Logo image of PVBC

PROVIDENT BANCORP INC (PVBC) Stock Fundamental Analysis

USA - NASDAQ:PVBC - US74383L1052 - Common Stock

12.69 USD
-0.06 (-0.47%)
Last: 9/16/2025, 8:00:01 PM
12.69 USD
0 (0%)
After Hours: 9/16/2025, 8:00:01 PM
Fundamental Rating

3

PVBC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 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 quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

PVBC had positive earnings in the past year.
In the past year PVBC had a positive cash flow from operations.
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 Return On Assets of 0.69%. This is in the lower half of the industry: PVBC underperforms 62.24% of its industry peers.
PVBC's Return On Equity of 4.46% is on the low side compared to the rest of the industry. PVBC is outperformed by 77.55% 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

PVBC has a worse Profit Margin (17.92%) than 67.60% of its industry peers.
In the last couple of years the Profit Margin of PVBC has declined.
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) 17.92%
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

More info and screens

4

2. Health

2.1 Basic Checks

PVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
PVBC has more shares outstanding than it did 1 year ago.
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 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
WACC16.41%
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

More info and screens

5

3. Growth

3.1 Past

PVBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 46.51%, which is quite impressive.
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 1.56% 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)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

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.14, which indicates a rather expensive current valuation of PVBC.
79.59% of the companies in the same industry are cheaper than PVBC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.20. PVBC is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 19.26, the valuation of PVBC can be described as rather expensive.
Based on the Price/Forward Earnings ratio, PVBC is valued a bit more expensive than the industry average as 78.06% of the companies are valued more cheaply.
PVBC is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.14
Fwd PE 19.26
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

The rest of the industry has a similar Price/Free Cash Flow ratio as PVBC.
Industry RankSector Rank
P/FCF 15.87
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)0.9
PEG (5Y)N/A
EPS Next 2Y23.79%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

PROVIDENT BANCORP INC

NASDAQ:PVBC (9/16/2025, 8:00:01 PM)

After market: 12.69 0 (0%)

12.69

-0.06 (-0.47%)

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 Cap225.63M
Analysts43.33
Price Target12.75 (0.47%)
Short Float %1.79%
Short Ratio4.7
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)-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 20.14
Fwd PE 19.26
P/S 3.82
P/FCF 15.87
P/OCF 15.39
P/B 0.95
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)0.63
EY4.96%
EPS(NY)0.66
Fwd EY5.19%
FCF(TTM)0.8
FCFY6.3%
OCF(TTM)0.82
OCFY6.5%
SpS3.32
BVpS13.35
TBVpS13.35
PEG (NY)0.9
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
WACC16.41%
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%