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PROVIDENT BANCORP INC (PVBC) Stock Fundamental Analysis

NASDAQ:PVBC - Nasdaq - US74383L1052 - Common Stock - Currency: USD

11.88  -0.01 (-0.08%)

After market: 11.88 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PVBC. PVBC was compared to 396 industry peers in the Banks industry. While PVBC seems to be doing ok healthwise, there are quite some concerns on its profitability. PVBC is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PVBC was profitable.
In the past year PVBC had a positive cash flow from operations.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

The Return On Assets of PVBC (0.29%) is worse than 85.35% of its industry peers.
PVBC's Return On Equity of 1.91% is on the low side compared to the rest of the industry. PVBC is outperformed by 86.87% of its industry peers.
Industry RankSector Rank
ROA 0.29%
ROE 1.91%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

PVBC has a Profit Margin of 7.85%. This is amonst the worse of the industry: PVBC underperforms 85.61% 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) 7.85%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

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4

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.
PVBC has less shares outstanding than it did 5 years ago.
PVBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PVBC Yearly Shares OutstandingPVBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC17.06%
PVBC Yearly LT Debt VS Equity VS FCFPVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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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4

3. Growth

3.1 Past

The earnings per share for PVBC have decreased strongly by -69.05% in the last year.
The Earnings Per Share has been decreasing by -6.31% on average over the past years.
The Revenue has decreased by -7.34% in the past year.
PVBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.50% yearly.
EPS 1Y (TTM)-69.05%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%-56.67%
Revenue 1Y (TTM)-7.34%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%2.98%

3.2 Future

Based on estimates for the next years, PVBC will show a very strong growth in Earnings Per Share. The EPS will grow by 23.79% on average per year.
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

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 2014 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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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 45.69, PVBC can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PVBC is valued more expensive than 87.12% of the companies in the same industry.
PVBC is valuated expensively when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
PVBC is valuated rather expensively with a Price/Forward Earnings ratio of 18.03.
77.78% of the companies in the same industry are cheaper than PVBC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.39, PVBC is valued at the same level.
Industry RankSector Rank
PE 45.69
Fwd PE 18.03
PVBC Price Earnings VS Forward Price EarningsPVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PVBC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.02
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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)2.04
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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PROVIDENT BANCORP INC

NASDAQ:PVBC (6/12/2025, 8:23:22 PM)

After market: 11.88 0 (0%)

11.88

-0.01 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners45.81%
Inst Owner Change-1.82%
Ins Owners3.18%
Ins Owner Change0%
Market Cap211.35M
Analysts43.33
Price Target12.75 (7.32%)
Short Float %0.8%
Short Ratio4.6
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)23.87%
Min EPS beat(2)-41.8%
Max EPS beat(2)89.54%
EPS beat(4)1
Avg EPS beat(4)-122.1%
Min EPS beat(4)-492.16%
Max EPS beat(4)89.54%
EPS beat(8)5
Avg EPS beat(8)-6.45%
EPS beat(12)6
Avg EPS beat(12)-80%
EPS beat(16)8
Avg EPS beat(16)-59.53%
Revenue beat(2)1
Avg Revenue beat(2)-2.5%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)1.2%
Revenue beat(4)2
Avg Revenue beat(4)-2.73%
Min Revenue beat(4)-6.96%
Max Revenue beat(4)1.2%
Revenue beat(8)2
Avg Revenue beat(8)-4.73%
Revenue beat(12)5
Avg Revenue beat(12)-3.58%
Revenue beat(16)9
Avg Revenue beat(16)-0.95%
PT rev (1m)-3.85%
PT rev (3m)-7.41%
EPS NQ rev (1m)13.76%
EPS NQ rev (3m)13.76%
EPS NY rev (1m)-22.99%
EPS NY rev (3m)-26.6%
Revenue NQ rev (1m)-0.66%
Revenue NQ rev (3m)-0.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.09%
Valuation
Industry RankSector Rank
PE 45.69
Fwd PE 18.03
P/S 3.72
P/FCF 13.02
P/OCF 12.79
P/B 0.9
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)0.26
EY2.19%
EPS(NY)0.66
Fwd EY5.55%
FCF(TTM)0.91
FCFY7.68%
OCF(TTM)0.93
OCFY7.82%
SpS3.19
BVpS13.16
TBVpS13.16
PEG (NY)2.04
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.29%
ROE 1.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.85%
GM N/A
FCFM 28.57%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 29.15%
Cap/Sales 0.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 363.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.06%
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)-69.05%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%-56.67%
EPS Next Y22.4%
EPS Next 2Y23.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.34%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%2.98%
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 1Y0.15%
FCF growth 3Y-21.58%
FCF growth 5Y0.47%
OCF growth 1Y-0.01%
OCF growth 3Y-21.2%
OCF growth 5Y-7.44%