Earnings summaries and quarterly performance for PROVIDENT FINANCIAL HOLDINGS.
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Provident Financial Holdings Reports Q2 FY2026 Results
PROV
Earnings
Dividends
Share Buyback
- Provident Financial Holdings originated $42.1 million of loans held for investment in the second quarter of fiscal 2026, marking a 42% increase from the prior sequential quarter, while also experiencing $46.7 million in loan principal payments and payoffs, a 35% increase.
- Non-performing assets decreased to $990,000, or 8 basis points of total assets, at December 31, 2025, down from $1.9 million at September 30, 2025.
- The net interest margin increased by 3 basis points to 3.03% for the quarter ended December 31, 2025, compared to 3% in the sequential quarter.
- Operating expenses for the December 2025 quarter were $7.9 million, an increase from $7.6 million in the September 2025 quarter, and included a $214,000 pre-litigation settlement expense. The company expects a run rate of approximately $7.6 million-$7.7 million per quarter for the remainder of fiscal 2026.
- The company distributed $906,000 in cash dividends and repurchased approximately $1.5 million worth of common stock in Q2 FY2026, representing a 170% distribution of the December 2025 quarter's net income.
Jan 28, 2026, 5:00 PM
PROV Reports Increased Loan Originations and Net Interest Margin Expansion in Q2 2026
PROV
Earnings
Guidance Update
Share Buyback
- Provident Financial Holdings originated $42.1 million of loans held for investment in Q2 2026, a 42% increase from the prior sequential quarter, though higher loan principal payments and payoffs of $46.7 million resulted in a $4.1 million decrease in loans held for investment.
- The company's credit quality remained strong, with non-performing assets at $990,000, or 8 basis points of total assets, at December 31, 2025, a decrease from $1.9 million at September 30, 2025.
- Net interest margin increased by 3 basis points to 3.03% for Q2 2026, compared to 3% in the sequential quarter.
- Operating expenses for Q2 2026 were $7.9 million, which included a $214,000 pre-litigation settlement expense, with a projected run rate of $7.6 million-$7.7 million per quarter for the remainder of fiscal 2026.
- In Q2 2026, the company distributed $906,000 in cash dividends and repurchased approximately $1.5 million of common stock, representing a 170% distribution of the quarter's net income.
Jan 28, 2026, 5:00 PM
Provident Financial Holdings, Inc. Reports Q2 FY26 Results with Decreased Net Income and Improved Asset Quality
PROV
Earnings
Dividends
- Provident Financial Holdings, Inc. reported Net Income of $1.4 million and Diluted Earnings Per Share of $0.22 for Q2 FY26, representing a sequential decrease of approximately 15% in Net Income.
- The company's Net Interest Margin increased three basis points to 3.03% in Q2 FY26, while the Efficiency Ratio stood at 80.77%.
- Asset quality improved, with the Non-Performing Assets to Total Assets Ratio decreasing to 0.08% at December 31, 2025, from 0.15% at September 30, 2025, and a $158,000 recovery of credit losses recorded in the quarter.
- Portfolio Loan Originations increased 42% in the December 2025 quarter, and as of December 31, 2025, the share price was $15.91 with a trailing twelve-month Diluted EPS of $0.99 and an annual dividend yield of 3.52%.
Jan 28, 2026, 5:00 PM
Provident Financial Holdings Reports Q2 Fiscal 2026 Results with NIM Expansion and Increased Loan Originations
PROV
Earnings
Guidance Update
Share Buyback
- Provident Financial Holdings (PROV) reported Q2 fiscal 2026 results, with loan originations increasing 42% to $42.1 million from the prior sequential quarter, though loan principal payments and payoffs also rose 35% to $46.7 million, leading to a $4.1 million decrease in loans held for investment.
- The company's Net Interest Margin (NIM) expanded by 3 basis points to 3.03% in Q2 2026, despite a 5 basis point negative impact from Net Deferred Loan Costs amortization, with management anticipating an opportunity for further NIM expansion in the March 2026 quarter.
- Credit quality remains strong, evidenced by non-performing assets decreasing to $999,000 (or 8 basis points of total assets) at December 31, 2025, and a $158,000 recovery of credit losses.
- Operating expenses were $7.9 million in Q2 2026, including a $214,000 pre-litigation settlement expense, with a projected run rate of $7.6 million-$7.7 million per quarter for the remainder of fiscal 2026.
- In Q2 2026, Provident Financial Holdings distributed $906,000 in cash dividends and repurchased approximately $1.5 million of common stock, representing a 170% distribution of the quarter's net income.
Jan 28, 2026, 5:00 PM
Provident Financial Holdings Reports Second Quarter Fiscal 2026 Results
PROV
Earnings
Share Buyback
Demand Weakening
- Provident Financial Holdings reported net income of $1.44 million, or $0.22 per diluted share, for the second quarter of fiscal 2026 (December 2025 quarter), marking a 15% sequential decrease but a 65% increase from the prior year's comparable quarter.
- The company's Net Interest Margin for the December 2025 quarter was 3.03%, an improvement of three basis points sequentially and 12 basis points year-over-year.
- As of December 31, 2025, Loans Held for Investment were $1.04 Billion and Total Deposits were $872.4 Million, representing decreases of 1% and 2% respectively from June 30, 2025.
- The Non-Performing Assets to Total Assets Ratio improved to 0.08% at December 31, 2025, down from 0.11% at June 30, 2025, reflecting strong credit quality.
- During the quarter ended December 31, 2025, the company repurchased 96,260 shares of its common stock at an average cost of $15.80 per share.
Jan 27, 2026, 5:48 PM
Provident Financial Holdings Reports Fiscal Second Quarter 2026 Results
PROV
Earnings
Share Buyback
- For the six months ended December 31, 2025, net income increased 12 percent to $3.12 million, with diluted earnings per share rising 15 percent to $0.47. For the second quarter of fiscal 2026, net income was $1.436 million and diluted EPS was $0.22.
- Net interest income increased two percent to $8.92 million in the second quarter of fiscal 2026, with the net interest margin expanding 12 basis points to 3.03 percent.
- Credit quality remained strong, as non-performing assets decreased 30 percent to $990,000, representing 0.08 percent of total assets at December 31, 2025. The company also recorded a $158,000 recovery of credit losses in the quarter.
- The efficiency ratio improved to 80.77 percent in the second quarter of fiscal 2026 from 81.15 percent in the prior year quarter, despite a two percent increase in non-interest expense to $7.95 million due to a non-recurring $214,000 settlement expense.
- The company repurchased 96,260 shares of its common stock at an average cost of $15.80 per share during the quarter ended December 31, 2025.
Jan 27, 2026, 11:00 AM
Provident Financial Holdings Reports Q1 2026 Results
PROV
Earnings
Share Buyback
Dividends
- Provident Financial Holdings, Inc. reported a sequential increase of approximately 3% in Net Income for Q1 FY26 , reaching $1.7 million , with Diluted Earnings Per Share of $0.25.
- The company's Net Interest Margin increased six basis points to 3.00% in Q1 FY26.
- The Non-Performing Assets to Total Assets Ratio was 0.15% as of September 30, 2025.
- Provident Financial Holdings repurchased approximately 67,000 shares of common stock in the first quarter of fiscal 2026.
Oct 29, 2025, 4:00 PM
Provident Financial Holdings Reports Q1 Fiscal 2026 Results
PROV
Earnings
Guidance Update
Share Buyback
- Provident Financial Holdings (PROV) reported a net interest margin (NIM) of 3% for Q1 fiscal 2026 (ended September 30, 2025), an increase from 2.94% in the prior quarter, and anticipates modest or moderate NIM expansion in the December 2025 quarter and throughout fiscal 2026.
- Loan originations were $29.6 million in Q1 fiscal 2026, a 1% increase sequentially, but loans held for investment decreased by approximately $4 million due to higher prepayments. The company expects loan origination volume in the December 2025 quarter to be between $28 million and $36 million.
- Non-performing assets rose to $1.9 million at September 30, 2025, from $1.4 million at June 30, 2025, while the allowance for credit losses to gross loans held for investment decreased to 56 basis points. A $626,000 recovery of credit losses was recorded, primarily due to lower mortgage interest rates shortening the loan portfolio's expected life.
- The company repurchased approximately 67,000 shares of common stock and distributed $921,000 in cash dividends during Q1 fiscal 2026, with capital management activities representing a 117% distribution of the quarter's net income.
Oct 29, 2025, 4:00 PM
Provident Financial Holdings Reports Q1 Fiscal 2026 Results
PROV
Earnings
Guidance Update
Share Buyback
- Provident Financial Holdings reported a net interest margin of 3% for the first quarter of fiscal 2026 (ended September 30, 2025), representing a six basis point increase from the prior sequential quarter. Management anticipates modest to moderate net interest margin expansion for the December quarter and throughout fiscal year 2026.
- Loan originations for the quarter were $29.6 million, a 1% sequential increase, but total loans held for investment decreased by approximately $4 million due to significant loan prepayments and payoffs.
- Nonperforming assets increased to $1.9 million at September 30, 2025, from $1.4 million at June 30, 2025, while the allowance for credit losses to gross loans held for investment decreased to 56 basis points.
- The company returned capital to shareholders by distributing $921,000 in cash dividends and repurchasing approximately $1.1 million worth of common stock, totaling 117% of net income for the quarter.
Oct 29, 2025, 4:00 PM
Provident Financial Holdings Reports Q1 Fiscal 2026 Results
PROV
Earnings
Share Buyback
Demand Weakening
- Provident Financial Holdings reported net income of $1.68 million, or $0.25 per diluted share, for the first quarter of fiscal 2026 (ended September 30, 2025), which is up 3% from the sequential quarter but down 12% from the comparable quarter last year.
- The net interest margin for the September 2025 quarter was 3.00%, an increase of six basis points from the sequential quarter and 16 basis points from the comparable quarter last year.
- As of September 30, 2025, loans held for investment totaled $1.04 billion, slightly down from $1.05 billion at June 30, 2025, and total deposits were $874.8 million, a 2% decrease from June 30, 2025.
- The company repurchased 66,707 shares of its common stock at an average cost of $15.75 per share during the quarter ended September 30, 2025, with 150,321 shares remaining available under the current repurchase program.
Oct 28, 2025, 4:16 PM
Quarterly earnings call transcripts for PROVIDENT FINANCIAL HOLDINGS.
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