{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-24-000089","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2024-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.862779+00:00","generated_at":"2026-06-03T05:19:47.747092+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Provident Financial Q3 net income $1.49M ($0.22/diluted), down 36% YoY; NIM 2.74%","bullets":["Net income $1.49M ($0.22 diluted) vs $2.32M ($0.33) YoY, down 36%.","Net interest margin 2.74%, down 26 bps YoY; net interest income $8.56M (-9% YoY).","Loans held for investment $1.07B (-1% from June 2023); total deposits $908.1M (-5%).","Non-performing assets ratio 0.17% (vs 0.10% at June 30, 2023); allowance for credit losses 0.67% of loans.","Repurchased 50,051 shares at avg cost $13.99 in Q3; 237,592 shares remain under program expiring Sep 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-24-000089","json":"https://secwatch.observer/filing/0000939057-24-000089.json","markdown":"https://secwatch.observer/filing/0000939057-24-000089.md","text":"https://secwatch.observer/filing/0000939057-24-000089.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000089/0000939057-24-000089-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000089/prov8k42924.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:19:47.747092+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":"a3b4f14bd57497d7990de1b1dff7c552463a52a2","claim":"PROVIDENT FINANCIAL HOLDINGS INC reported third quarter of the fiscal year ending June 30, 2024 results: net income $1.49 million, EPS $0.22 per diluted share.","evidence_excerpt":"The Company reported net income of $1.49 million, or $0.22 per diluted share (on 6.94 million average diluted shares outstanding) for the quarter ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1010470/000093905724000089/0000939057-24-000089-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of the fiscal year ending June 30, 2024"},{"label":"Net income","value":"$1.49 million"},{"label":"EPS","value":"$0.22 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"}