---
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"
generated_at: "2026-07-28T16:20:14.114487+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1010470/000093905726000143/0000939057-26-000143-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1010470/000093905726000143/prov8k72826.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-26-000143
- JSON: https://secwatch.observer/filing/0000939057-26-000143.json
- Plain text: https://secwatch.observer/filing/0000939057-26-000143.txt

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