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.

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  • FY2026 10-K risk factors

    30 risks, 5 new, 7 dropped, 10 reworded since the prior year. California insurance costs and availability now directly threaten borrowers’ debt service, collateral values, and results.

    Filed Sep 02, 2026
  • FY2025 10-K risk factors

    32 risks. California real estate lending concentration dominates the risk profile, exposing the bank to regional economic and natural disaster shocks.

    Filed Aug 29, 2025