Provident Bancorp Statistics
Total Valuation
PVBC has a market cap or net worth of $197.22 million. The enterprise value is $100.18 million.
| Market Cap | 197.22M |
| Enterprise Value | 100.18M |
Important Dates
The next estimated earnings date is Monday, July 29, 2024, after market close.
| Earnings Date | Jul 29, 2024 |
| Ex-Dividend Date | n/a |
Share Statistics
PVBC has 17.66 million shares outstanding. The number of shares has increased by 1.15% in one year.
| Shares Outstanding | 17.66M |
| Shares Change (YoY) | +1.15% |
| Shares Change (QoQ) | +0.30% |
| Owned by Insiders (%) | 12.70% |
| Owned by Institutions (%) | 47.47% |
| Float | 12.97M |
Valuation Ratios
The trailing PE ratio is 13.30 and the forward PE ratio is 37.76.
| PE Ratio | 13.30 |
| Forward PE | 37.76 |
| PS Ratio | 2.84 |
| Forward PS | 3.32 |
| PB Ratio | 0.87 |
| P/FCF Ratio | 34.35 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 5.06, with an EV/FCF ratio of 17.45.
| EV / Earnings | 7.24 |
| EV / Sales | 1.44 |
| EV / EBITDA | 5.06 |
| EV / EBIT | 5.36 |
| EV / FCF | 17.45 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.41 |
| Debt / EBITDA | 4.74 |
| Debt / FCF | 16.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.30% and return on invested capital (ROIC) is 4.31%.
| Return on Equity (ROE) | 6.30% |
| Return on Assets (ROA) | 0.80% |
| Return on Capital (ROIC) | 4.31% |
| Revenue Per Employee | $355,636 |
| Profits Per Employee | $70,933 |
| Employee Count | 195 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PVBC has paid $4.86 million in taxes.
| Income Tax | 4.86M |
| Effective Tax Rate | 26.00% |
Stock Price Statistics
The stock price has increased by +22.08% in the last 52 weeks. The beta is 0.46, so PVBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.46 |
| 52-Week Price Change | +22.08% |
| 50-Day Moving Average | 9.99 |
| 200-Day Moving Average | 9.72 |
| Relative Strength Index (RSI) | 59.40 |
| Average Volume (20 Days) | 158,065 |
Short Selling Information
The latest short interest is 118,693, so 0.67% of the outstanding shares have been sold short.
| Short Interest | 118,693 |
| Short Previous Month | 92,922 |
| Short % of Shares Out | 0.67% |
| Short % of Float | 0.92% |
| Short Ratio (days to cover) | 0.83 |
Income Statement
In the last 12 months, PVBC had revenue of $69.35 million and earned $13.83 million in profits. Earnings per share was $0.84.
| Revenue | 69.35M |
| Gross Profit | 69.35M |
| Operating Income | 18.69M |
| Pretax Income | 18.69M |
| Net Income | 13.83M |
| EBITDA | 19.80M |
| EBIT | 18.69M |
| Earnings Per Share (EPS) | $0.84 |
Balance Sheet
The company has $190.85 million in cash and $93.81 million in debt, giving a net cash position of $97.05 million or $5.50 per share.
| Cash & Cash Equivalents | 190.85M |
| Total Debt | 93.81M |
| Net Cash | 97.05M |
| Net Cash Per Share | $5.50 |
| Equity (Book Value) | 227.24M |
| Book Value Per Share | 12.87 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $6.08 million and capital expenditures -$338,000, giving a free cash flow of $5.74 million.
| Operating Cash Flow | 6.08M |
| Capital Expenditures | -338,000 |
| Free Cash Flow | 5.74M |
| FCF Per Share | $0.34 |
Margins
Gross margin is 100.00%, with operating and profit margins of 26.95% and 19.95%.
| Gross Margin | 100.00% |
| Operating Margin | 26.95% |
| Pretax Margin | 26.95% |
| Profit Margin | 19.95% |
| EBITDA Margin | 28.55% |
| EBIT Margin | 26.95% |
| FCF Margin | 8.28% |
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 | 7.01% |
| FCF Yield | 2.91% |
Analyst Forecast
The average price target for PVBC is $11.00, which is -1.52% lower than the current price. The consensus rating is "Hold".
| Price Target | $11.00 |
| Price Target Difference | -1.52% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on October 17, 2019. It was a forward split with a ratio of 2021:1000.
| Last Split Date | Oct 17, 2019 |
| Split Type | Forward |
| Split Ratio | 2021:1000 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |