---
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"
generated_at: "2026-06-06T15:40:42.703005+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q2 FY2024 net income $2.14M ($0.31/diluted), down 10% YoY; NIM 2.78%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-24-000020
- JSON: https://secwatch.observer/filing/0000939057-24-000020.json
- Plain text: https://secwatch.observer/filing/0000939057-24-000020.txt

## Key facts
- Earnings Releases
  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.
  - Period: the second quarter of the fiscal year ending June 30, 2024
  - Net income: $2.14 million
  - EPS: $0.31 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905724000020/0000939057-24-000020-index.htm

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