{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-23-000193","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.856290+00:00","generated_at":"2026-06-13T02:05:47.686933+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 Q4 net income $1.81M, down 27% YoY; EPS $0.26","bullets":["Net income $1.81M ($0.26 EPS) in Q4 FY2023, down from $2.46M ($0.34 EPS) a year ago; FY net income $8.59M vs $9.09M.","Net interest margin 2.88%, down 5 bps YoY; net interest income up 9% to $9.23M on higher earning asset balances.","Loans held for investment increased 15% YoY to $1.08B; total deposits decreased 1% to $950.6M.","Asset quality strong: non-performing assets / total assets = 0.10%; allowance for loan losses $5.9M (0.55% of gross loans).","Company repurchased 51,498 shares at avg $12.64 in Q4; remaining buyback authority 61,540 shares."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-23-000193","json":"https://secwatch.observer/filing/0000939057-23-000193.json","markdown":"https://secwatch.observer/filing/0000939057-23-000193.md","text":"https://secwatch.observer/filing/0000939057-23-000193.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000193/0000939057-23-000193-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000193/8k72623.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:05:47.686933+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":[{"claim_id":"9ca8f9d07b842cce4188fb35bb21a5e51e322d81","claim":"PROVIDENT FINANCIAL HOLDINGS INC reported the quarter ended June 30, 2023 results: net income $1.81 million, EPS $0.26 per diluted share.","evidence_excerpt":"For the quarter ended June 30, 2023, the Company reported net income of $1.81 million, or $0.26 per diluted share (on 7.07 million average diluted shares outstanding), down 27 percent from net income of $2.46 million, or $0.34 per diluted share (on 7.32 million average diluted shares outstanding), in the comparable period a year ago.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000193/0000939057-23-000193-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$1.81 million"},{"label":"EPS","value":"$0.26 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"e2b3250b407b989a7554ff6412a01375057687d6","claim":"PROVIDENT FINANCIAL HOLDINGS INC reported the fiscal year ended June 30, 2023 results: net income $8.59 million, EPS $1.19 per share.","evidence_excerpt":"For the fiscal year ended June 30, 2023, net income decreased $501,000, or six percent, to $8.59 million from $9.09 million in the prior fiscal year. Diluted earnings per share for the fiscal year ended June 30, 2023 decreased two percent to $1.19 per share (on 7.19 million average diluted shares outstanding) from $1.22 per share (on 7.45 million average diluted shares outstanding) for the fiscal year ended June 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000193/0000939057-23-000193-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended June 30, 2023"},{"label":"Net income","value":"$8.59 million"},{"label":"EPS","value":"$1.19 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}