---
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"
generated_at: "2026-05-17T01:50:29.456528+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/0000939057-25-000279-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/prov8k102825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-25-000279
- JSON: https://secwatch.observer/filing/0000939057-25-000279.json
- Plain text: https://secwatch.observer/filing/0000939057-25-000279.txt

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