Provident Financial Q4 net income falls 17% YoY to $1.63M; NIM 2.94%

PROVIDENT FINANCIAL HOLDINGS INC

2025-FY EPS reported $0.93

Net income $1.63M ($0.24 diluted EPS) vs $1.95M ($0.28) YoY; down 12% sequentially from Q3.
Net interest margin 2.94%, up 20 bps YoY but down 8 bps sequentially; net interest income +5% YoY.
Non-performing assets ratio improved to 0.11% from 0.20% YoY; no loan charge-offs in Q4.
Repurchased 76,104 shares at avg $15.00 in Q4; 217,028 shares remain under buyback program.
Management optimistic for FY2026 citing stable conditions and potential upward yield curve.

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