Provident Bancorp Inc.
PVBC | NASDAQ
$13.50
+$0.40 (+3.05%)
At close: Nov 10, 2025, 3:55 PM ET
Market Data
Market Cap $240.07M
Enterprise Value $105.91M
Beta 0.26
Average Volume 52.56K
Shares Outstanding (Diluted) 16.98M
Shares Change YoY 1.02%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US74383L1052
Price Performance
Price Change 1M N/A
Price Change 3M N/A
Price Change 6M N/A
Price Change YTD N/A
Price Change 1Y 7.9%
Price Change 3Y 43.6%
Price Change 5Y -17.3%
1M CAGR (ann.) 8.1%
1Y CAGR (ann.) 21.2%
5Y CAGR (ann.) 8.5%
All-Time CAGR 7.8%
Valuation
PE Ratio 18.00
Forward PE 20.77
PEG Ratio 0.30
Forward PEG 1.64
PS Ratio 2.62
Forward PS N/A
PB Ratio 1.00
P/FCF Ratio 15.00
P/Adj. FCF Ratio 17.74
P/OCF Ratio 24.11
EV/Sales 1.16
EV/EBIT 6.22
EV/EBITDA 5.91
EV/FCF 6.62
Earnings Yield 5.6%
FCF Yield 6.7%
Adj. FCF Yield 5.6%
Financial Health
Net Cash $140.06M
Total Debt $13.36M
Cash & Short-Term Investments $147.52M
Total Assets $1.49B
Current Ratio 0.12
Quick Ratio 0.12
Debt / Equity Ratio 0.06
Debt / EBITDA 0.75
Debt / FCF 0.83
OCF / Debt 1.23
Interest Coverage 0.49
Altman Z-Score -0.54
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 67.0%
Operating Profit Margin 18.6%
EBITDA Margin 17.9%
Net Profit Margin 12.0%
FCF Margin 17.5%
Adj. FCF Margin 14.8%
SBC / Revenue 2.8%
SBC Impact (per share) -15.5%
Returns
Return on Assets 0.4%
Return on Equity 2.3%
Return on Invested Capital 2.1%
Return on Capital Employed 3.0%
Return on Tangible Assets 0.4%
Historical Growth (CAGR)
Revenue CAGR 3Y 4.6%
Revenue CAGR 5Y 8.5%
Revenue CAGR 10Y 12.3%
EPS CAGR 3Y 8.7%
EPS CAGR 5Y 5.6%
EPS CAGR 10Y 7.9%
FCF CAGR 3Y -12.7%
FCF CAGR 5Y -2.1%
FCF CAGR 10Y 10.2%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 3
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Apr 23, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $15.53
Graham Upside 15.0%
Lynch Fair Value $4.23
Lynch Upside -68.7%
Price Target $12.00
Price Target Upside -11.1%
Cash Flow
Operating Cash Flow $16.43M
Free Cash Flow $16.01M
Adj. Free Cash Flow $13.53M
FCF Per Share $0.54
OCF Per Share $0.56
OCF/S Ratio 20.6%
Income Statement
Revenue $91.57M
Gross Profit $60.87M
Operating Income $17.03M
EBITDA $17.91M
Net Income $12.55M
EPS (Diluted) $0.75
Revenue / Employee $517.37K
Profit / Employee $70.88K
Employees 177
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