Provident Bancorp, Inc. (PVBC)

Provident Bancorp Cash Flow 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	10.59	7.27	10.95	-21.47	16.14	11.99
Depreciation & Amortization	0.94	1.07	1.1	1.1	1.03	1.09
Gain (Loss) on Sale of Assets	-	-	-0.15	0.03	-	-
Gain (Loss) on Sale of Investments	0.11	0.13	0.16	0.19	0.18	0.27
Provision for Credit Losses	-0.26	1	-0.68	56.43	3.89	5.6
Accrued Interest Receivable	1.52	0.79	0.51	-0.89	0.67	-3.27
Change in Other Net Operating Assets	0.03	1.27	-7.81	-10.92	0.45	1.65
Other Operating Activities	0.36	-0.71	0.64	-7.13	-1.87	-3.09
Operating Cash Flow	14.66	11.9	5.55	21.91	24.31	18.18
Operating Cash Flow Growth	165.88%	114.27%	-74.65%	-9.90%	33.73%	3.84%
Capital Expenditures	-0.45	-0.37	-0.34	-0.26	-0.41	-67.87
Investment in Securities	2.77	2.59	0.79	4.34	-5.35	10.11
Net Decrease (Increase) in Loans Originated / Sold - Investing	57.26	15.8	97.87	-27.71	-145.6	-296.47
Other Investing Activities	2.88	1.36	6.41	1.29	-4.36	-6.22
Investing Cash Flow	62.46	19.38	104.73	-22.34	-155.72	-360.45
Short-Term Debt Issued	-	-	-	108.5	-	-
Long-Term Debt Issued	-	-	-	4.84	-	-
Total Debt Issued	-43	-	-	113.34	-	-
Short-Term Debt Repaid	-	-60	-13.5	-	-	-
Long-Term Debt Repaid	-	-0.13	-8.63	-0.01	-	-11.5
Total Debt Repaid	-70.14	-60.13	-22.13	-0.01	-	-11.5
Net Debt Issued (Repaid)	-113.14	-60.13	-22.13	113.33	-	-11.5
Repurchase of Common Stock	-0.02	-0.06	-0.07	-2.97	-18.96	-7.96
Common Dividends Paid	-	-	-	-1.99	-2.56	-1.64
Total Dividends Paid	-	-	-	-1.99	-2.56	-1.64
Net Increase (Decrease) in Deposit Accounts	-6.68	-22.26	51.64	-180.31	222.47	387.52
Other Financing Activities	-	-0.01	-0.01	-0.11	-0.24	-
Financing Cash Flow	-119.83	-82.47	29.42	-72.05	200.7	366.43
Net Cash Flow	-42.71	-51.19	139.7	-72.49	69.3	24.16
Free Cash Flow	14.21	11.53	5.21	21.64	23.9	-49.69
Free Cash Flow Growth	170.88%	121.10%	-75.91%	-9.45%	-	-
Free Cash Flow Margin	24.03%	20.80%	7.91%	87.44%	38.54%	-94.80%
Free Cash Flow Per Share	0.84	0.69	0.31	1.31	1.38	-2.74
Cash Interest Paid	35.14	39.12	31.99	4.28	3.09	5.93
Cash Income Tax Paid	0.32	0.33	0.16	5.16	8.38	6.26

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q