earnings
confidence high
sentiment neutral
materiality 0.70
Provident Financial Q1 FY2025 EPS $0.28, net income $1.90M (+8% YoY); NIM 2.84%
PROVIDENT FINANCIAL HOLDINGS INC
2025-Q1 EPS reported
$0.28
- Net income $1.90M, diluted EPS $0.28, up 8% YoY from $1.76M ($0.25); down 3% sequentially.
- Net interest margin 2.84%, up 10 bps QoQ but down 4 bps YoY; net interest income $8.62M.
- Recovery of credit losses $697k vs $545k provision YoY; NPA ratio improved to 0.17%.
- Deposits $863.9M (-3% vs June); loans held for investment $1.05B unchanged; efficiency ratio 79.06%.
- Repo'd 93,641 shares at $14.26 avg; 95,475 shares remain under buyback expiring Sept 2025.