Provident Bancorp Cash Flow 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 Income	12.55	7.27	10.95	-21.47	16.14	11.99
Depreciation & Amortization	0.99	1.2	1.25	1.29	1.21	1.36
Provision for Credit Losses	-2.38	1	-0.68	56.43	3.89	5.6
Stock-Based Compensation	2.47	2.11	2.09	3.15	3.96	1.93
Other Adjustments	0.54	-1.63	-0.66	-5.57	-1.9	-0.99
Changes in Accrued Interest and Accounts Receivable	1.04	0.79	0.51	-0.89	0.67	-3.27
Changes in Accrued Expenses	-	-0.8	-7.66	-	-	-
Changes in Other Operating Activities	5.7	1.95	-0.26	-11.03	0.35	1.57
Operating Cash Flow	16.43	11.9	5.55	21.91	24.31	18.18
Operating Cash Flow Growth	31.02%	114.27%	-74.65%	-9.90%	33.73%	3.84%
Net Change in Loans Held-for-Investment	139.14	15.8	97.87	-30.27	-145.6	-363.43
Net Change in Securities and Investments	5.35	3.95	1	0.86	-5.24	10.64
Capital Expenditures	-0.42	-0.37	-0.34	-0.26	-0.41	-0.91
Other Investing Activities	-	-	6.2	4.77	-4.47	-6.74
Investing Cash Flow	147.07	19.38	104.73	-22.34	-155.72	-360.45
Net Change in Deposits	-56.1	-22.26	51.64	-180.31	222.47	387.52
Long-Term Debt Issued	-	-	-	4.84	-	-
Long-Term Debt Repaid	-	-	-	-	-	-11.5
Net Long-Term Debt Issued (Repaid)	-	-	-	4.84	-	-11.5
Issuance of Common Stock	-	-0.02	-0.02	-0.11	-0.24	-
Repurchase of Common Stock	-	-0.06	-0.07	-2.97	-18.96	-7.96
Net Common Stock Issued (Repurchased)	-	-0.07	-0.09	-3.08	-19.2	-7.96
Common Dividends Paid	-	0.01	0.01	-1.99	-2.56	-1.64
Other Financing Activities	-112.13	-60.13	-22.13	108.49	-	-
Financing Cash Flow	-173.28	-82.47	29.42	-72.05	200.7	366.43
Net Cash Flow	-9.78	-51.19	139.7	-72.49	69.3	24.16
Beginning Cash & Cash Equivalents	138.67	220.33	80.63	153.12	83.82	59.66
Ending Cash & Cash Equivalents	128.88	169.14	220.33	80.63	153.12	83.82
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%
FCF Margin	25.77%	20.81%	7.91%	87.44%	38.11%	32.95%
Free Cash Flow Per Share	0.94	0.69	0.31	1.31	1.38	0.95
Levered Free Cash Flow	19.85	10.04	4.45	-27.52	17.95	-0.77
Unlevered Free Cash Flow	7.3	2.77	-6.5	-10.9	1.81	-1.25

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

SEC Filings: 10-K · 10-Q