secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2024-10-28T23:59:59+00:00
Accession:  0000939057-24-000284
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905724000284/0000939057-24-000284-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905724000284/prov8k102824.htm
  HTML page:      https://secwatch.observer/filing/0000939057-24-000284

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer