Provident Financial Holdings, Inc. (PROV) Q2 2025 Earnings Call Transcript

Provident Financial Holdings, Inc. (NASDAQ:PROV) Q2 2025 Earnings Conference Call January 28, 2025 12:00 PM ET

Company Participants

Donavon Ternes – President and Chief Executive Officer
Tam Nguyen – Senior Vice President and Chief Financial Officer

Conference Call Participants

Andrew Liesch – Piper Sandler

Operator

Hello, and thank you for standing by. My name is Bella, and I will be your conference operator today. At this time, I would like to welcome everyone to the Provident Financial Holdings Second Quarter of Fiscal 2025 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions].

I would now like to turn the conference over to Donavon Ternes, President and Chief Executive Officer. Please go ahead.

Donavon Ternes

Thank you, Bella. Good morning. This is Donavon Ternes, President and CEO of Provident Financial Holdings. And on the call with me is Tam Nguyen, our Senior Vice President and Chief Financial Officer.

Before we begin, I have a brief administrative item to address. Our presentation today discusses the company’s business outlook and will include forward-looking statements. Those statements include descriptions of management’s plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company’s general outlook for economic and business conditions.

We also may make forward-looking statements during the question-and-answer period following management’s presentation. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed earlier this morning, from the annual report on Form 10-K for the year ended June 30, 2024, and from the Form 10-Qs and