Provident Financial Q3 net income $1.35M, down 27% YoY; NIM expands 11 bps to 3.13%

PROVIDENT FINANCIAL HOLDINGS INC

2026-Q3 EPS reported $0.68

Diluted EPS of $0.21, down from $0.28 in Q3 FY2025 and $0.22 in the prior quarter.
Net interest margin improved to 3.13% from 3.02% a year ago; net interest income down 1% to $9.16M.
Recorded $326K provision for credit losses vs. $391K recovery in year-ago quarter; non-performing assets 0.08% of total assets.
Board authorized new stock repurchase program for up to 5% of outstanding shares; repurchased 91,532 shares at avg $16.18 in quarter.
Total loans held for investment $1.03B, down 2% from June 30, 2025; FHLB special dividend of $274K boosted net interest income.

item 2.02 item 7.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 1.0

PROVIDENT FINANCIAL HOLDINGS INC reported third quarter of the fiscal year ending June 30, 2026 results: net income $1.35 million, EPS $0.21 per diluted share.

Period: third quarter of the fiscal year ending June 30, 2026
Net income: $1.35 million
EPS: $0.21 per diluted share
Result: reported results

Exact text from the filing

Exhibit 99.1 3756 Central Avenue NEWS RELEASE Riverside, CA 92506 (951) 686-6060 PROVIDENT FINANCIAL HOLDINGS REPORTS THIRD QUARTER OF FISCAL 2026 RESULTS Net Income of $1.35 million in the March 2026 Quarter, Down 6% from the Sequential Quarter and Down 27% from the Comparable Quarter Last Year Net Interest Margin of 3.13% in the March 2026 Quarter, Up 10

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Source: SEC EDGAR

accession 0000939057-26-000092

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