{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-22-000307","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.217750+00:00","generated_at":"2026-06-23T01:07:39.285826+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Provident Financial Q1 EPS $0.29, down 22% YoY; net interest margin expands","bullets":["Net income of $2.09M ($0.29 diluted EPS) vs $2.67M ($0.35) a year ago, down 22%.","Net interest margin improved 34 bps YoY to 3.05%; loans held for investment rose 6% to $993.9M.","Total deposits increased 3% to $985.3M from June 30, 2022.","Provision for loan losses was $70,000 vs recovery of $339,000 last year; non-performing assets down 32% to $964,000.","Non-interest expenses up 22% YoY due to $1.20M ERTC credit not repeated; efficiency ratio 70%."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-22-000307","json":"https://secwatch.observer/filing/0000939057-22-000307.json","markdown":"https://secwatch.observer/filing/0000939057-22-000307.md","text":"https://secwatch.observer/filing/0000939057-22-000307.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905722000307/0000939057-22-000307-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905722000307/prov8k102622.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:07:39.285826+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}