secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0000939057-25-000279
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/0000939057-25-000279-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905725000279/prov8k102825.htm
  HTML page:      https://secwatch.observer/filing/0000939057-25-000279

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