13.5 USD
+0.4 (+3.05%)
13.5 USD
0 (0%)
PVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of PVBC is average, but there are quite some concerns on its profitability. While showing a medium growth rate, PVBC is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- PVBC had positive earnings in the past year.
- PVBC had a positive operating cash flow in the past year.
- PVBC had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years PVBC had a positive operating cash flow.
1.2 Ratios
- PVBC's Return On Assets of 0.69% is on the low side compared to the rest of the industry. PVBC is outperformed by 66.07% of its industry peers.
- PVBC has a Return On Equity of 4.46%. This is in the lower half of the industry: PVBC underperforms 79.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 4.46% | ||
| ROIC | N/A |
ROA(3y)-0.07%
ROA(5y)0.31%
ROE(3y)-0.75%
ROE(5y)1.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 17.93%, PVBC is doing worse than 71.21% of the companies in the same industry.
- In the last couple of years the Profit Margin of PVBC has declined.
- PVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.97%
PM growth 5Y-10.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- PVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for PVBC has been increased compared to 1 year ago.
- The number of shares outstanding for PVBC has been reduced compared to 5 years ago.
- There is no outstanding debt for PVBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- PVBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 134.38% over the past year.
- The Earnings Per Share has been decreasing by -6.31% on average over the past years.
- PVBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
- Measured over the past years, PVBC shows a small growth in Revenue. The Revenue has been growing by 3.50% on average per year.
EPS 1Y (TTM)134.38%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%300%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%4.44%
3.2 Future
- PVBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.79% yearly.
- PVBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.74% yearly.
EPS Next Y22.4%
EPS Next 2Y23.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.62%
Revenue Next 2Y5.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 18.00, PVBC is valued on the expensive side.
- Based on the Price/Earnings ratio, PVBC is valued a bit more expensive than the industry average as 78.66% of the companies are valued more cheaply.
- PVBC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 20.49, PVBC is valued on the expensive side.
- 79.18% of the companies in the same industry are cheaper than PVBC, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. PVBC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 20.49 |
4.2 Price Multiples
- 66.84% of the companies in the same industry are cheaper than PVBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- PVBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as PVBC's earnings are expected to grow with 23.79% in the coming years.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PVBC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PROVIDENT BANCORP INC / PVBC FAQ
What is the ChartMill fundamental rating of PROVIDENT BANCORP INC (PVBC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PVBC.
What is the valuation status of PROVIDENT BANCORP INC (PVBC) stock?
ChartMill assigns a valuation rating of 2 / 10 to PROVIDENT BANCORP INC (PVBC). This can be considered as Overvalued.
How profitable is PROVIDENT BANCORP INC (PVBC) stock?
PROVIDENT BANCORP INC (PVBC) has a profitability rating of 2 / 10.
What is the financial health of PROVIDENT BANCORP INC (PVBC) stock?
The financial health rating of PROVIDENT BANCORP INC (PVBC) is 4 / 10.
Can you provide the dividend sustainability for PVBC stock?
The dividend rating of PROVIDENT BANCORP INC (PVBC) is 0 / 10 and the dividend payout ratio is 0%.