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
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
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
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
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.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 22.24% | 23.44% | -234.37% | 34.46% | 30.38% | N/A | N/A |
| Revenue | 16.87% | 17.26% | 19.77% | 25.36% | 21.94% | N/A | N/A |
Health
Health Rating
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
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%)
| 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%) | ||
| Industry Rank | Sector 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 | ||
| 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% |
| Industry Rank | Sector 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 | ||
| Industry Rank | Sector 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 |
| Industry Rank | Sector 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 | ||
| 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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