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PROVIDENT BANCORP INC (PVBC) Stock Fundamental Analysis

NASDAQ:PVBC - US74383L1052 - Common Stock

12.87 USD
+0.28 (+2.22%)
Last: 8/22/2025, 8:00:02 PM
12.87 USD
0 (0%)
After Hours: 8/22/2025, 8:00:02 PM
Fundamental Rating

3

PVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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. PVBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PVBC had positive earnings in the past year.
PVBC had a positive operating cash flow in the past year.
PVBC had positive earnings in 4 of the past 5 years.
Each year in the past 5 years PVBC had a positive operating cash flow.
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 2015 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 62.34% of its industry peers.
PVBC has a worse Return On Equity (4.46%) than 77.61% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

The Profit Margin of PVBC (17.92%) is worse than 68.19% of its industry peers.
PVBC's Profit Margin has declined in the last couple of years.
PVBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.92%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

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4

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.
PVBC Yearly Shares OutstandingPVBC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

PVBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.49%
PVBC Yearly LT Debt VS Equity VS FCFPVBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 46.51% over the past year.
The Earnings Per Share has been decreasing by -6.31% on average over the past years.
PVBC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.56%.
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)46.51%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%185%
Revenue 1Y (TTM)1.56%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%16.93%

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

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.
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 2014 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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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.43, PVBC is valued on the expensive side.
PVBC's Price/Earnings ratio is rather expensive when compared to the industry. PVBC is more expensive than 80.15% of the companies in the same industry.
When comparing the Price/Earnings ratio of PVBC to the average of the S&P500 Index (27.24), we can say PVBC is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 19.53, the valuation of PVBC can be described as rather expensive.
PVBC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PVBC is more expensive than 79.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PVBC to the average of the S&P500 Index (35.82), we can say PVBC is valued slightly cheaper.
Industry RankSector Rank
PE 20.43
Fwd PE 19.53
PVBC Price Earnings VS Forward Price EarningsPVBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PVBC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 16.1
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.
A more expensive valuation may be justified as PVBC's earnings are expected to grow with 23.79% in the coming years.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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PROVIDENT BANCORP INC

NASDAQ:PVBC (8/22/2025, 8:00:02 PM)

After market: 12.87 0 (0%)

12.87

+0.28 (+2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners46.32%
Inst Owner Change-0.22%
Ins Owners3.25%
Ins Owner Change0%
Market Cap228.83M
Analysts43.33
Price Target12.75 (-0.93%)
Short Float %1.77%
Short Ratio1.3
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)-3.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-21.21%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 20.43
Fwd PE 19.53
P/S 3.87
P/FCF 16.1
P/OCF 15.61
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)0.63
EY4.9%
EPS(NY)0.66
Fwd EY5.12%
FCF(TTM)0.8
FCFY6.21%
OCF(TTM)0.82
OCFY6.41%
SpS3.32
BVpS13.35
TBVpS13.35
PEG (NY)0.91
PEG (5Y)N/A
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) 17.92%
GM N/A
FCFM 24.05%
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
ROICexcg growth 3YN/A
ROICexcg 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 47.67%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 134.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.49%
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)46.51%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%185%
EPS Next Y22.4%
EPS Next 2Y23.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.56%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%16.93%
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-26.05%
FCF growth 3Y-21.58%
FCF growth 5Y0.47%
OCF growth 1Y-25.45%
OCF growth 3Y-21.2%
OCF growth 5Y-7.44%