Risk factors
Provident Financial Holdings (PROV) risk factors
Item 1A of every Provident Financial Holdings Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2026 10-K risk factors30 risks5 new7 dropped10 reworded
California insurance costs and availability now directly threaten borrowers’ debt service, collateral values, and results.
Filed Sep 02, 2026 - FY2025 10-K risk factors32 risks
California real estate lending concentration dominates the risk profile, exposing the bank to regional economic and natural disaster shocks.
Filed Aug 29, 2025