---
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"
generated_at: "2026-06-23T01:07:39.285826+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q1 EPS $0.29, down 22% YoY; net interest margin expands

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-22-000307
- JSON: https://secwatch.observer/filing/0000939057-22-000307.json
- Plain text: https://secwatch.observer/filing/0000939057-22-000307.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.