Provident Bancorp Statistics
Total Valuation
PVBC has a market cap or net worth of $214.05 million. The enterprise value is $125.58 million.
Important Dates
The next estimated earnings date is Thursday, October 23, 2025, after market close.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PVBC has 16.84 million shares outstanding. The number of shares has increased by 1.25% in one year.
| Current Share Class | 16.84M |
| Shares Outstanding | 16.84M |
| Shares Change (YoY) | +1.25% |
| Shares Change (QoQ) | +0.18% |
| Owned by Insiders (%) | 2.76% |
| Owned by Institutions (%) | 50.46% |
| Float | 15.31M |
Valuation Ratios
The trailing PE ratio is 20.53 and the forward PE ratio is 22.70.
| PE Ratio | 20.53 |
| Forward PE | 22.70 |
| PS Ratio | 3.61 |
| Forward PS | 3.43 |
| PB Ratio | 0.90 |
| P/TBV Ratio | 0.90 |
| P/FCF Ratio | 15.06 |
| P/OCF Ratio | 14.60 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.86 |
| EV / Sales | 2.12 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.84 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.84 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.59%.
| Return on Equity (ROE) | 4.59% |
| Return on Assets (ROA) | 0.66% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $330,441 |
| Profits Per Employee | $59,173 |
| Employee Count | 179 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PVBC has paid $3.56 million in taxes.
| Income Tax | 3.56M |
| Effective Tax Rate | 25.14% |
Stock Price Statistics
The stock price has increased by +25.89% in the last 52 weeks. The beta is 0.34, so PVBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.34 |
| 52-Week Price Change | +25.89% |
| 50-Day Moving Average | 12.64 |
| 200-Day Moving Average | 11.82 |
| Relative Strength Index (RSI) | 50.02 |
| Average Volume (20 Days) | 27,873 |
Short Selling Information
The latest short interest is 282,638, so 1.68% of the outstanding shares have been sold short.
| Short Interest | 282,638 |
| Short Previous Month | 345,234 |
| Short % of Shares Out | 1.68% |
| Short % of Float | 1.85% |
| Short Ratio (days to cover) | 5.62 |
Income Statement
In the last 12 months, PVBC had revenue of $59.15 million and earned $10.59 million in profits. Earnings per share was $0.62.
| Revenue | 59.15M |
| Gross Profit | 59.15M |
| Operating Income | 17.74M |
| Pretax Income | 9.20M |
| Net Income | 10.59M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.62 |
Full Income StatementBalance Sheet
The company has $128.91 million in cash and $40.43 million in debt, giving a net cash position of $88.48 million or $5.25 per share.
| Cash & Cash Equivalents | 128.91M |
| Total Debt | 40.43M |
| Net Cash | 88.48M |
| Net Cash Per Share | $5.25 |
| Equity (Book Value) | 237.37M |
| Book Value Per Share | 14.09 |
| Working Capital | -1.15B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $14.66 million and capital expenditures -$450,000, giving a free cash flow of $14.21 million.
| Operating Cash Flow | 14.66M |
| Capital Expenditures | -450,000 |
| Free Cash Flow | 14.21M |
| FCF Per Share | $0.84 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 29.99% |
| Pretax Margin | 23.92% |
| Profit Margin | 17.91% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 24.03% |
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 | -1.25% |
| Shareholder Yield | -1.25% |
| Earnings Yield | 4.95% |
| FCF Yield | 6.64% |
Dividend DetailsAnalyst Forecast
The average price target for PVBC is $12.50, which is -1.88% lower than the current price. The consensus rating is "Hold".
| Price Target | $12.50 |
| Price Target Difference | -1.88% |
| 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 |
