---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-24-000194"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2024-07-29T23:59:59+00:00"
generated_at: "2026-05-31T15:35:48.731651+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000939057-24-000194
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2024-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905724000194/0000939057-24-000194-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905724000194/prov8k72924.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-24-000194
- JSON: https://secwatch.observer/filing/0000939057-24-000194.json
- Plain text: https://secwatch.observer/filing/0000939057-24-000194.txt

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