---
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"
generated_at: "2026-06-03T05:19:47.747092+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q3 net income $1.49M ($0.22/diluted), down 36% YoY; NIM 2.74%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-24-000089
- JSON: https://secwatch.observer/filing/0000939057-24-000089.json
- Plain text: https://secwatch.observer/filing/0000939057-24-000089.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter of the fiscal year ending June 30, 2024
  - Net income: $1.49 million
  - EPS: $0.22 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905724000089/0000939057-24-000089-index.htm

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