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PROVIDENT BANCORP INC (PVBC) Stock Fundamental Analysis

NASDAQ:PVBC - Nasdaq - US74383L1052 - Common Stock - Currency: USD

11.6  +0.18 (+1.58%)

After market: 11.6 0 (0%)

Fundamental Rating

3

Taking everything into account, PVBC scores 3 out of 10 in our fundamental rating. PVBC was compared to 398 industry peers in the Banks industry. The financial health of PVBC is average, but there are quite some concerns on its profitability. While showing a medium growth rate, PVBC is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

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.
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.
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

The Return On Assets of PVBC (0.46%) is worse than 77.39% of its industry peers.
The Return On Equity of PVBC (3.15%) is worse than 84.42% of its industry peers.
Industry RankSector Rank
ROA 0.46%
ROE 3.15%
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's Profit Margin of 12.89% is on the low side compared to the rest of the industry. PVBC is outperformed by 79.15% 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) 12.89%
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.
The number of shares outstanding for PVBC has been increased compared to 1 year ago.
Compared to 5 years ago, PVBC has less shares outstanding
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
WACC13.2%
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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4

3. Growth

3.1 Past

PVBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.82%.
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.
The Revenue for PVBC has decreased by -13.55% in the past year. This is quite bad
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)-35.82%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%61.11%
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%-1.6%

3.2 Future

Based on estimates for the next years, PVBC will show a very strong growth in Earnings Per Share. The EPS will grow by 42.83% on average per year.
Based on estimates for the next years, PVBC will show a small growth in Revenue. The Revenue will grow by 6.83% on average per year.
EPS Next Y58.93%
EPS Next 2Y42.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.94%
Revenue Next 2Y6.83%
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

Based on the Price/Earnings ratio of 26.98, the valuation of PVBC can be described as expensive.
83.67% of the companies in the same industry are cheaper than PVBC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.92, PVBC is valued at the same level.
A Price/Forward Earnings ratio of 16.97 indicates a correct valuation of PVBC.
74.62% of the companies in the same industry are cheaper than PVBC, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.65. PVBC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 26.98
Fwd PE 16.97
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

Based on the Price/Free Cash Flow ratio, PVBC is valued a bit more expensive than 69.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.9
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

The 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 42.83% in the coming years.
PEG (NY)0.46
PEG (5Y)N/A
EPS Next 2Y42.83%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PVBC!.
Industry RankSector Rank
Dividend Yield N/A

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PROVIDENT BANCORP INC

NASDAQ:PVBC (4/24/2025, 8:00:02 PM)

After market: 11.6 0 (0%)

11.6

+0.18 (+1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners45.81%
Inst Owner Change-0.01%
Ins Owners3.18%
Ins Owner Change0.18%
Market Cap206.36M
Analysts43.33
Price Target13.26 (14.31%)
Short Float %0.59%
Short Ratio3.79
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)22.78%
Min EPS beat(2)-43.98%
Max EPS beat(2)89.54%
EPS beat(4)2
Avg EPS beat(4)-31.61%
Min EPS beat(4)-492.16%
Max EPS beat(4)320.17%
EPS beat(8)5
Avg EPS beat(8)-3.76%
EPS beat(12)7
Avg EPS beat(12)-74.8%
EPS beat(16)9
Avg EPS beat(16)-52.27%
Revenue beat(2)2
Avg Revenue beat(2)1.11%
Min Revenue beat(2)1.02%
Max Revenue beat(2)1.2%
Revenue beat(4)2
Avg Revenue beat(4)-3.1%
Min Revenue beat(4)-7.68%
Max Revenue beat(4)1.2%
Revenue beat(8)2
Avg Revenue beat(8)-6.41%
Revenue beat(12)6
Avg Revenue beat(12)-2.85%
Revenue beat(16)10
Avg Revenue beat(16)0.17%
PT rev (1m)0%
PT rev (3m)12.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-4.69%
EPS NY rev (3m)55.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.98%
Revenue NY rev (3m)2.87%
Valuation
Industry RankSector Rank
PE 26.98
Fwd PE 16.97
P/S 3.66
P/FCF 17.9
P/OCF 17.35
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)0.43
EY3.71%
EPS(NY)0.68
Fwd EY5.89%
FCF(TTM)0.65
FCFY5.59%
OCF(TTM)0.67
OCFY5.76%
SpS3.17
BVpS12.99
TBVpS12.99
PEG (NY)0.46
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 3.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.89%
GM N/A
FCFM 20.44%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 34.45%
Cap/Sales 0.66%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 158.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.2%
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)-35.82%
EPS 3Y-22.67%
EPS 5Y-6.31%
EPS Q2Q%61.11%
EPS Next Y58.93%
EPS Next 2Y42.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-5.39%
Revenue growth 5Y3.5%
Sales Q2Q%-1.6%
Revenue Next Year8.94%
Revenue Next 2Y6.83%
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 1Y121.1%
FCF growth 3Y-21.58%
FCF growth 5Y0.47%
OCF growth 1Y114.27%
OCF growth 3Y-21.2%
OCF growth 5Y-7.44%