Provident Financial Q4 EPS $0.28, up 8% YoY; net interest margin slips to 2.74%

PROVIDENT FINANCIAL HOLDINGS INC

2024-FY EPS reported $1.06

Net income $1.95M ($0.28 diluted EPS) vs $1.81M ($0.26) YoY; full-year net income $7.35M ($1.06) down 14%.
Net interest margin 2.74% vs 2.88% YoY; loans held for investment $1.05B (-2%) and deposits $888.3M (-7%).
Non-interest income up 29% to $1.47M on $541k gains from VISA share conversion; non-interest expense down 6% to $7.17M.
Non-performing assets doubled to $2.6M (0.20% of assets) from $1.3M (0.10%) a year ago.
Repurchased 48,476 shares at avg $13.00 in Q4; 189,116 shares remain under current buyback program.

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