Provident Bancorp (PVBC) AI Stock Analysis

• Market Cap: $225.15M
• Dividend Yield: N/A
• Average Volume (3M): 35.77K
• Price to Earnings (P/E): 17.1
• Beta (1Y): 0.63
• Revenue Growth: -3.46%
• EPS Growth: 133.45%
• Country: US
• Employees: 177
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.16
• Shares Outstanding: 17,784,048
• 10 Day Avg. Volume: 42,617
• 30 Day Avg. Volume: 35,767
• PEG Ratio: -0.75
• Price to Book (P/B): 0.83
• Price to Sales (P/S): 2.02
• P/FCF Ratio: 16.54
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 2.64
• Enterprise Value/Gross Profit: 14.15
• Enterprise Value/Ebitda: 12.81
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Neutral
• Price Target: $14.00 ▲(9.37% Upside)

Provident Bancorp's stable financial performance and positive technical indicators are the primary strengths, contributing significantly to the score. However, challenges such as declining revenue growth and the absence of a dividend yield slightly offset these positives.

Provident Bancorp Business Overview & Revenue Model

Company Description

Provident Bancorp, Inc. (PVBC) is a publicly traded bank holding company based in the United States, primarily engaged in providing a range of banking and financial services through its wholly-owned subsidiary, Provident Bank. The company operates in the banking sector, offering services such as commercial and residential real estate loans, consumer loans, and various deposit products including checking accounts, savings accounts, and certificates of deposit. Provident Bancorp focuses on serving individuals, businesses, and communities, with an emphasis on delivering personalized banking solutions.

How the Company Makes Money

Provident Bancorp generates revenue primarily through the interest earned on loans and investments, which constitutes its main revenue stream. The bank provides a variety of loans, including commercial loans, real estate loans, and consumer loans, charging interest that contributes significantly to its income. Additionally, the company earns revenue from fees associated with deposit accounts, transaction services, and other banking services. Other revenue streams may include gains from the sale of investment securities. The bank also engages in strategic partnerships with local businesses and community organizations to enhance its service offerings and expand its customer base, further contributing to its earnings.

Provident Bancorp Financial Statement Overview

Summary

Provident Bancorp exhibits a stable financial position with strong cash flow management and low leverage. However, declining revenue growth and gross profit margins pose challenges. The company should focus on improving revenue streams and cost efficiency to enhance profitability.

Income Statement

Provident Bancorp's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 5.76%, which is concerning. However, the company maintains a healthy net profit margin of 14.36% and an EBIT margin of 19.49%. The gross profit margin has decreased significantly from previous years, indicating potential cost management issues.

Balance Sheet

The balance sheet reflects a strong equity position with a low debt-to-equity ratio of 0.055, indicating low leverage. Return on equity is moderate at 5.32%, suggesting efficient use of equity to generate profits. The equity ratio remains stable, showing a solid financial structure.

Cash Flow

Cash flow analysis reveals a positive trajectory with a 15.36% growth in free cash flow. The operating cash flow to net income ratio is robust at 4.89, indicating strong cash generation relative to net income. The free cash flow to net income ratio is nearly 1, demonstrating efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	87.39M	94.24M	96.20M	84.55M	69.27M	63.95M
Gross Profit	16.29M	54.27M	64.76M	23.82M	62.01M	52.42M
EBITDA	17.99M	10.46M	15.87M	-26.16M	23.12M	17.70M
Net Income	12.55M	7.27M	10.95M	-21.47M	16.14M	11.98M
Balance Sheet
Total Assets	1.49B	1.59B	1.67B	1.64B	1.73B	1.51B
Cash, Cash Equivalents and Short-Term Investments	128.88M	169.14M	248.90M	109.23M	189.95M	116.03M
Total Debt	13.36M	48.42M	108.87M	131.11M	17.89M	17.99M
Total Liabilities	1.25B	1.36B	1.45B	1.43B	1.50B	1.27B
Stockholders Equity	241.03M	231.09M	221.90M	207.54M	233.78M	235.86M
Cash Flow
Free Cash Flow	16.40M	11.53M	5.21M	21.64M	23.90M	17.27M
Operating Cash Flow	16.43M	11.90M	5.55M	21.91M	24.31M	18.18M
Investing Cash Flow	147.06M	19.38M	104.73M	-22.34M	-155.72M	-360.45M
Financing Cash Flow	-173.28M	-82.47M	29.42M	-72.05M	200.70M	366.43M

Provident Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PVBC, the sentiment is Positive. The current price of 12.8 is above the 20-day moving average (MA) of 12.67, above the 50-day MA of 12.66, and above the 200-day MA of 12.09, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 56.48 is Neutral, neither overbought nor oversold. The STOCH value of 77.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PVBC.

Provident Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	74 Outperform	$225.54M	8.61	10.89%	2.57%	8.53%	42.73%
LCNB	72 Outperform	$220.60M	9.34	8.97%	5.68%	5.07%	228.39%
BPRN	70 Outperform	$216.81M	12.50	6.73%	3.74%	12.92%	56.52%
PVBC	70 Neutral	$225.15M	17.09	5.37%	―	-3.46%	133.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUNC	67 Neutral	$232.33M	9.32	13.36%	2.54%	11.72%	55.87%
ISTR	64 Neutral	$229.43M	10.45	8.53%	1.80%	-0.34%	27.03%

Provident Bancorp Corporate Events

Provident Bancorp, Inc. Reports Q3 2025 Earnings

Provident Bancorp, Inc., the holding company for BankProv, is a full-service commercial bank based in Massachusetts, known for combining traditional banking services with innovative financial solutions across its branches in the Northeastern United States.

Provident Bancorp Stockholders Approve Merger with NB Bancorp

On September 16, 2025, Provident Bancorp, Inc. held a Special Meeting of Stockholders to vote on proposals related to its acquisition by NB Bancorp, Inc. The stockholders approved the merger agreement, which includes the merger of 1828 MS, Inc. into Provident Bancorp, with Provident as the surviving entity. Additionally, an advisory vote was held on compensation for the company’s executive officers in connection with the merger.

The most recent analyst rating on (PVBC) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on Provident Bancorp stock, see the PVBC Stock Forecast page.

Provident Bancorp Faces Legal Challenges Post-Merger Announcement

On June 5, 2025, NB Bancorp, Inc. and its subsidiary Needham Bank entered into a merger agreement with Provident Bancorp, Inc. and its subsidiary BankProv. This transaction involves a series of mergers, with Needham ultimately acquiring Provident and BankProv. However, following the announcement, Provident faced lawsuits and demand letters from stockholders alleging false and misleading proxy statements. Provident denies these allegations but has made additional disclosures to avoid litigation delays and costs.

The most recent analyst rating on (PVBC) stock is a Buy with a $13.00 price target. To see the full list of analyst forecasts on Provident Bancorp stock, see the PVBC Stock Forecast page.