US74383L1052 - Common Stock

Overall **PVBC** gets a fundamental rating of **3** out of 10. We evaluated **PVBC** against 411 industry peers in the **Banks** industry. While **PVBC** seems to be doing ok healthwise, there are quite some concerns on its profitability. **PVBC** is valued expensive and it does not seem to be growing.

Of the past 5 years **PVBC** 4 years were profitable.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.66% | ||

ROE | 4.94% | ||

ROIC | N/A |

ROA(3y)0.09%

ROA(5y)0.41%

ROE(3y)0.5%

ROE(5y)2.25%

ROIC(3y)N/A

ROIC(5y)N/A

With a **Profit Margin** value of **16.79%**, **PVBC** is not doing good in the industry: **76.16%** of the companies in the same industry are doing better.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | N/A | ||

PM (TTM) | 16.79% | ||

GM | N/A |

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.69%

PM growth 5Y-5.76%

GM growth 3YN/A

GM growth 5YN/A

Compared to 5 years ago, **PVBC** has less shares outstanding

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

WACC15.49%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

Measured over the past 5 years, **PVBC** shows a small growth in **Earnings Per Share**. The EPS has been growing by **5.71%** on average per year.

Measured over the past years, **PVBC** shows a quite strong growth in **Revenue**. The Revenue has been growing by **9.57%** on average per year.

EPS 1Y (TTM)150%

EPS 3Y0%

EPS 5Y5.71%

EPS growth Q2Q12.5%

Revenue 1Y (TTM)-19.65%

Revenue growth 3Y3.99%

Revenue growth 5Y9.57%

Revenue growth Q2Q-26.48%

Based on estimates for the next years, **PVBC** will show a very negative growth in **Earnings Per Share**. The EPS will decrease by **-18.16%** on average per year.

The **Revenue** is expected to decrease by **-0.54%** on average over the next years.

EPS Next Y-61.94%

EPS Next 2Y-18.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-8.09%

Revenue Next 2Y-0.54%

Revenue Next 3YN/A

Revenue Next 5YN/A

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.

Based on the **Price/Earnings** ratio, **PVBC** is valued a bit more expensive than 73.24% of the companies in the same industry.

The average S&P500 **Price/Earnings** ratio is at **25.25**. **PVBC** is valued slightly cheaper when compared to this.

Based on the **Price/Forward Earnings** ratio of **33.88**, the valuation of **PVBC** can be described as expensive.

Based on the **Price/Forward Earnings** ratio, **PVBC** is valued a bit more expensive than 78.59% of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 12.9 | ||

Fwd PE | 33.88 |

Based on the **Price/Free Cash Flow** ratio, **PVBC** is valued expensively inside the industry as 82.24% of the companies are valued cheaper.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 29.27 | ||

EV/EBITDA | N/A |

A cheap valuation may be justified as **PVBC**'s earnings are expected to decrease with **-18.16%** in the coming years.

PEG (NY)N/A

PEG (5Y)2.26

EPS Next 2Y-18.16%

EPS Next 3YN/A

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | N/A |

**PROVIDENT BANCORP INC**

NASDAQ:PVBC (4/24/2024, 7:24:42 PM)

After market: 8.64 0 (0%)**8.64**

**+0.53 (+6.54%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap152.58M

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | N/A |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 12.9 | ||

Fwd PE | 33.88 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)2.26

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.66% | ||

ROE | 4.94% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | N/A | ||

PM (TTM) | 16.79% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)150%

EPS 3Y0%

EPS 5Y

EPS growth Q2Q

EPS Next Y-61.94%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-19.65%

Revenue growth 3Y3.99%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y