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Provident Bancorp, Inc. (PVBC)
:PVBC
US Market
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Provident Bancorp (PVBC) Stock Statistics & Valuation Metrics

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Total Valuation

Provident Bancorp has a market cap or net worth of $224.61M. The enterprise value is $230.49M.
Market Cap$224.61M
Enterprise Value$230.49M

Share Statistics

Provident Bancorp has 17,784,048 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,784,048
Owned by Insiders0.53%
Owned by Institutions3.21%

Financial Efficiency

Provident Bancorp’s return on equity (ROE) is 0.03 and return on invested capital (ROIC) is 0.45%.
Return on Equity (ROE)0.03
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.45%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee312.28K
Profits Per Employee41.08K
Employee Count177
Asset Turnover0.03
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Provident Bancorp is 19.9. Provident Bancorp’s PEG ratio is ―.
PE Ratio19.9
PS Ratio0.00
PB Ratio0.00
Price to Fair Value0.83
Price to FCF0.00
Price to Operating Cash Flow5.48
PEG Ratio

Income Statement

In the last 12 months, Provident Bancorp had revenue of 55.27M and earned 7.27M in profits. Earnings per share was 0.43.
Revenue55.27M
Gross Profit55.40M
Operating Income9.38M
Pretax Income9.38M
Net Income7.27M
EBITDA0.00
Earnings Per Share (EPS)0.43

Cash Flow

In the last 12 months, operating cash flow was 16.53M and capital expenditures -262.00K, giving a free cash flow of 16.23M billion.
Operating Cash Flow16.53M
Free Cash Flow16.23M
Free Cash Flow per Share0.91

Dividends & Yields

Provident Bancorp pays an annual dividend of $0.04, resulting in a dividend yield of ―
Dividend Per Share$0.04
Dividend Yield
Payout RatioN/A
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.59
52-Week Price Change21.36%
50-Day Moving Average12.34
200-Day Moving Average11.64
Relative Strength Index (RSI)53.08
Average Volume (3m)80.97K

Important Dates

Provident Bancorp upcoming earnings date is Oct 23, 2025, After Close (Confirmed).
Last Earnings DateJul 24, 2025
Next Earnings DateOct 23, 2025
Ex-Dividend DateAug 11, 2022

Financial Position

Provident Bancorp as a current ratio of 4.98, with Debt / Equity ratio of 63.17%
Current Ratio4.98
Quick Ratio4.98
Debt to Market Cap0.26
Net Debt to EBITDA0.00
Interest Coverage Ratio0.24

Taxes

In the past 12 months, Provident Bancorp has paid 2.11M in taxes.
Income Tax2.11M
Effective Tax Rate0.22

Enterprise Valuation

Provident Bancorp EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 6.07.
EV to Sales1.27
EV to EBITDA0.00
EV to Free Cash Flow6.07
EV to Operating Cash Flow5.88

Balance Sheet

Provident Bancorp has $124.98M in cash and marketable securities with $131.36M in debt, giving a net cash position of $6.38M billion.
Cash & Marketable Securities$124.98M
Total Debt$131.36M
Net Cash$6.38M
Net Cash Per Share$0.36
Tangible Book Value Per Share$13.81

Margins

Gross margin is 100.00%, with operating margin of 16.97%, and net profit margin of 13.15%.
Gross Margin100.00%
Operating Margin16.97%
Pretax Margin16.97%
Net Profit Margin13.15%
EBITDA Margin0.00%
EBIT Margin16.97%

Analyst Forecast

The average price target for Provident Bancorp is $12.75, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$12.75
Price Target Upside2.00% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-3.01%
EPS Growth Forecast48.26%

Scores

Smart Score2
AI Score71
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