Provident Financial Q4 net income $2.18M, EPS $0.35, up 34% YoY; NIM expands to 3.21%

PROVIDENT FINANCIAL HOLDINGS INC

Q4 diluted EPS $0.35 vs $0.24 YoY; net income $2.18M, up 61% sequential and 34% YoY.
Net interest margin 3.21%, up 27 bps YoY; net interest income $9.31M, up 5% YoY.
Non-performing assets to total assets 0.04%, down from 0.11% YoY; no loan charge-offs.
Repurchased 89,974 shares at avg $16.97 in Q4; quarterly dividend $0.14 per share.
Fiscal 2026 diluted EPS $1.03, up 11% from $0.93; net income $6.66M, up 6%.

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