---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-25-000096"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2025-04-28T23:59:59+00:00"
generated_at: "2026-05-23T04:37:47.384466+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- accession: 0000939057-25-000096
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2025-04-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000096/0000939057-25-000096-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000096/prov8k42825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-25-000096
- JSON: https://secwatch.observer/filing/0000939057-25-000096.json
- Plain text: https://secwatch.observer/filing/0000939057-25-000096.txt

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