PROVIDENT FINANCIAL HOLDINGS INC — Form 8-K
Filed July 28, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Provident Financial Holdings reported Q4 FY2026 (ended June 30, 2026) net income of $2.18 million ($0.35 diluted EPS on 6.33M average shares), up 61% from $1.35M in Q3 FY2026 and 34% from $1.63M in Q4 FY2025. Full fiscal year 2026 net income was $6.66M ($1.03 diluted EPS), up 6% from $6.26M in FY2025. Net interest margin improved 27 bps YoY to 3.21% from 2.94%, driven by lower funding costs (FHLB advances down $37.7M) and higher loan yields (up 13 bps to 5.10%). The company repurchased 89,974 shares at $16.97/share (174,605 shares remain under buyback authorization) and paid $0.14/share quarterly dividend.
Why this rating
Solid earnings growth and NIM expansion are positive operationally; however, at $95.6M market cap, $2.2M quarterly net income (~2.3% annualized ROA) reflects routine performance. Loan originations ($46M/quarter) exceed runoff modestly. No material M&A, strategic shifts, or going-concern items. Normal periodic disclosure.
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