PVBC vs DCOM

For growth investors, Dime Community Bancshares, Inc.

(DCOM) is the stronger pick with 13. 0% revenue growth year-over-year, versus -2. 0% for Provident Bancorp, Inc. (PVBC). Dime Community Bancshares, Inc. (DCOM) offers the better valuation at 15. 7x trailing P/E (10. 7x forward), making it the more compelling value choice. Analysts rate Provident Bancorp, Inc. (PVBC) a "Hold" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Dime Community Bancshares, Inc.

(DCOM) is the cheapest at 15. 7x versus Provident Bancorp, Inc. at 31. 4x. On forward P/E, Dime Community Bancshares, Inc. is actually cheaper at 10. 7x.

Over the past 5 years, Dime Community Bancshares, Inc.

(DCOM) delivered a total return of +22. 7%, compared to -17. 4% for Provident Bancorp, Inc. (PVBC). Over 10 years, the gap is even starker: PVBC returned +100. 3% versus DCOM's +68. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Provident Bancorp, Inc.

(PVBC) is the lower-risk stock at 0. 43β versus Dime Community Bancshares, Inc. 's 1. 05β — meaning DCOM is approximately 142% more volatile than PVBC relative to the S&P 500. On balance sheet safety, Provident Bancorp, Inc. (PVBC) carries a lower debt/equity ratio of 21% versus 25% for Dime Community Bancshares, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Dime Community Bancshares, Inc.

(DCOM) is pulling ahead at 13. 0% versus -2. 0% for Provident Bancorp, Inc. (PVBC). On earnings-per-share growth, the picture is similar: Dime Community Bancshares, Inc. grew EPS 330. 9% year-over-year, compared to -34. 8% for Provident Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Dime Community Bancshares, Inc.

(DCOM) is the more profitable company, earning 15. 2% net margin versus 7. 7% for Provident Bancorp, Inc. — meaning it keeps 15. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: DCOM leads at 21. 5% versus 10. 0% for PVBC. At the gross margin level — before operating expenses — PVBC leads at 57. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Dime Community Bancshares, Inc.

(DCOM) trades at 10. 7x forward P/E versus 20. 8x for Provident Bancorp, Inc. — 10. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for DCOM: 6. 0% to $39. 50.

In this comparison, DCOM (2.

7% yield) pays a dividend. PVBC does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Provident Bancorp, Inc.

(PVBC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 43), +100. 3% 10Y return). Both have compounded well over 10 years (PVBC: +100. 3%, DCOM: +68. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: PVBC is a small-cap quality compounder stock; DCOM is a small-cap deep-value stock. DCOM pays a dividend while PVBC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.