---
title: "PROV: Q4 2026 net income surged 61% sequentially, with improved margins and strong asset quality"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/294047547.md"
description: "Q4 2026 net income rose 61% sequentially and 34% year-over-year, driven by credit loss recoveries and higher non-interest income, while net interest margin expanded to 3.21%. Asset quality improved, efficiency ratio declined, and capital remained strong, positioning for further gains in fiscal 2027.Original document: Provident Financial Holdings, Inc. [PROV] SEC 8-K Current Report — Jul. 29 2026DisclaimerThis is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source."
datetime: "2026-07-28T10:12:49.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/294047547.md)
  - [en](https://longbridge.com/en/news/294047547.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/294047547.md)
generator: "portal-rs"
---

# PROV: Q4 2026 net income surged 61% sequentially, with improved margins and strong asset quality

Q4 2026 net income rose 61% sequentially and 34% year-over-year, driven by credit loss recoveries and higher non-interest income, while net interest margin expanded to 3.21%. Asset quality improved, efficiency ratio declined, and capital remained strong, positioning for further gains in fiscal 2027.

Original document: Provident Financial Holdings, Inc. \[PROV\] SEC 8-K Current Report — Jul. 29 2026

**Disclaimer**

This is an AI-generated summary and may contain inaccuracies. Please verify any important information with the original source.

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**