Provident Bancorp, Inc. (PVBC)
Nov 14, 2025 - PVBC was delisted (reason: merged into NBBK)
13.50
+0.40 (3.05%)
Inactive · Last trade price on Nov 14, 2025
Provident Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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% |
Investing Activities
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 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 |
Financing Activities
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 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
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 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
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 |
Free Cash Flow | 16.01 | 11.53 | 5.21 | 21.64 | 23.9 | 17.27 |
Free Cash Flow Growth | 31.57% | 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 |