secwatch / observer

8-K filed October 28, 2025, 7:59 PM ET ticker PROV CIK 0001010470

earnings confidence high sentiment neutral materiality 0.55

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%.

item 2.02 item 7.01 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0000939057-25-000279
form_type: 8-K
ticker: PROV
cik: 0001010470
company_name: PROVIDENT FINANCIAL HOLDINGS INC
filed_at: 2025-10-28T23:59:59+00:00
discovered_at: 2026-05-14T18:02:38.512477+00:00
generated_at: 2026-05-17T01:50:29.456528+00:00
sec_items: ["2.02", "7.01", "9.01"]
event_type: earnings
sentiment: neutral
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0000939057-25-000279
json_url: https://secwatch.observer/filing/0000939057-25-000279.json
markdown_url: https://secwatch.observer/filing/0000939057-25-000279.md
text_url: https://secwatch.observer/filing/0000939057-25-000279.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/0000939057-25-000279-index.htm
edgar_primary_document_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/prov8k102825.htm
generated_by_model: deepseek-v4-flash:cloud@v2
review_status: machine_generated
human_reviewed: false
corrected: false
correction_note: null
correction_timestamp: null
superseded_by: null

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Source: SEC EDGAR

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