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Price (delayed)
$11.55
Market cap
$204.78M
P/E Ratio
36.09
Dividend/share
N/A
EPS
$0.32
Enterprise value
$194.6M
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 3.9% year-on-year
The debt is up by 37% year-on-year but it has declined by 15% since the previous quarter
The stock's price to earnings (P/E) is 107% more than its 5-year quarterly average of 17.4 and 73% more than its last 4 quarters average of 20.9
The EPS has plunged by 52% YoY and by 26% from the previous quarter
Key stats
What are the main financial stats of PVBC
Market
Valuations
Earnings
Shares outstanding
17.73M
Market cap
$204.78M
Enterprise value
$194.6M
Price to earnings (P/E)
36.09
Price to book (P/B)
0.9
Price to sales (P/S)
3.5
EV/EBIT
28
EV/EBITDA
24.12
EV/Sales
3.52
Revenue
$55.31M
Gross profit
$55.31M
Net income
$5.31M
EBIT
$6.95M
EBITDA
$8.07M
Free cash flow
$12.17M
Per share
Balance sheet
Liquidity
EPS
$0.32
EPS diluted
$0.32
Free cash flow per share
$0.73
Book value per share
$12.8
Revenue per share
$3.3
TBVPS
$98.41
Total assets
$1.65B
Total liabilities
$1.42B
Debt
$128.49M
Equity
$226.16M
Working capital
N/A
Debt to equity
0.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.26
Margins
Efficiency
Dividend
EBITDA margin
14.6%
Gross margin
100%
Net margin
9.6%
Operating margin
12.6%
Return on assets
0.3%
Return on equity
2.4%
Return on invested capital
0.4%
Return on capital employed
N/A
Return on sales
12.6%
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
1.4%
1 week
-1.53%
1 month
1.4%
1 year
15.5%
YTD
14.7%
QTD
7.04%
Financial performance
How have Provident Bancorp's revenue and profit performed over time
Revenue
$55.31M
Gross profit
$55.31M
Operating income
$6.95M
Net income
$5.31M
Gross margin
100%
Net margin
9.6%
The company's operating income has shrunk by 54% YoY and by 24% QoQ
Provident Bancorp's net income has shrunk by 50% YoY and by 25% QoQ
PVBC's operating margin is down by 41% year-on-year and by 20% since the previous quarter
The net margin has declined by 36% year-on-year and by 20% since the previous quarter
Growth
What is Provident Bancorp's growth rate over time
Valuation
What is Provident Bancorp stock price valuation
P/E
36.09
P/B
0.9
P/S
3.5
EV/EBIT
28
EV/EBITDA
24.12
EV/Sales
3.52
The stock's price to earnings (P/E) is 107% more than its 5-year quarterly average of 17.4 and 73% more than its last 4 quarters average of 20.9
The EPS has plunged by 52% YoY and by 26% from the previous quarter
PVBC's price to book (P/B) is 13% higher than its last 4 quarters average of 0.8
PVBC's equity is up by 3.9% year-on-year
The price to sales (P/S) is 30% higher than the last 4 quarters average of 2.7 but 20% lower than the 5-year quarterly average of 4.4
Provident Bancorp's revenue has decreased by 22% YoY and by 6% from the previous quarter
Efficiency
How efficient is Provident Bancorp business performance
PVBC's return on invested capital has dropped by 60% year-on-year and by 33% since the previous quarter
Provident Bancorp's ROE has plunged by 52% YoY and by 25% from the previous quarter
Provident Bancorp's return on assets has shrunk by 50% YoY and by 25% QoQ
The ROS has contracted by 41% YoY and by 20% 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 11% year-on-year
The company's total assets fell by 9% YoY
The debt is 43% smaller than the equity
The debt is up by 37% year-on-year but it has declined by 15% since the previous quarter
The company's debt to equity rose by 33% YoY but it fell by 16% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.