<SEC-DOCUMENT>0001062993-25-002583.txt : 20250214
<SEC-HEADER>0001062993-25-002583.hdr.sgml : 20250214
<ACCEPTANCE-DATETIME>20250214170851
ACCESSION NUMBER:		0001062993-25-002583
CONFORMED SUBMISSION TYPE:	SCHEDULE 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250214
DATE AS OF CHANGE:		20250214

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48569
		FILM NUMBER:		25630740

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RAFFLES ASSOCIATES LP
		CENTRAL INDEX KEY:			0001169581
		ORGANIZATION NAME:           	
		IRS NUMBER:				043272997
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		5 PENN PLAZA
		STREET 2:		19TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10001
		BUSINESS PHONE:		212-760-2322

	MAIL ADDRESS:	
		STREET 1:		5 PENN PLAZA
		STREET 2:		19TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10001
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13G/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
	<headerData>
		<submissionType>SCHEDULE 13G/A</submissionType>
		<previousAccessionNumber/>
		<filerInfo>
			<filer>
				<filerCredentials>
					<cik>0001169581</cik>
					<ccc>XXXXXXXX</ccc>
				</filerCredentials>
			</filer>
			<liveTestFlag>LIVE</liveTestFlag>


		</filerInfo>
	</headerData>
	<formData>
		<coverPageHeader>
			<amendmentNo>2</amendmentNo>
			<securitiesClassTitle>Commmon Stock</securitiesClassTitle>
			<eventDateRequiresFilingThisStatement>12/31/2024</eventDateRequiresFilingThisStatement>
			<issuerInfo>
				<issuerCik>0001010470</issuerCik>
				<issuerName>Provident Financial Holdings. Inc.</issuerName>
				<issuerCusip>743868101</issuerCusip>
				<issuerPrincipalExecutiveOfficeAddress>
					<com:street1>3756 Central Avenue</com:street1>
					<com:city>Riverside</com:city>
					<com:stateOrCountry>CA</com:stateOrCountry>
					<com:zipCode>92506</com:zipCode>
				</issuerPrincipalExecutiveOfficeAddress>
			</issuerInfo>
			<designateRulesPursuantThisScheduleFiled>
				<designateRulePursuantThisScheduleFiled>Rule 13d-1(b)</designateRulePursuantThisScheduleFiled>
			</designateRulesPursuantThisScheduleFiled>
		</coverPageHeader>
		<coverPageHeaderReportingPersonDetails>

			<reportingPersonName>Raffles Associates LP</reportingPersonName>
			<citizenshipOrOrganization>X1</citizenshipOrOrganization>
			<reportingPersonBeneficiallyOwnedNumberOfShares>
				<soleVotingPower>393420</soleVotingPower>
				<sharedVotingPower>0</sharedVotingPower>
				<soleDispositivePower>393420</soleDispositivePower>
				<sharedDispositivePower>0</sharedDispositivePower>
			</reportingPersonBeneficiallyOwnedNumberOfShares>
			<reportingPersonBeneficiallyOwnedAggregateNumberOfShares>393420</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
			<classPercent>5.88</classPercent>
			<typeOfReportingPerson>PN</typeOfReportingPerson>
		</coverPageHeaderReportingPersonDetails>
		<items>
			<item1>
				<issuerName>Provident Financial Holdings. Inc.</issuerName>
				<issuerPrincipalExecutiveOfficeAddress>3756 Central Avenue, Riverside, CALIFORNIA 92506</issuerPrincipalExecutiveOfficeAddress>
			</item1>
			<item2>
				<filingPersonName>Raffles Associates, L.P.</filingPersonName>
				<principalBusinessOfficeOrResidenceAddress>5 Penn Plaza, 19th Floor, New York NY 10001</principalBusinessOfficeOrResidenceAddress>
				<citizenship>USA</citizenship>
			</item2>
			<item3>
				<notApplicableFlag>N</notApplicableFlag>
				<typeOfPersonFiling>IA</typeOfPersonFiling>
			</item3>
			<item4>
				<amountBeneficiallyOwned>393420</amountBeneficiallyOwned>
				<classPercent>5.88</classPercent>
				<numberOfSharesPersonHas>
					<solePowerOrDirectToVote>393420</solePowerOrDirectToVote>
					<sharedPowerOrDirectToVote>0</sharedPowerOrDirectToVote>
					<solePowerOrDirectToDispose>393420</solePowerOrDirectToDispose>
					<sharedPowerOrDirectToDispose>0</sharedPowerOrDirectToDispose>
				</numberOfSharesPersonHas>
			</item4>
			<item5>
				<notApplicableFlag>Y</notApplicableFlag>
			</item5>
			<item6>
				<notApplicableFlag>Y</notApplicableFlag>
			</item6>
			<item7>
				<notApplicableFlag>Y</notApplicableFlag>
			</item7>
			<item8>
				<notApplicableFlag>Y</notApplicableFlag>
			</item8>
			<item9>
				<notApplicableFlag>Y</notApplicableFlag>
			</item9>
			<item10>
				<notApplicableFlag>N</notApplicableFlag>
				<certifications>By signing below I certify that, to the best of my knowledge and belief, the foreign regulatory scheme applicable to QIB is substantially comparable to the regulatory scheme applicable to the functionally equivalent U.S. institution(s). I also undertake to furnish to the Commission staff, upon request, information that would otherwise be disclosed in a Schedule 13D.
</certifications>
			</item10>
		</items>
		<signatureInformation>
			<reportingPersonName>Raffles Associates LP</reportingPersonName>
			<signatureDetails>
				<signature>Paul H. O'Leary</signature>
				<title>General Partner</title>
				<date>02/13/2025</date>
			</signatureDetails>
		</signatureInformation>
	</formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
