Provident Financial Q1 FY2026 net income $1.68M, down 12% YoY; EPS $0.25

PROVIDENT FINANCIAL HOLDINGS INC

2026-Q1 EPS reported $0.25

Net income $1.68M ($0.25 diluted EPS), up 3% from sequential Q4 but down 12% from $1.90M ($0.28) YoY.
Net interest margin 3.00%, up 16 bps YoY; loans held for investment $1.04B, down slightly from Q4.
Recovery of credit losses $626,000; allowance for loan losses 0.56% of gross loans.
Non-performing assets ratio 0.15% (up from 0.11% Q4); no charge-offs during quarter.
Repurchased 66,707 shares at avg $15.75; dividend unchanged; effective tax rate 38.5%.

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