secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL HOLDINGS INC (PROV)
CIK:        0001010470
Form:       8-K
Filed at:   2026-07-28T16:19:29+00:00
Accession:  0000939057-26-000143
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000143/0000939057-26-000143-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1010470/000093905726000143/prov8k72826.htm
  HTML page:      https://secwatch.observer/filing/0000939057-26-000143

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer