{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-26-000143","form_type":"8-K","ticker":"PROV","cik":"0001010470","company_name":"PROVIDENT FINANCIAL HOLDINGS INC","filed_at":"2026-07-28T16:19:29+00:00","discovered_at":"2026-07-28T16:20:00.505474+00:00","generated_at":"2026-07-28T16:20:14.114487+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Provident Financial Q4 net income $2.18M, EPS $0.35, up 34% YoY; NIM expands to 3.21%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-26-000143","json":"https://secwatch.observer/filing/0000939057-26-000143.json","markdown":"https://secwatch.observer/filing/0000939057-26-000143.md","text":"https://secwatch.observer/filing/0000939057-26-000143.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1010470/000093905726000143/0000939057-26-000143-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1010470/000093905726000143/prov8k72826.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-28T16:20:14.114487+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}