Provident Financial Holdings Inc (PROV) delivered a solid Q3 2025 (quarter ended March 31, 2025) with revenue of $15.34 million, up 63.03% year over year and 3.16% quarter over quarter, and net income of $1.86 million ($0.28 per share). The company benefited from a 11 basis point expansion in net interest margin (NIM) to 3.02% driven by a 7 bp rise in the yield on total interest-earning assets and a 1 bp reduction in the cost of total interest-bearing liabilities, supplemented by a small positive impact from lower net deferred loan costs and a credit loss recovery of $0.394 million. Operating profit was $2.654 million and gross profit reached $13.875 million on revenue of $15.336 million, yielding a gross margin of roughly 68.5% and an operating margin near 17.3%. Net income rose 24.2% year over year and 113% quarter over quarter, with EPS of $0.28. The balance sheet remains liquidity-rich and conservatively sourced, supported by a well-capitalized profile and ongoing capital returns to shareholders through dividends and modest share repurchases.