13.5 USD
+0.4 (+3.05%)
13.5 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to PVBC. PVBC was compared to 387 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.
1. Profitability
1.1 Basic Checks
In the past year PVBC was profitable.
PVBC had a positive operating cash flow in the past year.
PVBC had positive earnings in 4 of the past 5 years.
PVBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.69%, PVBC is doing worse than 66.07% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.46%, PVBC is doing worse than 79.43% of the companies in the same industry.
| 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
PVBC has a worse Profit Margin (17.93%) than 71.21% 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 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.
PVBC has more shares outstanding than it did 1 year ago.
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
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 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 134.38% over the past year.
The Earnings Per Share has been decreasing by -6.31% on average over the past years.
The Revenue has been growing slightly by 5.43% in the past year.
The Revenue has been growing slightly by 3.50% on average over the past years.
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.
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
The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 18.00, PVBC is valued on the expensive side.
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 26.60, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 20.49, the valuation of PVBC can be described as rather expensive.
79.18% of the companies in the same industry are cheaper than PVBC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PVBC to the average of the S&P500 Index (23.23), 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 66.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.89 | ||
| EV/EBITDA | N/A |
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.
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)
Earnings (Next)
Inst Owners45.44%
Inst Owner Change0%
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%.