{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-24-000020","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2024-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.084088+00:00","generated_at":"2026-06-06T15:40:42.703005+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Provident Financial Q2 FY2024 net income $2.14M ($0.31/diluted), down 10% YoY; NIM 2.78%","bullets":["Net income $2.14M ($0.31/diluted) down 10% from $2.37M ($0.33) YoY.","Net interest margin 2.78% (down 27 bps from 3.05% YoY); net interest income $8.77M down 7%.","Loans held for investment $1.08B essentially flat; total deposits $912M down 4% from June 30, 2023.","Non-performing assets/total assets ratio 0.13%; allowance for credit losses $7.0M (0.65% of loans) under CECL.","Recovery of credit losses $720K in quarter vs. $191K provision YoY; sequential net income up 22% from Q1 FY2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-24-000020","json":"https://secwatch.observer/filing/0000939057-24-000020.json","markdown":"https://secwatch.observer/filing/0000939057-24-000020.md","text":"https://secwatch.observer/filing/0000939057-24-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000020/0000939057-24-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000020/prov8k12924.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T15:40:42.703005+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":"4b792eb4a788949652aacc5bbad8b486a1874be3","claim":"PROVIDENT FINANCIAL HOLDINGS INC reported the second quarter of the fiscal year ending June 30, 2024 results: net income $2.14 million, EPS $0.31 per diluted share.","evidence_excerpt":"On January 29, 2024, Provident Financial Holdings, Inc. ( “ Corporation ” ), the holding company for Provident Savings Bank, F.S.B., distributed its financial results for the quarter ended December 31, 2023. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000020/0000939057-24-000020-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of the fiscal year ending June 30, 2024"},{"label":"Net income","value":"$2.14 million"},{"label":"EPS","value":"$0.31 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"}