PROVIDENT FINANCIAL HOLDINGS INC — Form 10-K
Filed September 2, 2026 · analyzed by the Periodic Agent
10-K
— Neutral
significance 28/100
What the filing says
Provident Financial Holdings (market cap ~$91.3M) reported FY2026 (ended June 30, 2026) net income of $6.655M (+6.4% YoY), EPS of $1.03 diluted (+10.8% YoY). Net interest margin improved to 3.09% from 2.93%, driven by repricing of FHLB advances lower. Loan portfolio declined ~1% despite 32% production growth, offset by elevated prepayments. Deposits grew 2% to $910.4M; transaction accounts fell 3%. Eight consecutive years with zero net charge-offs. Maintained quarterly dividend of $0.14/share; repurchased 344,000 shares (~5.4% of current shares outstanding). Total assets declined 3% to $1.208B. Book value per share rose to $20.15 from $19.54.
Why this rating
Routine annual results for small regional bank. Modest earnings uptick, no M&A, no crisis. Strong credit quality and capital position. Limited scale changes relative to $91M market cap.
See more from September 2, 2026.
EDGAR·FLOW summarizes public SEC EDGAR filings with automated analysis. Materiality scores and stock-impact predictions are algorithmically generated and are not investment advice. Always verify against the source filing on SEC.gov.