Provident Bancorp Statistics
Total Valuation
PVBC has a market cap or net worth of $201.04 million. The enterprise value is $205.57 million.
Important Dates
The next estimated earnings date is Monday, July 28, 2025, after market close.
| Earnings Date | Jul 28, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PVBC has 16.81 million shares outstanding. The number of shares has increased by 1.15% in one year.
| Current Share Class | 16.81M |
| Shares Outstanding | 16.81M |
| Shares Change (YoY) | +1.15% |
| Shares Change (QoQ) | +0.35% |
| Owned by Insiders (%) | 2.76% |
| Owned by Institutions (%) | 39.26% |
| Float | 13.50M |
Valuation Ratios
The trailing PE ratio is 46.02 and the forward PE ratio is 23.13.
| PE Ratio | 46.02 |
| Forward PE | 23.13 |
| PS Ratio | 3.95 |
| Forward PS | 3.12 |
| PB Ratio | 0.85 |
| P/TBV Ratio | 0.85 |
| P/FCF Ratio | 12.27 |
| P/OCF Ratio | 12.05 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 46.09 |
| EV / Sales | 4.09 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.66 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 8.09 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 1.93%.
| Return on Equity (ROE) | 1.93% |
| Return on Assets (ROA) | 0.28% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $280,693 |
| Profits Per Employee | $24,916 |
| Employee Count | 179 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PVBC has paid $1.07 million in taxes.
| Income Tax | 1.07M |
| Effective Tax Rate | 19.32% |
Stock Price Statistics
The stock price has increased by +23.39% in the last 52 weeks. The beta is 0.29, so PVBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.29 |
| 52-Week Price Change | +23.39% |
| 50-Day Moving Average | 11.21 |
| 200-Day Moving Average | 11.23 |
| Relative Strength Index (RSI) | 72.32 |
| Average Volume (20 Days) | 210,800 |
Short Selling Information
The latest short interest is 126,233, so 0.75% of the outstanding shares have been sold short.
| Short Interest | 126,233 |
| Short Previous Month | 100,226 |
| Short % of Shares Out | 0.75% |
| Short % of Float | 0.94% |
| Short Ratio (days to cover) | 4.70 |
Income Statement
In the last 12 months, PVBC had revenue of $50.24 million and earned $4.46 million in profits. Earnings per share was $0.26.
| Revenue | 50.24M |
| Gross Profit | 50.24M |
| Operating Income | 9.20M |
| Pretax Income | 9.20M |
| Net Income | 4.46M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.26 |
Full Income StatementBalance Sheet
The company has $124.98 million in cash and $131.36 million in debt, giving a net cash position of -$6.38 million or -$0.38 per share.
| Cash & Cash Equivalents | 124.98M |
| Total Debt | 131.36M |
| Net Cash | -6.38M |
| Net Cash Per Share | -$0.38 |
| Equity (Book Value) | 234.04M |
| Book Value Per Share | 13.92 |
| Working Capital | -1.18B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $16.53 million and capital expenditures -$295,000, giving a free cash flow of $16.23 million.
| Operating Cash Flow | 16.53M |
| Capital Expenditures | -295,000 |
| Free Cash Flow | 16.23M |
| FCF Per Share | $0.97 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 18.31% |
| Pretax Margin | 11.00% |
| Profit Margin | 8.88% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.31% |
Dividends & Yields
PVBC does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -1.15% |
| Shareholder Yield | -1.15% |
| Earnings Yield | 2.24% |
| FCF Yield | 8.15% |
Dividend DetailsAnalyst Forecast
The average price target for PVBC is $12.50, which is 4.52% higher than the current price. The consensus rating is "Hold".
| Price Target | $12.50 |
| Price Target Difference | 4.52% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on October 17, 2019. It was a forward split with a ratio of 2.0212:1.
| Last Split Date | Oct 17, 2019 |
| Split Type | Forward |
| Split Ratio | 2.0212:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |