PROVIDENT BANCORP INC (PVBC)       9.37  -0.18 (-1.88%)

9.37  -0.18 (-1.88%)

US74383L1052 - Common Stock - After market: 9.37 0 (0%)


Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PVBC. PVBC was compared to 73 industry peers in the Thrifts & Mortgage Finance industry. Both the profitability and financial health of PVBC have multiple concerns. PVBC is evaluated to be cheap and growing strongly. This does not happen too often!

Note: PVBC has only limited data available, so a full analysis was not possible, which makes the total rating unfair.




Profitability

Profitability Rating

1

The Piotroski-F score of PVBC is 5.00. This is a neutral score and indicates average health and profitability for PVBC.

VS Industry

Valuation

Valuation Rating

7

The Forward Price/Earnings Ratio of 5.93 indicates a rather cheap valuation of PVBC.
PVBC's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
When comparing the current price to the book value of PVBC, it is valued rather cheaply. It is trading at 0.81 times its book value.

When comparing the price book ratio of PVBC to the average industry price book ratio of 1.05, PVBC is valued rather cheaply. PVBC is also cheaper than 81% of the companies listed in the same industry.
The Price/Earnings Ratio is negative for PVBC. In the last year negative earnings were reported.
VS Industry

Price/Book (0.81) VS Industry: 81% outperformed.

11.73
0.24

Growth

Growth Rating

8

PVBC shows a strong growth in Earnings Per Share. Measured over the last 5 years, the EPS has been growing by 22.24% yearly.
PVBC is expected to show a strong growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 30.38% yearly.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
Looking at the last year, PVBC shows a quite strong growth in Revenue. The Revenue has grown by 19.77% in the last year.

PVBC shows quite a strong growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 16.87% yearly.
Based on estimates for the next 5 years, PVBC will show a very strong growth in Revenue. The Revenue will grow by 21.94% on average per year.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
The earnings per share for PVBC have decreased strongly by -234.38% in the last year.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS22.24% 23.44% -234.37% 34.46% 30.38% N/A N/A
Revenue16.87% 17.26% 19.77% 25.36% 21.94% N/A N/A

Health

Health Rating

3

With a Debt to Equity ratio of 0.00, PVBC is doing better than the averages in the industry. The industry average is at 0.49.

The Piotroski-F score of PVBC is 5.00. This is a neutral score and indicates average health and profitability for PVBC.
VS Industry

Debt/Equity (0) VS Industry: 77% outperformed.

55.93
0.00

Dividend

Dividend Rating

1

With a Yearly Dividend Yield of 1.92%, PVBC has a reasonable but not impressive dividend return.
The stock price of PVBC dropped by -25.40% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.26, PVBC is paying slightly less dividend.

PVBC's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
The earnings of PVBC are negative and hence is the payout ratio. PVBC will probably not be able to sustain this dividend level.
PVBC does not have a reliable dividend history as it only pays dividend since a couple or years.
VS Industry

Dividend Yield (1.92%) VS Industry: 21% outperformed.

1.01
19.39

PROVIDENT BANCORP INC9.37

NASDAQ:PVBC (2/3/2023, 7:03:35 PM)-0.18 (-1.88%)

After market: 9.37 0 (0%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Banks
GICS Industry Thrifts & Mortgage Finance
Earnings (Last) 01-27 2023-01-27/amc Earnings (Next) 04-26 2023-04-26/amc
Inst Owners 43.1% Inst Owner Change 0.03%
Ins Owners 1.02% Ins Owner Change -3.8%
Market Cap 165.57M Analysts 43.33
Price Target 12.24 (30.63%)

Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Dividend Growth(5Y) N/A DP -12.96%
Div Incr Years N/A Div Non Decr Years N/A
Ex-Date N/A

Surprises & Revisions
EPS beat(2) 1 Avg EPS beat(2) -420.56%
Min EPS beat(2) -860.95% Max EPS beat(2) 19.83%
EPS beat(4) 2 Avg EPS beat(4) -209.53%
Min EPS beat(4) -860.95% Max EPS beat(4) 20.66%
Revenue beat(2) 2 Avg Revenue beat(2) 7.02%
Min Revenue beat(2) 6.05% Max Revenue beat(2) 7.99%
Revenue beat(4) 4 Avg Revenue beat(4) 6.42%
Min Revenue beat(4) 2.54% Max Revenue beat(4) 9.11%
PT rev (1m) 0% PT rev (3m) -33.33%
EPS NQ rev (1m) 0% EPS NQ rev (3m) 1.37%
EPS NY rev (1m) 0% EPS NY rev (3m) 2.34%
Revenue NQ rev (1m) 0% Revenue NQ rev (3m) 0%
Revenue NY rev (1m) 0% Revenue NY rev (3m) 0.93%

Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.93
P/S 2.12
P/FCF 6.89
P/OCF 6.8
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM) -1.29 EY N/A
EPS(NY) 1.58 Fwd EY 16.87%
FCF(TTM) 1.36 FCFY 14.51%
OCF(TTM) 1.38 OCFY 14.7%
SpS 4.42 BVpS 11.54
TBVpS 11.54 PEG (NY) N/A
PEG (5Y) N/A

Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM N/A
GM N/A
ROICexgc(3y) N/A ROICexcg growth 3Y N/A
ROICexcg growth 5Y N/A ROICexc(3y) N/A
ROICexc growth 3Y N/A ROICexc growth 5Y N/A
OM growth 3Y N/A OM growth 5Y N/A
PM growth 3Y 2.38% PM growth 5Y 3.15%
GM growth 3Y N/A GM growth 5Y N/A
F-Score 5 Asset Turnover 0.04

Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 29.99%
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score 5 WACC 8.69%
ROIC/WACC N/A Cap/Depr(3y) 2238.68%
Cap/Depr(5y) 1494.57% Profit Quality(3y) N/A
Profit Quality(5y) N/A

Growth
EPS 1Y -234.37% EPS 3Y 23.44%
EPS 5Y 22.24% EPS growth Q2Q -816.67%
EPS Next Y 34.46% EPS Next 2Y 30.38%
EPS Next 3Y N/A EPS Next 5Y N/A
Revenue growth 1Y 19.77% Revenue growth 3Y 17.26%
Revenue growth 5Y 16.87% Revenue growth Q2Q 21.79%
Revenue Next Year 25.36% Revenue Next 2Y 21.94%
Revenue Next 3Y N/A Revenue Next 5Y N/A
EBIT growth 1Y N/A EBIT growth 3Y N/A
EBIT growth 5Y N/A EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y 148.87% FCF growth 3Y 18.54%
FCF growth 5Y 25.29% OCF growth 1Y 24.52%
OCF growth 3Y 13.22% OCF growth 5Y 23.07%

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