PVBC Stock Price, Provident Bancorp Inc Quote, Chart

Market Summary

USD9.43+0.03

Delayed

0.32%

PVBC Stock Price

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PVBC RSI Chart

PVBC Valuation

Market Cap

166.5M

Price/Earnings (Trailing)

12.04

Price/Sales (Trailing)

1.82

EV/EBITDA

-0.2

Price/Free Cashflow

29

PVBC Price/Sales (Trailing)

PVBC Profitability

EBT Margin

20.38%

Return on Equity

6.09%

Return on Assets

0.83%

Free Cashflow Yield

3.45%

PVBC Fundamentals

PVBC Revenue

Revenue (TTM)

91.7M

Rev. Growth (Yr)

6.83%

Rev. Growth (Qtr)

-6.5%

PVBC Earnings

Earnings (TTM)

13.8M

Earnings Growth (Yr)

136.85%

Earnings Growth (Qtr)

70.35%

Breaking Down PVBC Revenue

Last 7 days

0.3%

Last 30 days

21.5%

Last 90 days

-9.4%

Trailing 12 Months

18.6%

How does PVBC drawdown profile look like?

PVBC Financial Health

Debt/Equity

0.04

Debt/Cashflow

0.63

PVBC Investor Care

Dividend Yield

1.48%

Dividend/Share (TTM)

0.14

Buy Backs (1Y)

0.19%

Diluted EPS (TTM)

0.84

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	91.7M	0	0	0
2023	81.5M	85.2M	87.7M	90.3M
2022	67.4M	71.0M	75.4M	79.3M
2021	62.2M	63.1M	64.2M	64.8M
2020	53.5M	55.4M	57.3M	60.4M
2019	44.7M	47.1M	49.6M	51.5M
2018	37.4M	39.0M	40.6M	42.3M
2017	0	0	0	35.8M

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Tracking the Latest Insider Buys and Sells of Provident Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 22, 2024	mancini joseph	sold (taxes)	-6,013	7.83	-768	chief operating officer
Feb 02, 2024	mancini joseph	sold (taxes)	-3,429	10.3	-333	chief operating officer
Dec 17, 2023	houle carol l	sold (taxes)	-20,052	9.82	-2,042	co-president, co-ceo and cfo
Oct 04, 2023	stilwell joseph	bought	22,647	9.3856	2,413	-
Oct 03, 2023	stilwell joseph	bought	57,134	9.251	6,176	-
Oct 02, 2023	stilwell joseph	bought	18,976	9.4318	2,012	-
Sep 29, 2023	stilwell joseph	bought	7,773	9.7167	800	-
Sep 28, 2023	stilwell joseph	bought	23,814	9.5832	2,485	-
Sep 27, 2023	stilwell joseph	bought	75,094	9.4744	7,926	-
Sep 26, 2023	stilwell joseph	bought	2,913	9.71	300	-

Which funds bought or sold PVBC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	added	63.02	203,395	633,233	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-43.97	-205,577	210,837	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	106	10,774	23,241	-%
May 15, 2024	Black Maple Capital Management LP	reduced	-13.5	-65,566	234,762	0.14%
May 15, 2024	Cubist Systematic Strategies, LLC	new	-	87,669	87,669	-%
May 15, 2024	Squarepoint Ops LLC	added	41.54	36,828	168,805	-%
May 15, 2024	Point72 Asia (Singapore) Pte. Ltd.	new	-	214,150	214,150	0.06%
May 15, 2024	Integrated Wealth Concepts LLC	unchanged	-	-19,400	182,000	-%
May 15, 2024	T. Rowe Price Investment Management, Inc.	reduced	-14.82	-3,887,000	12,990,000	0.01%
May 15, 2024	BARCLAYS PLC	reduced	-31.06	-91,000	151,000	-%

Are Funds Buying or Selling PVBC?

Are funds buying PVBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PVBC

No. of Funds

Unveiling Provident Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	t. rowe price investment management, inc.	9.5%	1,675,901	SC 13G
Feb 14, 2024	m3 partners lp	8.67%	1,532,539	SC 13G/A
Feb 06, 2024	provident bancorp, inc. /md/	8.2%	1,457,772	SC 13G/A
Oct 31, 2023	stilwell joseph	10.4%	1,831,467	SC 13D/A
Sep 13, 2023	stilwell joseph	10.1%	1,793,679	SC 13D/A
Jun 21, 2023	stilwell joseph	9.1%	1,614,309	SC 13D/A
May 15, 2023	stilwell joseph	8.1%	1,425,166	SC 13D
Mar 08, 2023	blackrock inc.	4.9%	865,931	SC 13G/A
Feb 14, 2023	price t rowe associates inc /md/	0.0%	2,445	SC 13G/A
Feb 14, 2023	t. rowe price investment management, inc.	9.4%	1,672,366	SC 13G

Recent SEC filings of Provident Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 15, 2024	8-K	Current Report
May 09, 2024	10-Q	Quarterly Report
May 08, 2024	8-K	Current Report
Apr 25, 2024	8-K	Current Report
Apr 23, 2024	4	Insider Trading
Apr 16, 2024	DEF 14A	DEF 14A
Apr 16, 2024	ARS	ARS
Apr 10, 2024	3	Insider Trading
Mar 28, 2024	8-K	Current Report
Mar 28, 2024	10-K	Annual Report

Peers (Alternatives to Provident Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Provident Bancorp Inc News

Latest updates

Provident Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-6.5%	22.00	24.00	23.00	23.00	21.00	21.00	21.00	19.00	18.00	17.00	16.00	16.00	16.00	16.00	15.00	15.00	14.00	13.00	13.00	13.00	12.00
EBITDA Margin	-0.8%	0.81*	0.82*	0.91*	0.41*	0.51*	0.61*	0.62*	1.36*	1.33*	1.30*	1.32*	1.28*	1.27*	1.19*	-	-	-	-	-	-	-
Interest Expenses	-8.0%	12.00	14.00	14.00	15.00	16.00	19.00	20.00	19.00	18.00	16.00	16.00	15.00	15.00	15.00	14.00	13.00	12.00	12.00	11.00	11.00	10.00
Income Taxes	60.1%	2.00	1.00	1.00	1.00	1.00	2.00	-11.96	2.00	2.00	1.00	2.00	1.00	2.00	2.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	67.6%	7.00	4.00	3.00	5.00	3.00	4.00	-47.26	8.00	8.00	5.00	7.00	5.00	6.00	6.00	4.00	5.00	2.00	3.00	5.00	3.00	3.00
EBT Margin	24.6%	0.20*	0.16*	0.17*	-0.41*	-0.40*	-0.34*	-0.36*	0.38*	0.35*	0.34*	0.37*	0.33*	0.34*	0.27*	-	-	-	-	-	-	-
Net Income	70.3%	5.00	3.00	2.00	3.00	2.00	3.00	-35.31	6.00	6.00	4.00	5.00	3.00	4.00	4.00	3.00	3.00	1.00	3.00	4.00	3.00	2.00
Net Income Margin	24.3%	0.15*	0.12*	0.12*	-0.32*	-0.31*	-0.27*	-0.27*	0.28*	0.26*	0.25*	0.26*	0.24*	0.24*	0.20*	-	-	-	-	-	-	-
Free Cashflow	-147.4%	-2.62	6.00	-3.88	7.00	-3.15	4.00	12.00	4.00	2.00	6.00	8.00	4.00	6.00	5.00	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q1	2018Q4
Assets	-0.7%	1,659	1,670	1,808	1,762	1,702	1,636	1,774	1,788	1,792	1,729	1,625	1,585	1,552	1,506	1,498	1,415	1,267	1,122	1,078	999	974
Cash Equivalents	-13.4%	191	220	366	298	244	81.00	156	155	216	153	191	140	133	84.00	47.00	38.00	34.00	60.00	39.00	24.00	29.00
Net PPE	-1.2%	13.00	13.00	13.00	13.00	13.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	15.00	15.00	15.00	15.00	15.00	15.00	24.00	21.00	16.00
Liabilities	-1.2%	1,432	1,448	1,591	1,547	1,491	1,429	1,570	1,548	1,555	1,496	1,394	1,353	1,318	1,270	1,259	1,178	1,034	891	943	870	848
Short Term Borrowings	-15.8%	80.00	95.00	80.00	70.00	50.00	109	67.00	78.00	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-0.4%	10.00	10.00	10.00	10.00	18.00	18.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	74.00	42.00	125	25.00	30.00	80.00	68.00
Shareholder's Equity	2.4%	227	222	218	215	211	208	204	240	237	234	231	232	234	236	239	236	233	231	136	128	126
Retained Earnings	4.7%	111	106	103	101	97.00	95.00	92.00	128	123	118	115	111	108	105	101	98.00	95.00	94.00	92.00	86.00	83.00
Additional Paid-In Capital	0.2%	124	124	124	123	123	123	122	122	123	123	124	129	134	139	147	147	147	146	47.00	46.00	46.00
Shares Outstanding	-0.1%	18.00	18.00	18.00	18.00	18.00	18.00	16.00	16.00	17.00	18.00	17.00	17.00	17.00	19.00	-	-	-	-	-	-	-
Float	-	-	-	-	130	-	-	-	242	-	-	-	256	-	-	-	134	-	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-145.5%	-2,539	5,576	-3,857	6,899	-3,066	3,882	11,951	3,765	2,307	6,321	8,274	3,939	5,779	4,786	4,942	4,350	4,103	6,148	6,996	1,912	2,452
Share Based Compensation	-20.2%	261	327	330	332	319	461	480	468	445	567	700	674	604	329	257	242	261	244	245	245	265
Cashflow From Investing	-58.6%	-12,744	-8,034	20,760	-8,831	100,835	66,486	-30,820	-58,599	596	-141,387	9,603	-26,132	2,195	30,820	-74,320	-143,975	-172,978	-24,482	-38,208	-27,503	-26,440
Cashflow From Financing	90.1%	-14,198	-143,579	51,608	55,612	65,780	-145,653	19,979	-6,438	60,058	97,020	32,900	29,704	41,080	769	78,644	143,381	143,639	39,025	41,898	30,146	19,101
Dividend Payments	-	-	-	-	-	-	-18.00	666	668	673	665	676	687	532	-	-	-	-	-	-	-	-
Buy Backs	-	-	-	-	-	-	-	-	1,337	1,523	216	5,767	6,183	6,182	-	-	-	-	-	-	-	-

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PVBC Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Interest and fees on loans	$ 20,069	$ 20,006
Interest and dividends on debt securities available-for-sale	237	238
Interest on short-term investments	1,729	383
Total interest and dividend income	22,035	20,627
Interest expense:
Interest on deposits	9,340	3,901
Interest on short-term borrowings	178	824
Interest on long-term borrowings	31	86
Total interest expense	9,549	4,811
Net interest and dividend income	12,486	15,816
Credit loss (benefit) expense - loans	(5,543)	2,935
Credit loss benefit - off-balance sheet credit exposures	(38)	(1,156)
Total credit loss (benefit) expense	(5,581)	1,779
Net interest and dividend income after credit loss (benefit) expense	18,067	14,037
Noninterest income:
Customer service fees on deposit accounts	674	979
Service charges and fees - other	309	451
Bank owned life insurance income	302	266
Other income	71	251
Total noninterest income	1,356	1,947
Noninterest expense:
Salaries and employee benefits	8,145	8,544
Occupancy expense	443	421
Equipment expense	152	144
Deposit insurance	333	278
Data processing	413	361
Marketing expense	18	83
Professional fees	1,314	1,403
Directors' compensation	174	200
Software depreciation and implementation	543	417
Insurance expense	301	452
Service fees	242	236
Other	657	672
Total noninterest expense	12,735	13,211
Income before income tax expense	6,688	2,773
Income tax expense	1,707	670
Net income	$ 4,981	$ 2,103
Earnings per share:
Basic	$ 0.30	$ 0.13
Diluted	$ 0.30	$ 0.13
Weighted Average Shares:
Basic	16,669,451	16,530,627
Diluted	16,720,653	16,531,266

PVBC Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 21,341	$ 22,200
Short-term investments	169,510	198,132
Cash and cash equivalents	190,851	220,332
Debt securities available-for-sale (at fair value)	27,912	28,571
Federal Home Loan Bank stock, at cost	3,605	4,056
Total loans	1,356,580	1,342,729
Allowance for credit losses - loans	(16,006)	(21,571)
Net loans	1,340,574	1,321,158
Bank owned life insurance	45,037	44,735
Premises and equipment, net	12,835	12,986
Accrued interest receivable	5,921	6,090
Right-of-use assets	3,739	3,780
Deferred tax asset, net	13,048	14,461
Other assets	15,236	14,140
Total assets	1,658,758	1,670,309
Deposits:
Noninterest-bearing	310,343	308,769
Interest-bearing	1,021,735	1,022,453
Total deposits	1,332,078	1,331,222
Borrowings:
Short-term borrowings	80,000	95,000
Long-term borrowings	9,663	9,697
Total borrowings	89,663	104,697
Operating lease liabilities	4,142	4,171
Other liabilities	5,632	8,317
Total liabilities	1,431,515	1,448,407
Shareholders' equity:
Preferred stock; $.01 par value, 50,000 shares authorized: no shares issued and outstanding
Common stock, $0.01 par value, 100,000,000 shares authorized; 17,659,146 and 17,677,479 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively	177	177
Additional paid-in capital	124,415	124,129
Retained earnings	111,266	106,285
Accumulated other comprehensive loss	(1,602)	(1,496)
Unearned compensation - ESOP	(7,013)	(7,193)
Total shareholders' equity	227,243	221,902
Total liabilities and shareholders' equity	$ 1,658,758	$ 1,670,309

About Provident Bancorp Inc

Provident Bancorp, Inc. operates as the bank holding company for BankProv that provides various financial services to individuals and small businesses in the United States. It offers checking, term certificate, NOW, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial business, commercial real estate, multi-family residential real estate, construction and land development, mortgage warehouse, one- to four-family residential, and consumer loans. Provident Bancorp, Inc. was founded in 1828 and is headquartered in Amesbury, Massachusetts.

CEO	Ms. Carol L. Houle
WEBSITE	bankprov.com
INDUSTRY	Banks Diversified
EMPLOYEES	198

Provident Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Provident Bancorp Inc? What does PVBC stand for in stocks?

PVBC is the stock ticker symbol of Provident Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Provident Bancorp Inc (PVBC)?

As of Fri May 17 2024, market cap of Provident Bancorp Inc is 166.5 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PVBC stock?

You can check PVBC's fair value in chart for subscribers.

What is the fair value of PVBC stock?

You can check PVBC's fair value in chart for subscribers. The fair value of Provident Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Provident Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PVBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Provident Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether PVBC is over valued or under valued. Whether Provident Bancorp Inc is cheap or expensive depends on the assumptions which impact Provident Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PVBC.

What is Provident Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, PVBC's PE ratio (Price to Earnings) is 12.04 and Price to Sales (PS) ratio is 1.82. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PVBC PE ratio will change depending on the future growth rate expectations of investors.