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PVBC Provident Bancorp Inc
- Stocks
- Financial Services
- NASDAQ: PVBC
Price (delayed)
$11.27
Market cap
$200.48M
P/E Ratio
26.21
Dividend/share
N/A
EPS
$0.43
Enterprise value
$79.76M
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
The debt has dropped by 62% since the previous quarter and by 56% year-on-year
PVBC's equity is up by 4.1% year-on-year and by 2.2% since the previous quarter
Provident Bancorp's net income has increased by 37% QoQ but it has decreased by 34% YoY
The EPS has contracted by 35% YoY but it has grown by 34% from the previous quarter
Provident Bancorp's revenue has decreased by 16% YoY
The gross profit has declined by 16% year-on-year
Key stats
What are the main financial stats of PVBC
Market
Valuations
Earnings
Shares outstanding
17.79M
Market cap
$200.48M
Enterprise value
$79.76M
Price to earnings (P/E)
26.21
Price to book (P/B)
0.86
Price to sales (P/S)
3.4
EV/EBIT
8.5
EV/EBITDA
7.63
EV/Sales
1.44
Revenue
$55.4M
Gross profit
$55.4M
Operating income
$9.38M
Net income
$7.27M
EBIT
$9.38M
EBITDA
$10.46M
Free cash flow
$11.53M
Per share
Balance sheet
Liquidity
EPS
$0.43
EPS diluted
$0.43
Free cash flow per share
$0.69
Book value per share
$13.03
Revenue per share
$3.31
TBVPS
$95.24
Total assets
$1.59B
Total liabilities
$1.36B
Debt
$48.43M
Equity
$231.09M
Working capital
N/A
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-11.55
Margins
Efficiency
Dividend
EBITDA margin
18.9%
Gross margin
100%
Net margin
13.1%
Operating margin
16.9%
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
16.9%
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
0.45%
1 week
2.83%
1 month
2.64%
1 year
17.03%
YTD
-1.14%
QTD
-1.83%
Financial performance
How have Provident Bancorp's revenue and profit performed over time
Revenue
$55.4M
Gross profit
$55.4M
Operating income
$9.38M
Net income
$7.27M
Gross margin
100%
Net margin
13.1%
The company's operating income fell by 37% YoY but it rose by 35% QoQ
Provident Bancorp's net income has increased by 37% QoQ but it has decreased by 34% YoY
The net margin is up by 36% since the previous quarter but it has declined by 21% year-on-year
PVBC's operating margin is up by 34% since the previous quarter but it is down by 25% year-on-year
Price vs fundamentals
How does PVBC's price correlate with its fundamentals
Growth
What is Provident Bancorp's growth rate over time
Valuation
What is Provident Bancorp stock price valuation
P/E
26.21
P/B
0.86
P/S
3.4
EV/EBIT
8.5
EV/EBITDA
7.63
EV/Sales
1.44
The EPS has contracted by 35% YoY but it has grown by 34% from the previous quarter
The stock's price to earnings (P/E) is 10% more than its last 4 quarters average of 23.7
PVBC's price to book (P/B) is 8% higher than its last 4 quarters average of 0.8 but 4.4% lower than its 5-year quarterly average of 0.9
PVBC's equity is up by 4.1% year-on-year and by 2.2% since the previous quarter
The price to sales (P/S) is 21% lower than the 5-year quarterly average of 4.3 but 13% higher than the last 4 quarters average of 3.0
Provident Bancorp's revenue has decreased by 16% YoY
Efficiency
How efficient is Provident Bancorp business performance
PVBC's return on invested capital has surged by 50% since the previous quarter but it is down by 40% year-on-year
Provident Bancorp's ROE has decreased by 37% YoY but it has increased by 33% from the previous quarter
The ROS has grown by 34% from the previous quarter but it has contracted by 25% YoY
Provident Bancorp's return on assets has increased by 33% QoQ but it has decreased by 33% YoY
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 17% higher than its total liabilities
PVBC's total liabilities is down by 6% year-on-year and by 4.2% since the previous quarter
The company's total assets fell by 4.6% YoY and by 3.3% QoQ
The debt is 79% smaller than the equity
The company's debt to equity has shrunk by 63% QoQ and by 57% YoY
The debt has dropped by 62% since the previous quarter and by 56% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.