The earnings miss and declining profitability warrant caution. Monitor the next quarter for continued credit cost pressure and loan growth trajectory. The new buyback provides a floor but does not offset fundamental weakness.
Price Chart
Executive Summary
Provident Financial Holdings reported Q3 fiscal 2026 EPS of $0.21, a 25% miss versus the $0.28 consensus estimate, and net income down 27% YoY. The miss was driven by a $326K provision for credit losses (vs a $391K recovery a year ago) and lower non-interest income. The stock is likely to trade down on the earnings miss and deteriorating earnings trend.
Key Financial Metrics
Key Facts
- Diluted EPS of $0.21 missed consensus of $0.28 by 25%
- Net income of $1.35M down 27% YoY from $1.86M
- Provision for credit losses of $326K vs $391K recovery a year ago
- Net interest margin expanded 11 bps YoY to 3.13%
- Non-performing assets improved to 0.08% of total assets
- Board authorized new 5% stock repurchase program
Financial Impact
EPS miss of $0.07 vs consensus; net income decline of $503K YoY
Risk Factors
- Continued credit loss provisions if mortgage rates rise further
- Further net interest margin compression from deposit cost increases
- Lower loan origination volumes if rate environment remains elevated
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3282358 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $18.20 | awaiting T+5 | — | $18.20 (−0.00%) |
Oct 27, 2026 today | Press Release | $18.20 | awaiting T+5 | — | $18.20 (−0.00%) |
Oct 23, 2026 4d ago | 8-K | $18.20 | awaiting T+5 | — | $18.20 (+0.00%) |
Oct 23, 2026 4d ago | 8-K | $18.20 | awaiting T+5 | — | $18.20 (+0.00%) |
Oct 22, 2026 4d ago | Press Release | $18.20 | awaiting T+5 | — | $18.20 (+0.00%) |
Oct 9, 2026 18d ago | DEF 14A | $18.26 $18.15 | ▼ −0.60% | ▲ +1.37% | $18.20 (−0.33%) |
Jul 28, 2026 13w ago | 8-K | $17.60 $17.90 | ▲ +1.70% | ▼ −0.56% | $18.20 (+3.41%) |
Jul 24, 2026 13w ago | 8-K | $17.22 $17.76 | ▲ +3.14% | ▲ +2.76% | $18.20 (+5.69%) |
Jul 23, 2026 13w ago | Press Release | $17.22 $17.76 | ▲ +3.14% | ▲ +2.76% | $18.20 (+5.69%) |
Apr 28, 2026 26w ago | 8-K | $17.14 $17.10 | ▲ +0.23% | ▲ +1.93% | $18.20 (−6.18%) |
US Market Status
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