{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-23-000308","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.839072+00:00","generated_at":"2026-06-09T09:36:31.905471+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 net income down 16% to $1.76M; EPS $0.25 vs $0.29 YoY","bullets":["Net income $1.76M ($0.25 diluted EPS) vs $2.09M ($0.29) a year ago, down 16% YoY.","Net interest margin unchanged at 2.88%; net interest income up 2% to $9.14M.","Loans held for investment $1.07B (-1% sequential); total deposits $931.1M (-2% sequential).","Provision for credit losses increased to $545K from $70K YoY after CECL adoption.","Board authorized new stock repurchase plan for 350,353 shares, expiring September 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-23-000308","json":"https://secwatch.observer/filing/0000939057-23-000308.json","markdown":"https://secwatch.observer/filing/0000939057-23-000308.md","text":"https://secwatch.observer/filing/0000939057-23-000308.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000308/0000939057-23-000308-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000308/prov8k102523.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:36:31.905471+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":"e21b7f6ace28b41e14808cba82d8805ee54f303c","claim":"PROVIDENT FINANCIAL HOLDINGS INC reported first quarter of the fiscal year ending June 30, 2024 results: revenue $9.14 million, net income $1.76 million, EPS $0.25 per diluted share.","evidence_excerpt":"5.40 percent, compared to 5.52 percent for the fourth quarter of fiscal 2023. In the first quarter of fiscal 2024, net interest income increased $174,000, or two percent, to $9.14 million from $8.97 million for the same quarter last year. The increase in net interest income was primarily due to a higher average balance of interest-earning assets, partly offset by","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1010470/000093905723000308/0000939057-23-000308-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of the fiscal year ending June 30, 2024"},{"label":"Revenue","value":"$9.14 million"},{"label":"Net income","value":"$1.76 million"},{"label":"EPS","value":"$0.25 per diluted 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"}