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

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Each year in the past 5 years PVBC had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.69%, PVBC is not doing good in the industry: 66.07% of the companies in the same industry are doing better.
PVBC has a Return On Equity of 4.46%. This is in the lower half of the industry: PVBC underperforms 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

With a Profit Margin value of 17.93%, PVBC is not doing good in the industry: 71.21% of the companies in the same industry are doing better.
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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PVBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PVBC has been increased compared to 1 year ago.
The number of shares outstanding for PVBC has been reduced compared to 5 years ago.
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.

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 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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

PVBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 134.38%, which is quite impressive.
PVBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.31% yearly.
PVBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.43%.
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
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.00, PVBC is valued on the expensive side.
Based on the Price/Earnings ratio, PVBC is valued a bit more expensive than the industry average as 78.66% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of PVBC to the average of the S&P500 Index (28.30), we can say PVBC is valued slightly cheaper.
The Price/Forward Earnings ratio is 20.49, which indicates a rather expensive current valuation of PVBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PVBC indicates a slightly more expensive valuation: PVBC is more expensive than 79.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, PVBC is valued at the same level.

		Industry Rank	Sector Rank
PE	18
Fwd PE	20.49

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PVBC indicates a slightly more expensive valuation: PVBC is more expensive than 66.84% of the companies listed in the same industry.

		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.