---
schema_version: "secwatch.filing_event.v1"
accession: "0000939057-26-000092"
form_type: "8-K"
ticker: "PROV"
cik: "0001010470"
company_name: "PROVIDENT FINANCIAL HOLDINGS INC"
filed_at: "2026-04-28T23:59:59+00:00"
generated_at: "2026-05-15T02:38:31.621041+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000939057-26-000092
- form_type: 8-K
- ticker: PROV
- cik: 0001010470
- company_name: PROVIDENT FINANCIAL HOLDINGS INC
- filed_at: 2026-04-28T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000092/0000939057-26-000092-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000092/prov8k42826.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-26-000092
- JSON: https://secwatch.observer/filing/0000939057-26-000092.json
- Plain text: https://secwatch.observer/filing/0000939057-26-000092.txt

## Source-grounded claims
- claim_id: 51e8a0d59cf3970010bc1992d650301be29611e2
  claim: 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.
  evidence_excerpt: 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
  evidence_url: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000092/0000939057-26-000092-index.htm

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