Key insight : Happen's entire earnings beat came from the provision line. : Happen's entire earnings beat came from the provision line. Happen, the Nasdaq-listed parent of Happen Bank, finished rebranding in June. It reported diluted earnings per share, or EPS, of 50 cents for the second quarter in an after-market earnings report on Monday. Amid the beat, Happen raised its guidance for full-year diluted EPS to $1.80 to $1.90, up from the $1.65 to $1.80 it forecast in January (and maintained in April ).