Provident Financial Q3 net income $1.86M, EPS $0.28, up 24% YoY; NIM improves to 3.02%

PROVIDENT FINANCIAL HOLDINGS INC

2025-Q3 EPS reported $0.68 vs consensus $0.31 ▲ beat (+122.2%)

Net income $1.86M ($0.28 diluted EPS), up 24% from $1.50M ($0.22) in Q3 FY24; up 113% sequentially.
Net interest margin 3.02%, up 28 bps YoY; net interest income $9.21M, up 8%.
Non-performing assets to total assets 0.11%, down from 0.20% at June 30, 2024; recovery of credit losses $391K.
Repurchased 51,869 shares at avg $15.30; 293,132 shares remaining under buyback.
Loans held for investment $1.06B (+1% from June 30, 2024); total deposits $901.3M (+2%).

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