PROVIDENT BANCORP INC (PVBC) Stock Fundamental Analysis
USA - NASDAQ:PVBC - US74383L1052 - Common Stock
12.64 USD
-0.11 (-0.86%)
12.64 USD
0 (0%)
PVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. PVBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PVBC is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PVBC was profitable.
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 has a worse Return On Assets (0.69%) than 63.08% of its industry peers.
With a Return On Equity value of 4.46%, PVBC is not doing good in the industry: 78.46% of the companies in the same industry are doing better.
| 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
PVBC has a Profit Margin of 17.92%. This is in the lower half of the industry: PVBC underperforms 69.49% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.92% | ||
| 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.
Compared to 1 year ago, PVBC has more shares outstanding
Compared to 5 years ago, PVBC has less shares outstanding
PVBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC16.48%
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.
The Revenue has been growing slightly by 5.43% in the past 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
Based on estimates for the next years, PVBC will show a small growth in Revenue. The Revenue will grow by 5.74% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.85, PVBC is valued correctly.
PVBC's Price/Earnings ratio is a bit more expensive when compared to the industry. PVBC is more expensive than 75.38% of the companies in the same industry.
PVBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
The Price/Forward Earnings ratio is 19.18, which indicates a rather expensive current valuation of PVBC.
Based on the Price/Forward Earnings ratio, PVBC is valued a bit more expensive than the industry average as 78.21% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.53, PVBC is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.85 | ||
| Fwd PE | 19.18 |
4.2 Price Multiples
PVBC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PVBC is more expensive than 63.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.81 | ||
| EV/EBITDA | N/A |
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)0.75
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PVBC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
12.64
-0.11 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.44%
Inst Owner Change-0.1%
Ins Owners3.25%
Ins Owner Change0%
Market Cap224.74M
Revenue(TTM)59.73M
Net Income(TTM)10.59M
Analysts43.33
Price Target12.75 (0.87%)
Short Float %2.85%
Short Ratio13.32
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.85 | ||
| Fwd PE | 19.18 | ||
| P/S | 3.8 | ||
| P/FCF | 15.81 | ||
| P/OCF | 15.33 | ||
| P/B | 0.95 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY5.93%
EPS(NY)0.66
Fwd EY5.21%
FCF(TTM)0.8
FCFY6.32%
OCF(TTM)0.82
OCFY6.52%
SpS3.32
BVpS13.35
TBVpS13.35
PEG (NY)0.75
PEG (5Y)N/A
Graham Number15.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 4.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.92% | ||
| GM | N/A | ||
| FCFM | 24.05% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 47.67% | ||
| Cap/Sales | 0.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 134.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.48%
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-26.05%
FCF growth 3Y-21.58%
FCF growth 5Y0.47%
OCF growth 1Y-25.45%
OCF growth 3Y-21.2%
OCF growth 5Y-7.44%
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 for PVBC stock?
ChartMill assigns a valuation rating of 3 / 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 earnings growth outlook for PROVIDENT BANCORP INC?
The Earnings per Share (EPS) of PROVIDENT BANCORP INC (PVBC) is expected to grow by 22.4% in the next year.
Is the dividend of PROVIDENT BANCORP INC sustainable?
The dividend rating of PROVIDENT BANCORP INC (PVBC) is 0 / 10 and the dividend payout ratio is 0%.