiction of <br> incorporation) | (Commission<br> File Number) | (I.R.S. Employer<br> Identification No.) |

---

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| | |
|:---|:---|
| **3756 Central Avenue, Riverside, California** | **92506**<br>|
| (Address of principal executive offices) | (Zip Code) |

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Registrant's telephone number, including area code: **(951) 686-6060**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Stock, par value $.01 per share<br>| PROV<br>| The NASDAQ Stock Market LLC<br>|

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If 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. ☐

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#### Item 8.01 Other Events
On October 23, 2025, Provident Financial Holdings, Inc. (the "Corporation") announced that the Corporation's Board of Directors declared a quarterly cash dividend of $0.14 per share. Shareholders of the Corporation's common stock at the close of business on November 13, 2025 will be entitled to receive the cash dividend. The cash dividend will be payable on December 4, 2025.

The news release announcing the quarterly cash dividend is attached as Exhibit 99.1 and incorporated by reference herein.

#### Item 9.01 Financial Statements and Exhibits
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits

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| | |
|:---|:---|
| 99.1 | [News release regarding the quarterly cash dividend of Provident Financial Holdings, Inc. dated October 23, 2025.](ex991102425.htm) |
| 104 | Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101) |

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#### SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | |
|:---|:---|
| Date: October 24, 2025 | PROVIDENT FINANCIAL HOLDINGS, INC. |
|  | /s/ Peter C. Fan |
|  | Peter C. Fan |
|  | Senior Vice President and Chief Financial Officer |
|  | (Principal Financial and Accounting Officer) |

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## Exhibit 99.1

**Exhibit 99.1**<br>

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| | |
|:---|:---|
| ![](image0.jpg) | ![](image1.jpg) |

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| | |
|:---|:---|
| **3756 Central Avenue** | **NEWS RELEASE** |
| **Riverside, CA 92506** |  |
| (951) 686-6060 |  |

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#### PROVIDENT FINANCIAL HOLDINGS

#### ANNOUNCES QUARTERLY CASH DIVIDEND

Riverside, Calif. – October 23, 2025 – Provident Financial Holdings, Inc. ("Company"), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B., today announced that the Company's Board of Directors declared a quarterly cash dividend of $0.14 per share. Shareholders of the Company's common stock at the close of business on November 13, 2025 will be entitled to receive the cash dividend. The cash dividend will be payable on December 4, 2025.

Safe-Harbor Statement

*Certain matters in this News Release may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may relate to, among others, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company's mission and vision. These forward-looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties. The Company's actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements as a result of a wide range of factors including, but not limited to, the general business environment, interest rates, the California real estate market, competitive conditions between banks and non-bank financial services providers, regulatory changes, and other risks detailed in the Company's reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2025.*

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| | | |
|:---|:---|:---|
| Contact: | Donavon P. Ternes | Peter C. Fan |
|  | President and | Senior Vice President and |
|  | Chief Executive Officer | Chief Financial Officer |

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