---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-23-000012"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2023-01-27T23:59:59+00:00"
generated_at: "2026-06-20T06:59:52.892636+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q2 net income $2.37M ($0.33 EPS), up 5% YoY; NIM expands 41 bps to 3.05%

## Summary
- Net income $2.37M vs $2.26M YoY; diluted EPS $0.33 on 7.24M shares.
- Net interest margin 3.05%, up 41 bps from 2.64% in prior-year quarter.
- Loans held for investment $1.04B, up 11% from June 30, 2022.
- Non-performing assets 0.08% of total assets; no real estate owned.
- Repurchased 103,290 shares at avg $14.26; 211,345 shares remain available under buyback.

## SEC filing metadata
- accession: 0000939057-23-000012
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2023-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000012/0000939057-23-000012-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000012/prov8k12723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-23-000012
- JSON: https://secwatch.observer/filing/0000939057-23-000012.json
- Plain text: https://secwatch.observer/filing/0000939057-23-000012.txt

## Key facts
- Earnings Releases
  PROVIDENT FINANCIAL HOLDINGS INC reported the quarter ended December 31, 2022 results: net income $2.37 million, EPS $0.33 per diluted share.
  - Period: the quarter ended December 31, 2022
  - Net income: $2.37 million
  - EPS: $0.33 per diluted share
  - Result: reported results
  source text: For the quarter ended December 31, 2022, the Company reported net income of $2.37 million, or $0.33 per diluted share (on 7.24 million average diluted shares outstanding), up five percent from net income of $2.26 million, or $0.30 per diluted share (on 7.48 million average diluted shares outstanding), in the comparable period a year ago.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000012/0000939057-23-000012-index.htm

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