Stock PVBC PROVIDENT BANCORP, INC.
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Financials Provident Bancorp, Inc.

Equities

PVBC

US74383L1052

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
8.88 USD -4.93% Intraday chart for Provident Bancorp, Inc. +13.99% -11.82%
Apr. 25 Earnings Flash (PVBC) PROVIDENT BANCORP Reports Q1 EPS $0.30 MT
Apr. 25 Provident Bancorp, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 242.6 217.2 325.1 126.8 176.3 155.4 -
Enterprise Value (EV) 1 242.6 217.2 325.1 126.8 176.3 155.4 155.4
P/E ratio 20.8 x 18.2 x 20 x -5.6 x 15.3 x 35.5 x 20.2 x
Yield - 0.75% 0.81% 1.65% - - -
Capitalization / Revenue 5.59 x 3.99 x 5.29 x 1.56 x 2.7 x 2.58 x 2.4 x
EV / Revenue 5.59 x 3.99 x 5.29 x 1.56 x 2.7 x 2.58 x 2.4 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 0.97 x 1.42 x - - - -
Nbr of stocks (in thousands) 19,484 18,099 17,479 17,421 17,503 17,503 -
Reference price 2 12.45 12.00 18.60 7.280 10.07 8.880 8.880
Announcement Date 1/23/20 1/28/21 1/27/22 1/27/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 43.39 54.47 61.43 81.18 65.23 60.2 64.8
EBITDA - - - - - - -
EBIT - 22.21 25.98 - - - -
Operating Margin - 40.77% 42.29% - - - -
Earnings before Tax (EBT) 1 14.62 16.61 22.09 - 14.78 5.4 9.7
Net income 1 10.81 11.98 16.14 -21.47 10.95 4.1 7.3
Net margin 24.91% 22% 26.27% -26.45% 16.79% 6.81% 11.27%
EPS 2 0.6000 0.6600 0.9300 -1.300 0.6600 0.2500 0.4400
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.0900 0.1500 0.1200 - - -
Announcement Date 1/23/20 1/28/21 1/27/22 1/27/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 15.5 16.42 17.92 18.6 21.09 20.68 17.76 16.6 15.65 15.21 13.84 14.9 15.2 15.3 15.5
EBITDA - - - - - - - - - - - - - - -
EBIT 5.436 5.83 - - - - - - - - - - - - -
Operating Margin 35.06% 35.51% - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 7.027 4.597 7.751 7.809 -47.26 4.447 2.773 4.92 3.094 3.99 6.688 1.5 1.3 1 1.7
Net income 1 5.087 3.589 5.525 5.619 -35.31 2.697 2.103 3.461 2.466 2.924 4.981 1.2 0.9 0.8 1.3
Net margin 32.81% 21.86% 30.82% 30.2% -167.39% 13.04% 11.84% 20.84% 15.75% 19.22% 35.98% 8.05% 5.92% 5.23% 8.39%
EPS 2 0.3000 0.2100 0.3200 0.3300 -2.150 0.1600 0.1300 0.2100 0.1500 0.1800 0.3000 0.0700 0.0600 0.0500 0.0700
Dividend per Share 2 0.0400 0.0400 0.0400 0.0400 0.0400 - - - - - - - - - -
Announcement Date 10/28/21 1/27/22 4/28/22 7/28/22 1/17/23 1/27/23 5/1/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 5.05% 6.86% -9.26% 5.1% 1.8% 3.2%
ROA (Net income/ Total Assets) - 0.89% 1.02% -1.24% 0.66% 0.24% 0.41%
Assets 1 - 1,347 1,582 1,731 1,660 1,708 1,780
Book Value Per Share - 12.40 13.10 - - - -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/23/20 1/28/21 1/27/22 1/27/23 1/25/24 - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Provident Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
8.88 USD
Average target price
11 USD
Spread / Average Target
+23.87%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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