---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-24-000284"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:33:58.961739+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q1 FY2025 EPS $0.28, net income $1.90M (+8% YoY); NIM 2.84%

## Summary
- 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.

## SEC filing metadata
- accession: 0000939057-24-000284
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1010470/000093905724000284/0000939057-24-000284-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905724000284/prov8k102824.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-24-000284
- JSON: https://secwatch.observer/filing/0000939057-24-000284.json
- Plain text: https://secwatch.observer/filing/0000939057-24-000284.txt

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