Provident Bancorp Statistics
Total Valuation
PVBC has a market cap or net worth of $227.76 million. The enterprise value is $112.24 million.
| Market Cap | 227.76M |
| Enterprise Value | 112.24M |
Important Dates
The last earnings date was Thursday, October 23, 2025, after market close.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PVBC has 16.87 million shares outstanding. The number of shares has increased by 1.32% in one year.
| Current Share Class | 16.87M |
| Shares Outstanding | 16.87M |
| Shares Change (YoY) | +1.32% |
| Shares Change (QoQ) | +0.69% |
| Owned by Insiders (%) | 2.75% |
| Owned by Institutions (%) | 49.87% |
| Float | 15.18M |
Valuation Ratios
The trailing PE ratio is 18.29.
| PE Ratio | 18.29 |
| Forward PE | n/a |
| PS Ratio | 3.66 |
| Forward PS | 3.62 |
| PB Ratio | 0.99 |
| P/TBV Ratio | 0.94 |
| P/FCF Ratio | 14.23 |
| P/OCF Ratio | 13.86 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.95 |
| EV / Sales | 1.81 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.01 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.83 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.37%.
| Return on Equity (ROE) | 5.37% |
| Return on Assets (ROA) | 0.80% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $346,927 |
| Profits Per Employee | $70,089 |
| Employee Count | 179 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PVBC has paid $4.48 million in taxes.
| Income Tax | 4.48M |
| Effective Tax Rate | 26.33% |
Stock Price Statistics
The stock price has increased by +21.84% in the last 52 weeks. The beta is 0.26, so PVBC's price volatility has been lower than the market average.
| Beta (5Y) | 0.26 |
| 52-Week Price Change | +21.84% |
| 50-Day Moving Average | 12.68 |
| 200-Day Moving Average | 12.11 |
| Relative Strength Index (RSI) | 76.58 |
| Average Volume (20 Days) | 88,574 |
Short Selling Information
The latest short interest is 365,865, so 2.17% of the outstanding shares have been sold short.
| Short Interest | 365,865 |
| Short Previous Month | 453,643 |
| Short % of Shares Out | 2.17% |
| Short % of Float | 2.41% |
| Short Ratio (days to cover) | 9.25 |
Income Statement
In the last 12 months, PVBC had revenue of $62.10 million and earned $12.55 million in profits. Earnings per share was $0.74.
| Revenue | 62.10M |
| Gross Profit | 62.10M |
| Operating Income | 20.54M |
| Pretax Income | 17.03M |
| Net Income | 12.55M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.74 |
Balance Sheet
The company has $128.88 million in cash and $13.36 million in debt, giving a net cash position of $115.52 million or $6.85 per share.
| Cash & Cash Equivalents | 128.88M |
| Total Debt | 13.36M |
| Net Cash | 115.52M |
| Net Cash Per Share | $6.85 |
| Equity (Book Value) | 241.03M |
| Book Value Per Share | 13.69 |
| Working Capital | -1.10B |
Cash Flow
In the last 12 months, operating cash flow was $16.43 million and capital expenditures -$423,000, giving a free cash flow of $16.01 million.
| Operating Cash Flow | 16.43M |
| Capital Expenditures | -423,000 |
| Free Cash Flow | 16.01M |
| FCF Per Share | $0.95 |
Margins
| Gross Margin | n/a |
| Operating Margin | 33.07% |
| Pretax Margin | 27.42% |
| Profit Margin | 20.20% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 25.77% |
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 | -1.32% |
| Shareholder Yield | -1.32% |
| Earnings Yield | 5.51% |
| FCF Yield | 7.03% |
Analyst Forecast
The average price target for PVBC is $12.50, which is -7.41% lower than the current price. The consensus rating is "Hold".
| Price Target | $12.50 |
| Price Target Difference | -7.41% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Fair 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 |