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Provident Bancorp Inc (PVBC)
NASDAQ:PVBC
Total Valuation
Provident Bancorp has a market cap or net worth of $224.79M. The enterprise value is $230.49M.
Market Cap$224.79M
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 Insiders0.27%
Owned by Institutions3.40%
Financial Efficiency
Provident Bancorp’s return on equity (ROE) is 0.03 and return on invested capital (ROIC) is 2.56%.
Return on Equity (ROE)0.03
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)2.56%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee532.43K
Profits Per Employee41.08K
Employee Count177
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Provident Bancorp is 20.2. Provident Bancorp’s PEG ratio is -0.75.
PE Ratio20.2
PS Ratio2.02
PB Ratio0.83
Price to Fair Value0.83
Price to FCF16.54
Price to Operating Cash Flow14.35
PEG Ratio-0.75
Income Statement
In the last 12 months, Provident Bancorp had revenue of 94.24M and earned 7.27M in profits. Earnings per share was 0.43.
Revenue94.24M
Gross Profit54.27M
Operating Income9.38M
Pretax Income9.38M
Net Income7.27M
EBITDA10.46M
Earnings Per Share (EPS)0.43
Cash Flow
In the last 12 months, operating cash flow was 14.66M and capital expenditures -450.00K, giving a free cash flow of 14.21M billion.
Operating Cash Flow14.66M
Free Cash Flow14.21M
Free Cash Flow per Share0.80
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 Ratio―
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.58
52-Week Price Change17.88%
50-Day Moving Average12.66
200-Day Moving Average11.95
Relative Strength Index (RSI)53.10
Average Volume (3m)35.77K
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 0.13, with Debt / Equity ratio of 17.03%
Current Ratio0.13
Quick Ratio0.13
Debt to Market Cap0.23
Net Debt to EBITDA-11.55
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 6.69, with an EV/FCF ratio of 6.07.
EV to Sales0.74
EV to EBITDA6.69
EV to Free Cash Flow6.07
EV to Operating Cash Flow5.88
Balance Sheet
Provident Bancorp has $128.91M in cash and marketable securities with $40.43M in debt, giving a net cash position of $88.47M billion.
Cash & Marketable Securities$128.91M
Total Debt$40.43M
Net Cash$88.47M
Net Cash Per Share$4.97
Tangible Book Value Per Share$13.81
Margins
Gross margin is 62.57%, with operating margin of 9.95%, and net profit margin of 7.72%.
Gross Margin62.57%
Operating Margin9.95%
Pretax Margin9.95%
Net Profit Margin7.72%
EBITDA Margin11.09%
EBIT Margin9.95%
Analyst Forecast
The average price target for Provident Bancorp is $13.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$13.50
Price Target Upside7.23% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast-3.01%
EPS Growth Forecast48.26%