---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-23-000112"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2023-04-26T23:59:59+00:00"
generated_at: "2026-06-16T11:18:18.726482+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q3 net income up 37% to $2.32M; EPS $0.33

## Summary
- Net income $2.32M vs. $1.70M YoY; diluted EPS $0.33 vs. $0.23 (up 43%).
- Net interest margin expanded 39 bps to 3.00%; net interest income +25% to $9.40M.
- Loans held for investment rose 15% to $1.08B; total deposits up 3% to $983M.
- Non-performing assets only 0.07% of total assets; provision for loan losses of $169K.
- Repurchased 98,307 shares at avg $14.20; diluted shares down to 7.15M from 7.41M.

## SEC filing metadata
- accession: 0000939057-23-000112
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2023-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000112/0000939057-23-000112-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000112/prov8k42623.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-23-000112
- JSON: https://secwatch.observer/filing/0000939057-23-000112.json
- Plain text: https://secwatch.observer/filing/0000939057-23-000112.txt

## Key facts
- Earnings Releases
  PROVIDENT FINANCIAL HOLDINGS INC reported third quarter of fiscal 2023 (quarter ended March 31, 2023) results: net income $2.32 million, EPS $0.33 per diluted share.
  - Period: third quarter of fiscal 2023 (quarter ended March 31, 2023)
  - Net income: $2.32 million
  - EPS: $0.33 per diluted share
  - Result: reported results
  source text: For the quarter ended March 31, 2023, the Company reported net income of $2.32 million, or $0.33 per diluted share (on 7.15 million average diluted shares outstanding), up 37 percent from net income of $1.70 million, or $0.23 per diluted share (on 7.41 million average diluted shares outstanding), in the comparable period a year ago.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905723000112/0000939057-23-000112-index.htm

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