• Provident Financial Holdings posted fiscal Q3 net income of $1.35 million, down 6% sequentially and down 27% from year-ago quarter.
• Net interest margin widened to 3.13%, rising 10 basis points from prior quarter.
• Provision for credit losses totaled $326,000, swinging from a $158,000 recovery in prior quarter on a longer expected life of loan portfolio tied to higher mortgage rates.
• Loans held for investment were $1.03 billion at March 31, 2026, down 2% from June 30, 2025, while total deposits edged up to $892.9 million.
• Board authorized a new stock repurchase program for up to 5% of outstanding shares, with CEO Donavon P. Ternes citing expanding margin, excellent credit quality, and disciplined execution.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Provident Financial Holdings Inc. published the original content used to generate this news brief on April 28, 2026, and is solely responsible for the information contained therein.