Provident Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	53.23	50.49	58.17	75.03	61.43	54.47
Net Interest Income Growth	5.59%	-13.20%	-22.47%	22.13%	12.78%	25.54%
Non-Interest Income	6.49	5.91	7.06	6.15	5.17	3.54
Non-Interest Income Growth	4.17%	-16.27%	14.83%	19.03%	45.81%	-13.82%
Revenues Before Loan Losses	59.73	56.4	65.23	81.18	66.6	58.02
Provision for Credit Losses	-2.37	0.89	0.86	56.41	3.89	5.6
Revenue	62.1	55.52	64.37	24.77	62.71	52.42
Revenue Growth (YoY)	12.32%	-13.75%	159.87%	-60.50%	19.64%	24.29%
Compensation Expenses	30.41	30.45	31.94	32.76	29.77	23.93
Selling, General & Admin	10.57	11.27	12.48	11.15	7.6	6.31
Other Non-Interest Expenses	4.09	4.3	6.71	8.1	3.25	5.57
Total Non-Interest Expense	45.07	46.02	51.13	52.01	40.62	35.81
Pretax Income	17.03	9.38	14.78	-27.26	22.09	16.61
Provision for Income Taxes	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%
Shares Outstanding (Basic)	17	17	17	16	17	18
Shares Outstanding (Diluted)	17	17	17	16	17	18
Shares Change (YoY)	1.40%	1.13%	0.68%	-4.74%	-4.57%	0.36%
EPS (Basic)	0.75	0.43	0.66	-1.30	0.96	0.66
EPS (Diluted)	0.75	0.43	0.66	-1.30	0.93	0.66
EPS Growth	134.38%	-34.85%	-	-	40.91%	10.00%
Free Cash Flow	16.01	11.53	5.21	21.64	23.9	17.27
Free Cash Flow Growth	38.87%	121.10%	-75.91%	-9.45%	38.40%	53.33%
Free Cash Flow Per Share	0.94	0.69	0.31	1.31	1.38	0.95
Dividends Per Share	-	-	-	0.120	0.150	0.090
Dividend Growth	-	-	-	-20.00%	66.67%	-
Profit Margin	20.20%	13.12%	16.62%	-86.74%	25.74%	22.86%
FCF Margin	25.77%	20.81%	7.91%	87.44%	38.11%	32.95%
EBITDA	0.99	1.2	1.25	1.29	1.21	1.36
EBITDA Margin	1.60%	2.16%	1.90%	5.20%	1.92%	2.59%
Effective Tax Rate	26.33%	22.49%	25.87%	21.24%	26.95%	27.84%

Updated Oct 23, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q