secwatch / observer

8-K filed January 28, 2025, 6:59 PM ET ticker PROV CIK 0001010470

earnings confidence high sentiment negative materiality 0.70

Provident Financial Q2 net income falls 59% to $872K; provision for credit losses swings to $586K

PROVIDENT FINANCIAL HOLDINGS INC

2025-Q2 EPS reported $0.41 vs consensus $0.29 ▲ beat (+41.0%)

Net income $872K ($0.13 diluted EPS) vs $2.14M ($0.31) a year ago, down 59%.
Net interest margin expanded 13 bps to 2.91%; net interest income flat at $8.76M.
Recorded $586K provision for credit losses vs $720K recovery in prior year; non-interest expenses up 6% to $7.79M.
Loans held for investment $1.05B, unchanged from June 30; deposits $867.5M, down 2%.
Repurchased 63,556 shares at avg $16.04; new stock repurchase plan approved by Board.

item 2.02 item 7.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0000939057-25-000011
form_type: 8-K
ticker: PROV
cik: 0001010470
company_name: PROVIDENT FINANCIAL HOLDINGS INC
filed_at: 2025-01-28T23:59:59+00:00
discovered_at: 2026-05-14T18:03:02.687469+00:00
generated_at: 2026-05-27T07:51:25.228656+00:00
sec_items: ["2.02", "7.01", "9.01"]
event_type: earnings
sentiment: negative
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0000939057-25-000011
json_url: https://secwatch.observer/filing/0000939057-25-000011.json
markdown_url: https://secwatch.observer/filing/0000939057-25-000011.md
text_url: https://secwatch.observer/filing/0000939057-25-000011.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000011/0000939057-25-000011-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000011/prov8k12825.htm
generated_by_model: deepseek-v4-flash:cloud@v2
review_status: machine_generated
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correction_note: null
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