Item 2.02 Results of Operations and Financial Condition

On January 27, 2023, Provident Financial Holdings, Inc. ("Corporation"), the holding company for Provident Savings Bank, F.S.B., distributed its financial results for the quarter ended December 31, 2022. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure.

On January 27, 2023, the Corporation posted its Investor Presentation for the quarter ended December 31, 2022 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 of the Corporation's financial results for the
                   quarter ended December 31, 2022.
         99.2        Investor Presentation of Provident Financial Holdings, Inc. for
                   the quarter ended December 31, 2022.
       104         Cover Page Interactive Data File (formatted in Inline XBRL and
                   contained in Exhibit 101)













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