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Provident Bancorp Inc (PVBC)
NASDAQ:PVBC
US Market
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Provident Bancorp (PVBC) AI Stock Analysis

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PVBC

Provident Bancorp

(NASDAQ:PVBC)

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Neutral 61 (OpenAI - 4o)
Rating:61Neutral
Price Target:
$13.50
▲(7.23% Upside)
Provident Bancorp's overall stock score is driven by its stable financial performance and conservative leverage, though it faces challenges in revenue and cash flow growth. Technical analysis indicates a lack of strong momentum, and valuation metrics suggest the stock is fairly valued. The absence of earnings call insights and corporate events limits additional context.

Provident Bancorp (PVBC) vs. SPDR S&P 500 ETF (SPY)

Provident Bancorp Business Overview & Revenue Model

Company DescriptionProvident 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 MoneyProvident 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 shows a stable financial position with strong cash flow management. However, declining profitability and inconsistent revenue growth present challenges. The balance sheet indicates moderate leverage, and there is a need for improved equity returns.
Income Statement
72
Positive
Provident Bancorp shows a mixed performance in its income statement. The TTM gross profit margin stands at 52.88%, indicating efficient cost management. However, the TTM net profit margin has decreased to 4.81% from 7.71% in the last annual report, reflecting declining profitability. Revenue growth is inconsistent, showing a decline in recent periods. Margins such as EBIT and EBITDA have also worsened over the last year, indicating operational challenges.
Balance Sheet
68
Positive
The balance sheet reveals a stable equity position with an equity ratio of 15.06% in TTM. The debt-to-equity ratio increased to 0.56 in TTM, signaling moderate leverage but within acceptable limits for a regional bank. Return on equity decreased to 1.91% in TTM, highlighting decreased efficiency in generating profits with shareholders' equity.
Cash Flow
65
Positive
Cash flow metrics present a promising outlook with a strong operating cash flow to net income ratio of 3.71 in TTM, indicating robust cash generation relative to profits. Free cash flow remains positive, with a growth rate of 40.85% from the last annual report, signaling efficient capital expenditure management and potential for reinvestment or debt reduction.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue92.73M94.24M96.20M84.55M69.27M63.95M
Gross Profit58.02M54.27M64.76M23.82M62.01M52.42M
EBITDA14.88M10.46M15.87M-26.16M23.12M17.70M
Net Income10.59M7.27M10.95M-21.47M16.14M11.98M
Balance Sheet
Total Assets1.54B1.59B1.67B1.64B1.73B1.51B
Cash, Cash Equivalents and Short-Term Investments128.91M169.14M248.90M109.23M189.95M116.03M
Total Debt40.43M48.42M108.87M131.11M17.89M17.99M
Total Liabilities1.30B1.36B1.45B1.43B1.50B1.27B
Stockholders Equity237.37M231.09M221.90M207.54M233.78M235.86M
Cash Flow
Free Cash Flow14.21M11.53M5.21M21.64M23.90M17.27M
Operating Cash Flow14.66M11.90M5.55M21.91M24.31M18.18M
Investing Cash Flow62.46M19.38M104.73M-22.34M-155.72M-360.45M
Financing Cash Flow-119.83M-82.47M29.42M-72.05M200.70M366.43M

Provident Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price12.59
Price Trends
50DMA
12.66
Negative
100DMA
12.44
Positive
200DMA
11.95
Positive
Market Momentum
MACD
-0.05
Negative
RSI
53.10
Neutral
STOCH
53.68
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 12.59 is above the 20-day moving average (MA) of 12.53, below the 50-day MA of 12.66, and above the 200-day MA of 11.95, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 53.10 is Neutral, neither overbought nor oversold. The STOCH value of 53.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PVBC.

Provident Bancorp Risk Analysis

Provident Bancorp disclosed 39 risk factors in its most recent earnings report. Provident Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Provident Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Outperform
$209.94M9.788.28%5.98%14.84%169.99%
70
Neutral
$224.71M9.0510.67%2.62%11.71%32.12%
70
Neutral
$224.65M9.3013.36%2.66%11.73%55.87%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
64
Neutral
$211.45M9.628.53%1.90%3.25%47.03%
61
Neutral
$224.79M20.164.59%-3.01%48.26%
57
Neutral
$201.97M31.762.70%3.94%16.39%-72.87%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PVBC
Provident Bancorp
12.59
1.97
18.55%
CFFI
C&F Financial
69.35
8.96
14.84%
FUNC
First United
36.98
6.65
21.93%
LCNB
LCNB
14.72
0.25
1.73%
ISTR
Investar Holding
23.14
3.39
17.16%
BPRN
Bank of Princeton
30.75
-4.39
-12.49%

Provident Bancorp Corporate Events

M&A TransactionsLegal Proceedings
Provident Bancorp Faces Legal Challenges Post-Merger Announcement
Negative
Sep 5, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 21, 2025