secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2026-04-28T23:59:59+00:00
Accession:  0000939057-26-000092
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000092/0000939057-26-000092-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000092/prov8k42826.htm
  HTML page:      https://secwatch.observer/filing/0000939057-26-000092

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