Provident Financial Holdings, Inc.

PROV

$18.33

+0.11%

N/A+$0.02

Financial Services

Banks - Regional

NASDAQ

Active Trading

Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services ...

Supply Chain of PROV

Upstream

Foundry, packaging, memory, wafers, components, and input vendors.

Upstream

Deloitte & Touche LLP

NCR Atleos Corporation (Allpoint Network)

Early Warning Services, LLC (Zelle)

The Clearing House Payments Company (RTP)

Mastercard Incorporated

Deloitte & Touche LLP

Independent Registered Public Accounting Firm (external auditor since 2001)

Visa Inc.

NYSE:V

Debit card network processor - provides Visa-branded debit card issuance and transaction processing

NCR Atleos Corporation (Allpoint Network)

NYSE:NATL

Surcharge-free ATM network provider - Allpoint gives Provident Bank customers access to >55,000 ATMs worldwide

Early Warning Services, LLC (Zelle)

Peer-to-peer payment network operator - Provident Bank offers Zelle through online/mobile banking

The Clearing House Payments Company (RTP)

Real-time payments network participant - Provident Savings Bank is listed as an RTP-participating FI

Downstream

Customers, distributors, OEMs, and channels that absorb output.

Downstream

Individual Retail Depositors (Inland Empire, CA)

Small-to-Mid-Sized Businesses (Inland Empire, CA)

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)

Single-Family and Multi-Family Mortgage Borrowers

Federal Home Loan Bank of San Francisco (FHLB SF)

Freddie Mac (Federal Home Loan Mortgage Corp)

Fannie Mae (Federal National Mortgage Association)

Individual Retail Depositors (Inland Empire, CA)

Personal checking, savings, money market, time deposit accounts, and consumer lending. The largest and most stable source of core deposit funding (~$893M total deposits).

Small-to-Mid-Sized Businesses (Inland Empire, CA)

Business checking, commercial real estate loans, construction loans, commercial business lending, merchant services, and treasury management. Represents the primary lending customer base.

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)

Commercial real estate loan portfolio (~$70.9M office/industrial as of Dec 2025). Largest loan category forming the bulk of interest income generation.

Single-Family and Multi-Family Mortgage Borrowers

Residential mortgage lending (originated for portfolio and via Profed Mortgage subsidiary). Secondary market sales via government-sponsored enterprises.

Federal Home Loan Bank of San Francisco (FHLB SF)

Wholesale funding source and liquidity provider. FHLB advances supplement core deposits for lending capacity.

Proxies

Public comparables and monitoring names used as representatives for the analysis.

Proxies

Citizens Community Bancorp, Inc.

First Savings Financial Group, Inc.

TFS Financial Corporation

NASDAQ:TFSL

HMN Financial, Inc.

NASDAQ:HMNF

Small ($1B assets) savings bank holding company operating in Minnesota/Iowa/Wisconsin with similar asset size, product mix (CRE, residential, consumer loans), and single-state geographic concentration.

Citizens Community Bancorp, Inc.

NASDAQ:CZWI

Small community bank holding company (~$1.8B assets) serving Midwest markets with similar branch network size, deposit funding model, and commercial real estate lending focus.

First Savings Financial Group, Inc.

NASDAQ:FSFG

Indiana-based savings bank holding company (~$1.3B assets) with similar federally chartered thrift structure and community banking focus.

Geographic

Region-level exposures that can distort the supply network.

Geographic

Inland Empire, Southern California (Riverside & San Bernardino Counties)

California (regulatory/fiscal environment)

Individual Retail Depositors (Inland Empire, CA)

Small-to-Mid-Sized Businesses (Inland Empire, CA)

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)

State of California – regulatory bodies (DFPI, FDIC California)

Inland Empire, Southern California (Riverside & San Bernardino Counties)

Single-region deposit and lending concentration

Individual Retail Depositors (Inland Empire, CA)Core deposit funding base entirely within Riverside/San Bernardino counties

Small-to-Mid-Sized Businesses (Inland Empire, CA)Commercial lending portfolio concentrated in regional businesses

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)CRE loan portfolio secured by properties in Southern California market

California (regulatory/fiscal environment)

State-level regulatory, tax, and economic exposure

State of California – regulatory bodies (DFPI, FDIC California)Subject to California banking regulations, state economic cycles, and wildfire/natural disaster risk

Concentration

Customer, supplier, or partner concentration exposures that can distort the supply network.

Other

Critical

Geographic concentration risk: virtually 100% of deposits and lending activity concentrated in the Inland Empire (Riverside/San Bernardino counties, CA). Regional economic downturn, natural disasters, or regulatory changes in California would directly impact asset quality and deposit stability.

Other

High

Commercial real estate (CRE) loan concentration: significant portion of loan portfolio in CRE (office, industrial, multi-family). Post-pandemic remote work trends create elevated risk for office property valuations and default rates.

Other

High

Net interest margin sensitivity: as a traditional community bank, PROV's earnings are highly sensitive to interest rate changes. The Federal Reserve rate cycle directly impacts net interest income and loan demand.

Other

High

Small single-bank holding company: total assets of ~$1.23B with market cap of ~$106M. Limited diversification across products, geographies, or revenue streams. Highly dependent on Inland Empire local economy.

Other

Medium

Core processing vendor dependency: single core banking system provider (likely Jack Henry) controls critical operations including transaction processing, account management, and regulatory reporting. Vendor lock-in and migration costs are material for a bank of this size.

Revenue mix

How the target's revenue mix translates into supply-chain leverage and dependency.

Net Interest Income (lending: commercial real estate, single-family, multi-family, construction, commercial business, consumer loans)

92.0%

$0.0B

Core revenue driver. Loan portfolio composition (>85% real estate-related) drives demand for property valuation services (appraisals, title insurance, flood zone determinations) and credit analysis tools.

Card and Processing Fees (debit card interchange, ATM fees)

3.0%

$0.0B

Drives upstream dependency on Visa debit network, card personalization vendors, and the Allpoint ATM network (NCR Atleos). Processing fees tied to transaction volumes on core banking platform.

Deposit Account Fees (service charges on checking/savings, overdraft, monthly maintenance)

3.0%

$0.0B

Relates to core deposit platform functionality. Fee structure depends on core banking system capabilities for account management and regulatory compliance reporting.

Loan Servicing and Other Non-Interest Income (SBA lending gains, wire transfer fees, safe deposit box rentals)

2.0%

$0.0B

Minor revenue line. SBA lending requires specialized loan origination and servicing software vendors.

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Provident Financial Holdings, Inc.

Supply Chain of PROV

Upstream

Deloitte & Touche LLP

Visa Inc.

NCR Atleos Corporation (Allpoint Network)

Early Warning Services, LLC (Zelle)

The Clearing House Payments Company (RTP)

Jack Henry & Associates, Inc.

Deluxe Corporation

Mastercard Incorporated

View More

Downstream

Individual Retail Depositors (Inland Empire, CA)

Small-to-Mid-Sized Businesses (Inland Empire, CA)

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)

Single-Family and Multi-Family Mortgage Borrowers

Federal Home Loan Bank of San Francisco (FHLB SF)

Freddie Mac (Federal Home Loan Mortgage Corp)

Fannie Mae (Federal National Mortgage Association)

Proxies

TFS Financial Corporation

HMN Financial, Inc.

Citizens Community Bancorp, Inc.

First Savings Financial Group, Inc.

Geographic

Inland Empire, Southern California (Riverside & San Bernardino Counties)

California (regulatory/fiscal environment)

Supply Chain of PROV

Upstream

Deloitte & Touche LLP

Visa Inc.

NCR Atleos Corporation (Allpoint Network)

Early Warning Services, LLC (Zelle)

The Clearing House Payments Company (RTP)

Jack Henry & Associates, Inc.

Deluxe Corporation

Mastercard Incorporated

View More

Downstream

Individual Retail Depositors (Inland Empire, CA)

Small-to-Mid-Sized Businesses (Inland Empire, CA)

Commercial Real Estate Borrowers (office, industrial, multi-family, retail in CA)

Single-Family and Multi-Family Mortgage Borrowers

Federal Home Loan Bank of San Francisco (FHLB SF)

Freddie Mac (Federal Home Loan Mortgage Corp)

Fannie Mae (Federal National Mortgage Association)

Proxies

TFS Financial Corporation

HMN Financial, Inc.

Citizens Community Bancorp, Inc.

First Savings Financial Group, Inc.

Geographic

Inland Empire, Southern California (Riverside & San Bernardino Counties)

California (regulatory/fiscal environment)