secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2025-04-28T23:59:59+00:00
Accession:  0000939057-25-000096
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905725000096/0000939057-25-000096-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905725000096/prov8k42825.htm
  HTML page:      https://secwatch.observer/filing/0000939057-25-000096

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