Provident Bancorp, Inc. (PVBC)

Provident Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	80.54	83.18	79.47	77.25	63.87	59.39
Interest Income on Investments	5.77	6.28	10.83	2.07	0.93	1.01
Total Interest Income	86.31	89.46	90.3	79.33	64.8	60.4
Interest Paid on Deposits	31.17	36.68	30.59	3.58	3.09	5.2
Interest Paid on Borrowings	1.91	2.29	1.54	0.72	0.29	0.73
Total Interest Expense	33.08	38.97	32.13	4.3	3.37	5.93
Net Interest Income	53.23	50.49	58.17	75.03	61.43	54.47
Net Interest Income Growth (YoY)	5.59%	-13.20%	-22.47%	22.13%	12.78%	25.54%
Other Non-Interest Income	3.74	3.1	3.4	2.95	2.59	2.21
Total Non-Interest Income	6.49	5.91	7.06	6.15	4.47	3.54
Non-Interest Income Growth (YoY)	4.17%	-16.27%	14.83%	37.62%	26.11%	-13.82%
Revenues Before Loan Losses	59.73	56.4	65.23	81.18	65.9	58.02
Provision for Loan Losses	-2.38	1	-0.68	56.43	3.89	5.6
Revenue	62.1	55.4	65.91	24.75	62.01	52.42
Revenue Growth (YoY)	12.27%	-15.95%	166.29%	-60.09%	18.31%	24.29%
Salaries and Employee Benefits	28.71	28.75	30.48	30.44	27.37	22.33
Federal Deposit Insurance	1.28	1.31	1.51	1.02	0.48	0.42
Amortization of Goodwill & Intangibles	2.23	2.36	2.01	1.45	1.01	0.96
Selling, General & Administrative	7.97	9.49	10.78	11.08	8.29	6.94
Other Non-Interest Expense	4.04	4.12	6.35	8.01	2.76	4.66
Total Non-Interest Expense	44.22	46.02	51.13	52.01	39.92	35.31
EBT Excluding Unusual Items	17.88	9.38	14.78	-27.26	22.09	17.11
Other Unusual Items	-	-	-	-	-	-0.5
Pretax Income	17.03	9.38	14.78	-27.26	22.09	16.61
Income Tax Expense	4.48	2.11	3.82	-5.79	5.95	4.63
Net Income	12.55	7.27	10.95	-21.47	16.14	11.99
Net Income to Common	12.55	7.27	10.95	-21.47	16.14	11.99
Net Income Growth	136.14%	-33.62%	-	-	34.66%	10.89%
Basic Shares Outstanding	17	17	17	16	17	18
Diluted Shares Outstanding	17	17	17	16	17	18
Shares Change (YoY)	1.32%	1.13%	0.68%	-4.74%	-4.57%	0.36%
EPS (Basic)	0.74	0.43	0.66	-1.30	0.96	0.66
EPS (Diluted)	0.74	0.43	0.66	-1.30	0.93	0.66
EPS Growth	131.87%	-34.85%	-	-	40.91%	10.00%
Dividend Per Share	-	-	-	0.120	0.150	0.090
Dividend Growth	-	-	-	-20.00%	66.67%	-
Effective Tax Rate	26.33%	22.49%	25.87%	-	26.95%	27.84%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q