---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-25-000183"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2025-07-28T23:59:59+00:00"
generated_at: "2026-05-18T00:03:16.164765+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000939057-25-000183
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2025-07-28T23:59:59+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/1010470/000093905725000183/0000939057-25-000183-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000183/prov8k72825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-25-000183
- JSON: https://secwatch.observer/filing/0000939057-25-000183.json
- Plain text: https://secwatch.observer/filing/0000939057-25-000183.txt

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