PROVIDENT BANCORP INC (PVBC) Fundamental Analysis & Valuation

NASDAQ:PVBC • US74383L1052

13.5 USD
+0.4 (+3.05%)
At close: Nov 14, 2025
13.5 USD
0 (0%)
After Hours: 11/14/2025, 8:18:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PVBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall PVBC gets a fundamental rating of 3 out of 10. We evaluated PVBC against 381 industry peers in the Banks industry. While PVBC seems to be doing ok healthwise, there are quite some concerns on its profitability. PVBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. PVBC Profitability Analysis

1.1 Basic Checks

  • In the past year PVBC was profitable.
  • PVBC had a positive operating cash flow in the past year.
  • Of the past 5 years PVBC 4 years were profitable.
  • PVBC had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

  • PVBC has a worse Return On Assets (0.69%) than 66.07% of its industry peers.
  • The Return On Equity of PVBC (4.46%) is worse than 79.43% of its industry peers.
Industry RankSector 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
PVBC Yearly ROA, ROE, ROICPVBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

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 RankSector 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
PVBC Yearly Profit, Operating, Gross MarginsPVBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PVBC Health Analysis

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
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.06%
PVBC Yearly LT Debt VS Equity VS FCFPVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PVBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 134.38% over the past year.
  • Measured over the past years, PVBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.31% on average per year.
  • Looking at the last year, PVBC shows a small growth in Revenue. The Revenue has grown by 5.43% in the last 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
  • The Revenue is expected to grow by 5.74% on average over the next years.
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 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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Find the best growth stocksShow best growing peers

2

4. PVBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.00, which indicates a rather expensive current valuation of PVBC.
  • Based on the Price/Earnings ratio, PVBC is valued a bit more expensive than 78.66% of the companies in the same industry.
  • PVBC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 20.49 indicates a rather expensive valuation of PVBC.
  • 79.18% of the companies in the same industry are cheaper than PVBC, based on the Price/Forward Earnings ratio.
  • PVBC's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 18
Fwd PE 20.49
PVBC Price Earnings VS Forward Price EarningsPVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 16.89
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

  • PVBC's 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)0.8
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PVBC Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

PVBC Fundamentals: All Metrics, Ratios and Statistics

PROVIDENT BANCORP INC

NASDAQ:PVBC (11/14/2025, 8:18:36 PM)

After market: 13.5 0 (0%)

13.5

+0.4 (+3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23
Earnings (Next)01-21
Inst Owners45.44%
Inst Owner Change-88.58%
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 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)-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 RankSector 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 RankSector 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 RankSector 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 of PROVIDENT BANCORP INC (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 financial health of PROVIDENT BANCORP INC (PVBC) stock?

The financial health rating of PROVIDENT BANCORP INC (PVBC) is 4 / 10.


Can you provide the dividend sustainability for PVBC stock?

The dividend rating of PROVIDENT BANCORP INC (PVBC) is 0 / 10 and the dividend payout ratio is 0%.