secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0000939057-26-000018
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000018/0000939057-26-000018-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000018/prov8k12726.htm
  HTML page:      https://secwatch.observer/filing/0000939057-26-000018

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer