13.5 USD
+0.4 (+3.05%)
13.5 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to PVBC. PVBC was compared to 388 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.
In the past year PVBC had a positive cash flow from operations.
PVBC had positive earnings in 4 of the past 5 years.
In the past 5 years PVBC always reported a positive cash flow from operatings.
1.2 Ratios
PVBC has a Return On Assets of 0.69%. This is in the lower half of the industry: PVBC underperforms 66.07% of its industry peers.
PVBC has a worse Return On Equity (4.46%) than 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
The Profit Margin of PVBC (17.93%) is worse than 71.21% of its industry peers.
PVBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PVBC so they could not be analyzed.
| 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.
PVBC has more shares outstanding than it did 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.
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 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
PVBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 134.38%, which is quite impressive.
PVBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.31% yearly.
The Revenue has been growing slightly by 5.43% 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)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 18.00, PVBC is valued on the expensive side.
78.66% of the companies in the same industry are cheaper than PVBC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PVBC to the average of the S&P500 Index (26.61), we can say PVBC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 20.49, PVBC is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PVBC is valued a bit more expensive than the industry average as 79.18% of the companies are valued more cheaply.
PVBC is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 20.49 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PVBC is valued a bit more expensive than the industry average as 66.84% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.89 | ||
| 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.
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 |
13.5
+0.4 (+3.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.44%
Inst Owner Change5.29%
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 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 | 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 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) | 17.93% | ||
| 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 Rank | Sector 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 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 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 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%.