---
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"
generated_at: "2026-05-27T07:51:25.228656+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1010470/000093905725000011/0000939057-25-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000011/prov8k12825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-25-000011
- JSON: https://secwatch.observer/filing/0000939057-25-000011.json
- Plain text: https://secwatch.observer/filing/0000939057-25-000011.txt

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