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

Equities

PVBC

US74383L1052

Banks

Market Closed - Nasdaq
Other stock markets
 01:30:00 27/06/2024 am IST 		5-day change 1st Jan Change
9.98 USD +3.21% Intraday chart for Provident Bancorp, Inc. +1.84% -0.89%
09/05 Tranche Update on Provident Bancorp, Inc.'s Equity Buyback Plan announced on March 12, 2021. CI
07/05 Provident Bancorp, Inc. and BankProv Appoints Kenneth Fisher as Chief Financial Officer CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 242.6 217.2 325.1 126.8 167 166.3 -
Enterprise Value (EV) 1 242.6 217.2 325.1 126.8 167 166.3 166.3
P/E ratio 20.8 x 18.2 x 20 x -5.6 x 15.3 x 20 x 21.2 x
Yield - 0.75% 0.81% 1.65% - - -
Capitalization / Revenue 5.59 x 3.99 x 5.29 x 1.56 x 2.56 x 2.91 x 2.68 x
EV / Revenue 5.59 x 3.99 x 5.29 x 1.56 x 2.56 x 2.91 x 2.68 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 16,583 16,660 -
Reference price 2 12.45 12.00 18.60 7.280 10.07 9.980 9.980
Announcement Date 23/01/20 28/01/21 27/01/22 27/01/23 25/01/24 - -
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 57.2 62.1
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 11.1 10.5
Net income 1 10.81 11.98 16.14 -21.47 10.95 8.3 7.9
Net margin 24.91% 22% 26.27% -26.45% 16.79% 14.51% 12.72%
EPS 2 0.6000 0.6600 0.9300 -1.300 0.6600 0.5000 0.4700
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.0900 0.1500 0.1200 - - -
Announcement Date 23/01/20 28/01/21 27/01/22 27/01/23 25/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 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 2025 Q2
Net sales 1 16.42 17.92 18.6 21.09 20.68 17.76 16.6 15.65 15.21 13.84 14.2 14.6 14.6 14.8 15.3
EBITDA - - - - - - - - - - - - - - -
EBIT 5.83 - - - - - - - - - - - - - -
Operating Margin 35.51% - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 4.597 7.751 7.809 -47.26 4.447 2.773 4.92 3.094 3.99 6.688 1.1 1.6 1.7 2 2.3
Net income 1 3.589 5.525 5.619 -35.31 2.697 2.103 3.461 2.466 2.924 4.981 0.8 1.2 1.3 1.5 1.7
Net margin 21.86% 30.82% 30.2% -167.39% 13.04% 11.84% 20.84% 15.75% 19.22% 35.98% 5.63% 8.22% 8.9% 10.14% 11.11%
EPS 2 0.2100 0.3200 0.3300 -2.150 0.1600 0.1300 0.2100 0.1500 0.1800 0.3000 0.0500 0.0700 0.0800 0.0900 0.1000
Dividend per Share 2 0.0400 0.0400 0.0400 0.0400 - - - - - - - - - - -
Announcement Date 27/01/22 28/04/22 28/07/22 17/01/23 27/01/23 01/05/23 27/07/23 26/10/23 25/01/24 25/04/24 - - - - -
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% 3.7% 3.4%
ROA (Net income/ Total Assets) - 0.89% 1.02% -1.24% 0.66% 0.5% 0.44%
Assets 1 - 1,347 1,582 1,731 1,660 1,660 1,795
Book Value Per Share - 12.40 13.10 - - - -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 23/01/20 28/01/21 27/01/22 27/01/23 25/01/24 - -
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
9.98 USD
Average target price
11 USD
Spread / Average Target
+10.22%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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