---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-26-000018"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:21:10.642057+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q2 net income $1.44M (EPS $0.22); NIM 3.03%; NPL ratio 0.08%

## Summary
- Net income of $1.44M, up 65% YoY from $872K but down 15% from sequential Q1 ($1.68M).
- Net interest margin expanded 12 bps YoY to 3.03%; net interest income rose 2% to $8.92M.
- Recorded a recovery of credit losses of $158K vs provision of $586K in prior-year quarter.
- Non-performing assets fell 30% to $990K, 0.08% of total assets; no charge-offs.
- Repurchased 96,260 shares at avg $15.80; 54,061 shares remain under buyback program.

## SEC filing metadata
- accession: 0000939057-26-000018
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000018/0000939057-26-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000018/prov8k12726.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-26-000018
- JSON: https://secwatch.observer/filing/0000939057-26-000018.json
- Plain text: https://secwatch.observer/filing/0000939057-26-000018.txt

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