PROVIDENT BANCORP INC (PVBC) Fundamental Analysis & Valuation

NASDAQ:PVBC • US74383L1052

Current stock price

13.5 USD
+0.4 (+3.05%)
At close:
13.5 USD
0 (0%)
After Hours:

This PVBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PVBC Profitability Analysis

1.1 Basic Checks

  • PVBC had positive earnings in the past year.
  • In the past year PVBC had a positive cash flow from operations.
  • Of the past 5 years PVBC 4 years were profitable.
  • Each year in the past 5 years PVBC had a positive operating cash flow.
PVBC Yearly Net Income VS EBIT VS OCF VS FCFPVBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

  • With a Return On Assets value of 0.69%, PVBC is not doing good in the industry: 66.07% of the companies in the same industry are doing better.
  • The Return On Equity of PVBC (4.46%) is worse than 79.43% of its industry peers.
Industry RankSector 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
PVBC Yearly ROA, ROE, ROICPVBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

  • PVBC has a Profit Margin of 17.93%. This is in the lower half of the industry: PVBC underperforms 71.21% of its industry peers.
  • PVBC's Profit Margin has declined in the last couple of years.
  • PVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
PVBC Yearly Profit, Operating, Gross MarginsPVBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

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4

2. PVBC Health Analysis

2.1 Basic Checks

  • PVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PVBC has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PVBC has less shares outstanding
  • 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.
PVBC Yearly Shares OutstandingPVBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PVBC Yearly Total Debt VS Total AssetsPVBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.06%
PVBC Yearly LT Debt VS Equity VS FCFPVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PVBC Yearly Current Assets VS Current LiabilitesPVBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PVBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 134.38% over the past year.
  • Measured over the past years, PVBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.31% on average per year.
  • Looking at the last year, PVBC shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 23.79% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 5.74% on average over the next years.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PVBC Yearly Revenue VS EstimatesPVBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
PVBC Yearly EPS VS EstimatesPVBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1 -1

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2

4. PVBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.00, the valuation of PVBC can be described as rather expensive.
  • PVBC's Price/Earnings ratio is a bit more expensive when compared to the industry. PVBC is more expensive than 78.66% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, PVBC is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 20.49, PVBC is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PVBC indicates a slightly more expensive valuation: PVBC is more expensive than 79.18% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, PVBC is valued at the same level.
Industry RankSector Rank
PE 18
Fwd PE 20.49
PVBC Price Earnings VS Forward Price EarningsPVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PVBC indicates a slightly more expensive valuation: PVBC is more expensive than 66.84% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.89
EV/EBITDA N/A
PVBC Per share dataPVBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PVBC's earnings are expected to grow with 23.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PVBC Dividend Analysis

5.1 Amount

  • PVBC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

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PVBC Fundamentals: All Metrics, Ratios and Statistics

PROVIDENT BANCORP INC

NASDAQ:PVBC (11/14/2025, 8:18:36 PM)

After market: 13.5 0 (0%)

13.5

+0.4 (+3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23
Earnings (Next)01-21
Inst Owners45.44%
Inst Owner Change0%
Ins Owners3.25%
Ins Owner Change-6.73%
Market Cap240.03M
Revenue(TTM)59.73M
Net Income(TTM)10.59M
Analysts43.33
Price Target12.75 (-5.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.7%
Min EPS beat(2)-41.8%
Max EPS beat(2)34.41%
EPS beat(4)2
Avg EPS beat(4)9.54%
Min EPS beat(4)-43.98%
Max EPS beat(4)89.54%
EPS beat(8)5
Avg EPS beat(8)-8.03%
EPS beat(12)6
Avg EPS beat(12)-78.79%
EPS beat(16)9
Avg EPS beat(16)-55.92%
Revenue beat(2)1
Avg Revenue beat(2)-1.61%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)2.99%
Revenue beat(4)3
Avg Revenue beat(4)-0.25%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)2.99%
Revenue beat(8)3
Avg Revenue beat(8)-3.16%
Revenue beat(12)5
Avg Revenue beat(12)-4%
Revenue beat(16)9
Avg Revenue beat(16)-0.99%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 18
Fwd PE 20.49
P/S 4.06
P/FCF 16.89
P/OCF 16.37
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)0.75
EY5.56%
EPS(NY)0.66
Fwd EY4.88%
FCF(TTM)0.8
FCFY5.92%
OCF(TTM)0.82
OCFY6.11%
SpS3.32
BVpS13.35
TBVpS13.35
PEG (NY)0.8
PEG (5Y)N/A
Graham Number15.01
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 4.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.93%
GM N/A
FCFM 24.04%
ROA(3y)-0.07%
ROA(5y)0.31%
ROE(3y)-0.75%
ROE(5y)1.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 47.66%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 134.13%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.06%
ROIC/WACCN/A
Cap/Depr(3y)29.68%
Cap/Depr(5y)1271.09%
Cap/Sales(3y)0.5%
Cap/Sales(5y)23.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)134.38%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%300%
EPS Next Y22.4%
EPS Next 2Y23.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.43%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%4.44%
Revenue Next Year6.62%
Revenue Next 2Y5.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.07%
FCF growth 3Y-21.58%
FCF growth 5Y0.47%
OCF growth 1Y-25.48%
OCF growth 3Y-21.2%
OCF growth 5Y-7.44%

PROVIDENT BANCORP INC / PVBC Fundamental Analysis 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.


Can you provide the profitability details for PROVIDENT BANCORP INC?

PROVIDENT BANCORP INC (PVBC) has a profitability rating of 2 / 10.


How financially healthy is PROVIDENT BANCORP INC?

The financial health rating of PROVIDENT BANCORP INC (PVBC) is 4 / 10.


What is the expected EPS growth for PROVIDENT BANCORP INC (PVBC) stock?

The Earnings per Share (EPS) of PROVIDENT BANCORP INC (PVBC) is expected to grow by 22.4% in the next year.