13.5 USD
+0.4 (+3.05%)
13.5 USD
0 (0%)
Overall PVBC gets a fundamental rating of 3 out of 10. We evaluated PVBC against 383 industry peers in the Banks industry. PVBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, PVBC is valued expensive at the moment.
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.
- Of the past 5 years PVBC 4 years were profitable.
- PVBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of PVBC (0.69%) is worse than 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.
- Compared to 1 year ago, PVBC has more shares outstanding
- The number of shares outstanding for PVBC has been reduced compared to 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
- The Earnings Per Share has grown by an impressive 134.38% over the past year.
- 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.
- 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
- PVBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.79% yearly.
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 18.00, which indicates a rather expensive current valuation of PVBC.
- 78.66% of the companies in the same industry are cheaper than PVBC, based on the Price/Earnings ratio.
- PVBC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 20.49, which indicates a rather expensive current valuation of PVBC.
- Based on the Price/Forward Earnings ratio, PVBC is valued a bit more expensive than 79.18% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of PVBC to the average of the S&P500 Index (24.29), we can say PVBC is valued inline with the index average.
| 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.
- 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
5. Dividend
5.1 Amount
- No dividends for PVBC!.
| 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)10-23 2025-10-23/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners45.44%
Inst Owner Change-0.37%
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 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%.