Price (delayed)
$10.4
Market cap
$183.74M
P/E Ratio
24.19
Dividend/share
N/A
EPS
$0.43
Enterprise value
$163.87M
Provident Bancorp, Inc. is a Maryland corporation that was formed in 2019 to be the successor corporation to Provident Bancorp, Inc., a Massachusetts corporation, and the holding company for The
Highlights
PVBC's equity is up by 4.3% year-on-year
The gross profit has surged by 192% year-on-year but it has declined by 15% since the previous quarter
Provident Bancorp's revenue has soared by 192% YoY but it has decreased by 15% from the previous quarter
The debt has soared by 81% year-on-year and by 62% since the previous quarter
The stock's price to earnings (P/E) is 46% more than its last 4 quarters average of 16.1 and 42% more than its 5-year quarterly average of 16.6
Key stats
What are the main financial stats of PVBC
Market
Valuations
Earnings
Shares outstanding
17.67M
Market cap
$183.74M
Enterprise value
$163.87M
Price to earnings (P/E)
24.19
Price to book (P/B)
0.82
Price to sales (P/S)
2.96
EV/EBIT
17.82
EV/EBITDA
15.9
EV/Sales
2.79
Revenue
$58.7M
EBIT
$9.2M
EBITDA
$10.31M
Free cash flow
$5.25M
Per share
Balance sheet
Liquidity
EPS
$0.43
Free cash flow per share
$0.31
Book value per share
$12.71
Revenue per share
$3.51
TBVPS
$98.57
Total assets
$1.65B
Total liabilities
$1.42B
Debt
$151.75M
Equity
$224.34M
Working capital
N/A
Debt to equity
0.68
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.93
Margins
Efficiency
Dividend
EBITDA margin
17.6%
Gross margin
100%
Net margin
12%
Operating margin
15.7%
Return on assets
0.4%
Return on equity
3.2%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
15.7%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
PVBC stock price
How has the Provident Bancorp stock price performed over time
Intraday
2.77%
1 week
-0.29%
1 month
6.67%
1 year
6.67%
YTD
3.28%
QTD
2.06%
Financial performance
How have Provident Bancorp's revenue and profit performed over time
Revenue
$58.7M
Gross profit
$58.7M
Operating income
$9.2M
Net income
$7.06M
Gross margin
100%
Net margin
12%
The gross profit has surged by 192% year-on-year but it has declined by 15% since the previous quarter
Provident Bancorp's revenue has soared by 192% YoY but it has decreased by 15% from the previous quarter
Provident Bancorp's net income has surged by 126% YoY but it has decreased by 49% QoQ
The company's operating income has surged by 126% YoY but it has shrunk by 51% QoQ
Growth
What is Provident Bancorp's growth rate over time
Valuation
What is Provident Bancorp stock price valuation
P/E
24.19
P/B
0.82
P/S
2.96
EV/EBIT
17.82
EV/EBITDA
15.9
EV/Sales
2.79
The EPS has soared by 126% YoY but it has contracted by 49% from the previous quarter
The stock's price to earnings (P/E) is 46% more than its last 4 quarters average of 16.1 and 42% more than its 5-year quarterly average of 16.6
PVBC's price to book (P/B) is 20% lower than its 5-year quarterly average of 1.0
PVBC's equity is up by 4.3% year-on-year
Provident Bancorp's revenue has soared by 192% YoY but it has decreased by 15% from the previous quarter
The price to sales (P/S) is 36% lower than the 5-year quarterly average of 4.5 but 15% higher than the last 4 quarters average of 2.5
Efficiency
How efficient is Provident Bancorp business performance
PVBC's return on invested capital has surged by 127% year-on-year but it has dropped by 50% since the previous quarter
Provident Bancorp's ROE has soared by 125% YoY but it has decreased by 49% from the previous quarter
Provident Bancorp's return on assets has surged by 125% YoY but it has shrunk by 50% QoQ
The ROS has soared by 109% YoY but it has contracted by 42% from the previous quarter
Dividends
What is PVBC's dividend history
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
Dividend history
Special dividends are included in TTM DPS and yield
Financial health
How did Provident Bancorp financials performed over time
The company's total assets is 16% higher than its total liabilities
PVBC's total liabilities is down by 8% year-on-year
The company's total assets fell by 7% YoY
The debt is 32% smaller than the equity
The debt has soared by 81% year-on-year and by 62% since the previous quarter
The company's debt to equity has surged by 74% YoY and by 66% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.