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): July 2428, 2025

PROVIDENT FINANCIAL HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

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


3756 Central Avenue, Riverside, California	92506
(Address of principal executive offices)	(Zip Code)

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))

☐ 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:

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

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. ☐[ ]

Item 8 2.0102 ~~Other~~Results ~~Events~~of Operations and Financial Condition

On July 2428, 2025, Provident Financial Holdings, Inc. (~~the~~ “Corporation”), ~~announced that~~ the ~~Corporation’s~~holding ~~Board~~company ~~of Directors~~for ~~declared~~Provident aSavings ~~quarterly~~Bank, ~~cash dividend of $0~~F.~~14 per share~~S.B., ~~Shareholders~~distributed ofits ~~the~~financial ~~Corporation’s~~results ~~common~~for ~~stock at~~ the ~~close~~quarter ofand ~~business~~fiscal onyear ended ~~August 14~~June 30, 2025. ~~will~~A becopy ~~entitled~~of tothe ~~receive~~news ~~the~~release ~~cash~~is ~~dividend.~~attached ~~The~~hereto ~~cash~~as ~~dividend~~Exhibit ~~will~~99.1 beand ~~payable~~is ~~on September 4,~~incorporated ~~2025~~herein by reference.

~~The~~Item ~~news release announcing the quarterly cash dividend is attached as Exhibit 99~~7.101 Regulation ~~and~~FD ~~incorporated by reference herein~~Disclosure.

On July 28, 2025, the Corporation posted its Investor Presentation for the quarter ended June 30, 2025 on the Corporation’s website, www.myprovident.com, under Presentations in the Investor Relations section. A copy of the Investor Presentation is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d)

Exhibits

99.1	~~News release regarding the quarterly cash dividend of Provident Financial Holdings, Inc. dated July 24, 2025.~~	News release of the Corporation’s financial results for the quarter and fiscal year ended June 30, 2025.
104	Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101)
99.2		Investor Presentation of Provident Financial Holdings, Inc. for the quarter ended June 30, 2025.
104		Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101)

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.

Date: July 25, 2025		PROVIDENT FINANCIAL HOLDINGS, INC.
Date: July 28, 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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