Provident Bancorp Statistics
Total Valuation
PVBC has a market cap or net worth of $183.01 million. The enterprise value is $172.83 million.
Important Dates
The next estimated earnings date is Friday, January 31, 2025, after market close.
| Earnings Date | Jan 31, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PVBC has 16.73 million shares outstanding. The number of shares has increased by 1.10% in one year.
| Current Share Class | 16.73M |
| Shares Outstanding | 16.73M |
| Shares Change (YoY) | +1.10% |
| Shares Change (QoQ) | +0.63% |
| Owned by Insiders (%) | 3.75% |
| Owned by Institutions (%) | 41.37% |
| Float | 13.10M |
Valuation Ratios
The trailing PE ratio is 34.37 and the forward PE ratio is 24.31.
| PE Ratio | 34.37 |
| Forward PE | 24.31 |
| PS Ratio | 3.31 |
| Forward PS | 3.10 |
| PB Ratio | 0.81 |
| P/TBV Ratio | 0.81 |
| P/FCF Ratio | 15.04 |
| P/OCF Ratio | 14.59 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 32.53 |
| EV / Sales | 3.13 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.21 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.56 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 2.39%.
| Return on Equity (ROE) | 2.39% |
| Return on Assets (ROA) | 0.31% |
| Return on Capital (ROIC) | n/a |
| Revenue Per Employee | $283,174 |
| Profits Per Employee | $27,246 |
| Employee Count | 195 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PVBC has paid $1.64 million in taxes.
| Income Tax | 1.64M |
| Effective Tax Rate | 23.55% |
Stock Price Statistics
The stock price has increased by +4.49% in the last 52 weeks. The beta is 0.48, so PVBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.48 |
| 52-Week Price Change | +4.49% |
| 50-Day Moving Average | 11.31 |
| 200-Day Moving Average | 10.38 |
| Relative Strength Index (RSI) | 45.66 |
| Average Volume (20 Days) | 28,402 |
Short Selling Information
The latest short interest is 125,615, so 0.75% of the outstanding shares have been sold short.
| Short Interest | 125,615 |
| Short Previous Month | 133,465 |
| Short % of Shares Out | 0.75% |
| Short % of Float | 0.96% |
| Short Ratio (days to cover) | 4.15 |
Income Statement
In the last 12 months, PVBC had revenue of $55.22 million and earned $5.31 million in profits. Earnings per share was $0.32.
| Revenue | 55.22M |
| Gross Profit | 55.22M |
| Operating Income | 10.64M |
| Pretax Income | 9.20M |
| Net Income | 5.31M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.32 |
Full Income StatementBalance Sheet
The company has $138.67 million in cash and $128.49 million in debt, giving a net cash position of $10.18 million or $0.61 per share.
| Cash & Cash Equivalents | 138.67M |
| Total Debt | 128.49M |
| Net Cash | 10.18M |
| Net Cash Per Share | $0.61 |
| Equity (Book Value) | 226.16M |
| Book Value Per Share | 13.52 |
| Working Capital | -1.26B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $12.54 million and capital expenditures -$374,000, giving a free cash flow of $12.17 million.
| Operating Cash Flow | 12.54M |
| Capital Expenditures | -374,000 |
| Free Cash Flow | 12.17M |
| FCF Per Share | $0.73 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 19.27% |
| Pretax Margin | 12.59% |
| Profit Margin | 9.62% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 22.03% |