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Provident Bancorp, Inc.(PVBC)Earnings, Financials & Key Ratios
PVBC•NASDAQ•Banking & Credit
$13.50
$240M mkt cap·31.4× P/E·Price updated Apr 24, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutProvident Bancorp, Inc. operates as the bank holding company for The Provident Bank that provides various financial services to individuals and small businesses in the United States. It offers checking, term certificate, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial real estate, multi-family residential real estate, commercial business, construction and land development, mortgage warehouse, one- to four-family residential, and consumer loans, as well as home equity loans and lines of credit; and invests in securities, and state and municipal bonds. As of December 31, 2021, it operated through its main office and six branch offices located in Amesbury and Newburyport, Massachusetts; and Bedford, Exeter, Portsmouth, and Seabrook, New Hampshire, as well as two loan production offices located in Boston, Massachusetts, and Ponte Vedra, Florida. The company was founded in 1828 and is headquartered in Amesbury, Massachusetts.Show more
- Net Interest Income$50M-13.2%
- Total Revenue$94M-2.0%
- Net Income$7M-33.6%
- Return on Equity3.21%-37.1%
- Net Interest Margin3.17%-9.0%
- Efficiency Ratio47.63%-8.3%
- ROA0.45%-32.7%
- Equity / Assets14.5%+9.2%
- Book Value per Share13.77+3.0%
- Tangible BV/Share13.77+3.0%
- Debt/Equity0.21-57.3%
PVBC Key Insights
Provident Bancorp, Inc. (PVBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 47.6% efficiency ratio
- ✓Well capitalized: 14.5% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.0x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PVBC Price & Volume
Provident Bancorp, Inc. (PVBC) stock price & volume — 10-year historical chart
Loading chart...
PVBC Growth Metrics
Provident Bancorp, Inc. (PVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.24%
5 Years11.11%
3 Years10.81%
TTM-
Profit CAGR
10 Years4.77%
5 Years-7.62%
3 Years-23.34%
TTM136.14%
EPS CAGR
10 Years-0.67%
5 Years-6.45%
3 Years-22.67%
TTM132.49%
Return on Capital
10 Years4.56%
5 Years2.73%
3 Years-0.24%
Last Year3.8%
PVBC Recent Earnings
Provident Bancorp, Inc. (PVBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 3/12 qtrs (33%)
Q4 2025Latest
Oct 23, 2025EPS
$0.16
Est $0.13
+23.1%
Revenue
$14M
Est $15M
-4.9%
Q3 2025
Jul 24, 2025EPS
$0.17
Est $0.12
+41.7%
Revenue
$15M
Est $15M
+2.6%
Q2 2025
Apr 25, 2025EPS
$0.13
Est $0.22
-40.9%
Revenue
$14M
Est $15M
-7.7%
Q2 2025
Mar 31, 2025EPS
$0.29
Revenue
$24M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Oct 23, 2025 | $0.16vs $0.13+23.1% | $14Mvs $15M-4.9% |
| Q3 2025 | Jul 24, 2025 | $0.17vs $0.12+41.7% | $15Mvs $15M+2.6% |
| Q2 2025 | Apr 25, 2025 | $0.13vs $0.22-40.9% | $14Mvs $15M-7.7% |
| Q2 2025 | Mar 31, 2025 | $0.29 | $24M |
Based on last 12 quarters of dataView full earnings history →
PVBC Peer Comparison
Provident Bancorp, Inc. (PVBC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 INDB | 3.91B | 78.63 | 17.39 | 6.89% | 5.07% | 0.23 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 DCOM | 1.64B | 37.19 | 15.69 | 13.03% | 7.67% | 0.25 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 CTBI | 1.2B | 66.27 | 14.38 | 15.23% | 11.22% | 0.42 |
Compare PVBC vs Peers
Provident Bancorp, Inc. (PVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PVBC Income Statement
Provident Bancorp, Inc. (PVBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 26.11M | 32.06M | 37.13M | 43.39M | 54.47M | 61.43M | 75.03M | 58.17M | 50.49M | 53.23M |
| NII Growth % | 12.16% | 22.78% | 15.82% | 16.87% | 25.54% | 12.78% | 22.13% | -22.47% | -13.2% | 23.12% |
| Net Interest Margin % | 3.28% | 3.55% | 3.81% | 3.87% | 3.62% | 3.55% | 4.59% | 3.48% | 3.17% | 3.57% |
| Interest Income | 28.89M | 35.78M | 42.34M | 51.54M | 60.4M | 64.8M | 79.33M | 90.3M | 89.46M | 86.31M |
| Interest Expense | 2.79M | 3.73M | 5.21M | 8.15M | 5.93M | 3.37M | 4.3M | 32.13M | 38.97M | 33.08M |
| Loan Loss Provision | 703K | 2.93M | 3.33M | 5.33M | 5.6M | 3.89M | 56.43M | -678K | 1M | -2.38M |
| Non-Interest Income | 4.43M | 9.96M | 4.18M | 4.11M | 3.54M | 4.47M | 5.22M | 5.91M | 4.78M | 5.26M |
| Non-Interest Income % | 13.31% | 21.77% | 8.98% | 7.39% | 5.54% | 6.45% | 6.17% | 6.14% | 5.08% | 5.75% |
| Total Revenue | 33.33M▲ 0% | 45.74M▲ 37.2% | 46.52M▲ 1.7% | 55.65M▲ 19.6% | 63.95M▲ 14.9% | 69.27M▲ 8.3% | 84.55M▲ 22.0% | 96.2M▲ 13.8% | 94.24M▼ 2.0% | 91.57M▲ 0% |
| Revenue Growth % | 13.91% | 37.23% | 1.71% | 19.63% | 14.91% | 8.33% | 22.05% | 13.79% | -2.04% | -14.01% |
| Non-Interest Expense | 20.48M | 23.75M | 25.41M | 27.56M | 35.81M | 39.92M | 51.08M | 49.98M | 44.89M | 43.84M |
| Efficiency Ratio | 61.44% | 51.93% | 54.63% | 49.52% | 56% | 57.63% | 60.42% | 51.95% | 47.63% | 47.87% |
| Operating Income | 9.36M▲ 0% | 15.33M▲ 63.7% | 12.56M▼ 18.1% | 14.62M▲ 16.4% | 16.61M▲ 13.6% | 22.09M▲ 33.0% | -27.26M▼ 223.4% | 14.78M▲ 154.2% | 9.38M▼ 36.5% | 17.03M▲ 0% |
| Operating Margin % | 28.1% | 33.52% | 27% | 26.27% | 25.98% | 31.89% | -32.24% | 15.36% | 9.95% | 18.6% |
| Operating Income Growth % | 80.56% | 63.74% | -18.07% | 16.37% | 13.62% | 33.01% | -223.38% | 154.21% | -36.52% | - |
| Pretax Income | 9.36M▲ 0% | 15.33M▲ 63.7% | 12.56M▼ 18.1% | 14.62M▲ 16.4% | 16.61M▲ 13.6% | 22.09M▲ 33.0% | -27.26M▼ 223.4% | 14.78M▲ 154.2% | 9.38M▼ 36.5% | 17.03M▲ 0% |
| Pretax Margin % | 28.1% | 33.52% | 27% | 26.27% | 25.98% | 31.89% | -32.24% | 15.36% | 9.95% | 18.6% |
| Income Tax | 3.02M | 7.42M | 3.24M | 3.81M | 4.63M | 5.95M | -5.79M | 3.82M | 2.11M | 4.48M |
| Effective Tax Rate % | 32.3% | 48.38% | 25.77% | 26.07% | 27.84% | 26.95% | 21.24% | 25.87% | 22.49% | 26.33% |
| Net Income | 6.34M▲ 0% | 7.92M▲ 24.9% | 9.32M▲ 17.8% | 10.81M▲ 15.9% | 11.98M▲ 10.9% | 16.14M▲ 34.7% | -21.47M▼ 233.0% | 10.95M▲ 151.0% | 7.27M▼ 33.6% | 12.55M▲ 0% |
| Net Margin % | 19.02% | 17.31% | 20.05% | 19.42% | 18.74% | 23.3% | -25.39% | 11.39% | 7.72% | 13.7% |
| Net Income Growth % | 65.81% | 24.86% | 17.81% | 15.9% | 10.89% | 34.66% | -233.02% | 151.02% | -33.62% | 136.14% |
| Net Income (Continuing) | 6.34M | 7.92M | 9.32M | 10.81M | 11.98M | 16.14M | -21.47M | 10.95M | 7.27M | 12.55M |
| EPS (Diluted) | 0.69▲ 0% | 0.86▲ 24.6% | 1.00▲ 16.3% | 0.60▼ 40.0% | 0.66▲ 10.0% | 0.93▲ 40.9% | -1.30▼ 239.8% | 0.66▲ 150.8% | 0.43▼ 34.8% | 0.74▲ 0% |
| EPS Growth % | 81.58% | 24.64% | 16.28% | -40% | 10% | 40.91% | -239.78% | 150.77% | -34.85% | 132.49% |
| EPS (Basic) | 0.69 | 0.86 | 1.01 | 0.60 | 0.66 | 0.96 | -1.30 | 0.66 | 0.43 | - |
| Diluted Shares Outstanding | 9.18M | 9.2M | 9.31M | 18.07M | 18.13M | 17.3M | 16.48M | 16.59M | 16.78M | 16.98M |
PVBC Balance Sheet
Provident Bancorp, Inc. (PVBC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 128.57M | 109.12M | 80.02M | 101.45M | 116.03M | 189.95M | 109.23M | 248.9M | 169.14M | 589.09M |
| Cash & Due from Banks | 10.71M | 47.69M | 28.61M | 59.66M | 83.82M | 153.12M | 80.63M | 220.33M | 169.14M | 128.88M |
| Short Term Investments | 117.87M | 61.43M | 51.4M | 41.79M | 32.22M | 36.84M | 28.6M | 28.57M | 0 | 18.64M |
| Total Investments | 742.29M | 806.85M | 886.93M | 1B | 1.35B | 1.49B | 1.44B | 1.35B | 1.33B | 1.27B |
| Investments Growth % | 9.07% | 8.7% | 9.92% | 12.87% | 34.56% | 10.87% | -3.27% | -6.57% | -1.37% | -18.63% |
| Long-Term Investments | 624.42M | 745.42M | 835.53M | 959.29M | 1.31B | 1.46B | 1.42B | 1.32B | 1.33B | 5.21B |
| Accounts Receivables | 2.32M | 2.35M | 2.64M | 2.85M | 6.37M | 5.7M | 6.6M | 6.09M | 5.3M | 4.21M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 11.59M | 10.98M | 16.09M | 18.44M | 18.97M | 18.36M | 17.52M | 16.77M | 13.62M | 15.49M |
| Other Assets | 23.73M | 29.48M | 33.37M | 32.52M | 49.59M | 48.66M | 70.19M | 62.93M | 60.03M | 61.54M |
| Total Current Assets | 130.89M | 111.46M | 82.65M | 104.3M | 122.41M | 195.66M | 115.83M | 254.99M | 174.44M | 151.73M |
| Total Non-Current Assets | 664.65M | 790.8M | 891.42M | 1.02B | 1.38B | 1.53B | 1.52B | 1.42B | 1.42B | 1.34B |
| Total Assets | 795.54M▲ 0% | 902.26M▲ 13.4% | 974.08M▲ 8.0% | 1.12B▲ 15.2% | 1.51B▲ 34.2% | 1.73B▲ 14.8% | 1.64B▼ 5.4% | 1.67B▲ 2.1% | 1.59B▼ 4.6% | 1.49B▲ 0% |
| Asset Growth % | 7.01% | 13.41% | 7.96% | 15.18% | 34.21% | 14.84% | -5.37% | 2.07% | -4.62% | -26.87% |
| Return on Assets (ROA) | 0.82% | 0.93% | 0.99% | 1.03% | 0.91% | 1% | -1.28% | 0.66% | 0.45% | 0.81% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 49.86M | 26.84M | 68.02M | 28.88M | 17.99M | 17.89M | 131.11M | 108.87M | 48.42M | 13.36M |
| Net Debt | 39.15M | -20.85M | 39.41M | -30.78M | -65.83M | -135.23M | 50.48M | -111.46M | -120.72M | -115.52M |
| Long-Term Debt | 49.86M | 26.84M | 68.02M | 25M | 13.5M | 13.5M | 18.33M | 9.7M | 9.56M | 4.46M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 108.5M | 95M | 35M | 3M |
| Other Liabilities | 8.55M | 9.59M | 12.38M | 12.07M | 14.51M | 17.72M | 18.15M | 8.32M | 4.7M | 4.84M |
| Total Current Liabilities | 627.98M | 750.06M | 768.1M | 849.9M | 1.24B | 1.46B | 1.39B | 1.43B | 1.34B | 1.24B |
| Total Non-Current Liabilities | 58.41M | 36.43M | 80.4M | 40.95M | 32.5M | 35.61M | 40.76M | 22.18M | 18.12M | 15.2M |
| Total Liabilities | 686.39M | 786.49M | 848.5M | 890.86M | 1.27B | 1.5B | 1.43B | 1.45B | 1.36B | 1.25B |
| Total Equity | 109.15M▲ 0% | 115.78M▲ 6.1% | 125.58M▲ 8.5% | 230.93M▲ 83.9% | 235.86M▲ 2.1% | 233.78M▼ 0.9% | 207.54M▼ 11.2% | 221.9M▲ 6.9% | 231.09M▲ 4.1% | 241.03M▲ 0% |
| Equity Growth % | 7.64% | 6.07% | 8.47% | 83.89% | 2.13% | -0.88% | -11.22% | 6.92% | 4.14% | 19.51% |
| Equity / Assets (Capital Ratio) | 13.72% | 12.83% | 12.89% | 20.58% | 15.66% | 13.52% | 12.68% | 13.29% | 14.5% | 16.16% |
| Return on Equity (ROE) | 6.02% | 7.04% | 7.73% | 6.06% | 5.14% | 6.87% | -9.73% | 5.1% | 3.21% | 5.32% |
| Book Value per Share | 11.89 | 12.58 | 13.49 | 12.78 | 13.01 | 13.51 | 12.59 | 13.37 | 13.77 | 14.19 |
| Tangible BV per Share | 11.89 | 12.58 | 13.49 | 12.78 | 13.01 | 13.51 | 12.59 | 13.37 | 13.77 | 14.19 |
| Common Stock | 0 | 0 | 0 | 195K | 191K | 179K | 177K | 177K | 178K | 178K |
| Additional Paid-in Capital | 43.39M | 44.59M | 45.9M | 146.17M | 139.45M | 123.5M | 122.85M | 124.13M | 125.45M | 126.77M |
| Retained Earnings | 66.23M | 74.14M | 83.35M | 94.16M | 104.51M | 118.09M | 94.63M | 106.28M | 113.56M | 121.22M |
| Accumulated OCI | 2.62M | 589K | -255K | 458K | 1.06M | 649K | -2.2M | -1.5M | -1.63M | -1.21M |
| Treasury Stock | 0 | -594K | -788K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PVBC Cash Flow Statement
Provident Bancorp, Inc. (PVBC) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 8.61M | 9.48M | 16.75M | 17.51M | 18.18M | 24.31M | 21.91M | 5.55M | 11.9M | 11.9M |
| Operating CF Growth % | 26.24% | 10.08% | 76.8% | 4.5% | 3.84% | 33.73% | -9.9% | -74.65% | 114.27% | 197.25% |
| Net Income | 6.34M | 7.92M | 9.32M | 10.81M | 11.98M | 16.14M | -21.47M | 10.95M | 7.27M | 12.55M |
| Depreciation & Amortization | 832K | 811K | 914K | 1.39M | 1.09M | 1.03M | 1.1M | 1.09M | 1.07M | 885K |
| Deferred Taxes | -394K | 1.31M | -1.24M | -1.05M | -2.2M | -578K | -5.98M | 1.87M | 691K | 2.95M |
| Other Non-Cash Items | 922K | -2.24M | 3.61M | 4.52M | 4.97M | 2.77M | 55.22M | -1.9M | -273K | -4.49M |
| Working Capital Changes | 437K | 245K | 2.61M | -237K | 405K | 995K | -10.12M | -8.56M | 1.02M | 2.07M |
| Cash from Investing | -61.55M | -70.96M | -94.83M | -116.63M | -360.45M | -155.72M | -22.34M | 104.73M | 19.38M | 147.06M |
| Purchase of Investments | -9.84M | -13.12M | 0 | -13.73M | 0 | -13.63M | 0 | -1.82M | 0 | 0 |
| Sale/Maturity of Investments | 18.89M | 71.28M | 8.63M | 24.19M | 10.11M | 8.28M | 4.34M | 2.61M | 2.59M | 2.73M |
| Net Investment Activity | 9.05M | 58.16M | 8.63M | 10.46M | 10.11M | -5.35M | 4.34M | 790K | 2.59M | 2.73M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -69.73M | -125.69M | -101.07M | -120.85M | -369.66M | -149.96M | -26.42M | 104.28M | 17.16M | 144.75M |
| Cash from Financing | 43.18M | 98.46M | 59.01M | 130.17M | 366.43M | 200.7M | -72.05M | 29.42M | -82.47M | -173.28M |
| Dividends Paid | 0 | 0 | 0 | 0 | -1.64M | -2.56M | -1.99M | 0 | 0 | 0 |
| Share Repurchases | 0 | -594K | -215K | -193K | -7.96M | -18.96M | -2.97M | -74K | -56K | 17K |
| Stock Issued | 0 | 0 | 0 | 91.58M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | -594K | -215K | 91.39M | -7.96M | -18.96M | -2.97M | -74K | -56K | 17K |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | -1000K | 0 | 1000K | -1000K | -1000K | -2M |
| Other Financing | 50.75M | 122.08M | 18.04M | 81.81M | 387.52M | 222.23M | -180.42M | 51.63M | -22.27M | -56.16M |
| Net Change in Cash | -9.76M▲ 0% | 36.98M▲ 479.0% | -19.08M▼ 151.6% | 31.05M▲ 262.7% | 24.16M▼ 22.2% | 69.3M▲ 186.8% | -72.49M▼ 204.6% | 139.7M▲ 292.7% | -51.19M▼ 136.6% | -9.78M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 20.46M | 10.71M | 47.69M | 28.61M | 59.66M | 83.82M | 153.12M | 80.63M | 220.33M | 128.91M |
| Cash at End | 10.71M | 47.69M | 28.61M | 59.66M | 83.82M | 153.12M | 80.63M | 220.33M | 169.14M | 128.88M |
| Interest Paid | 2.78M | 3.73M | 5.33M | 8.15M | 5.93M | 3.08M | 4.28M | 31.99M | 39.12M | 33.09M |
| Income Taxes Paid | 3.08M | 6.67M | 3.64M | 5.01M | 6.26M | 8.38M | 5.16M | 163K | 334K | -15K |
| Free Cash Flow | 7.74M▲ 0% | 6.05M▼ 21.8% | 14.36M▲ 137.3% | 11.26M▼ 21.5% | 17.27M▲ 53.3% | 23.9M▲ 38.4% | 21.64M▼ 9.4% | 5.21M▼ 75.9% | 11.53M▲ 121.1% | 16.01M▲ 0% |
| FCF Growth % | 54.7% | -21.78% | 137.27% | -21.54% | 53.33% | 38.4% | -9.45% | -75.91% | 121.1% | 31.57% |
PVBC Banking Ratios
Provident Bancorp, Inc. (PVBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.02% | 7.04% | 7.73% | 6.06% | 5.14% | 6.87% | -9.73% | 5.1% | 3.21% | 5.32% |
| Return on Assets (ROA) | 0.82% | 0.93% | 0.99% | 1.03% | 0.91% | 1% | -1.28% | 0.66% | 0.45% | 0.81% |
| Net Interest Margin | 3.28% | 3.55% | 3.81% | 3.87% | 3.62% | 3.55% | 4.59% | 3.48% | 3.17% | 3.57% |
| Efficiency Ratio | 61.44% | 51.93% | 54.63% | 49.52% | 56% | 57.63% | 60.42% | 51.95% | 47.63% | 47.87% |
| Equity / Assets | 13.72% | 12.83% | 12.89% | 20.58% | 15.66% | 13.52% | 12.68% | 13.29% | 14.5% | 16.16% |
| Book Value / Share | 11.89 | 12.58 | 13.49 | 12.78 | 13.01 | 13.51 | 12.59 | 13.37 | 13.77 | 14.19 |
| NII Growth | 12.16% | 22.78% | 15.82% | 16.87% | 25.54% | 12.78% | 22.13% | -22.47% | -13.2% | 5.59% |
| Dividend Payout | - | - | - | - | 13.65% | 15.86% | - | - | - | 0% |
PVBC SEC Filings & Documents
Provident Bancorp, Inc. (PVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
PVBC Frequently Asked Questions
Provident Bancorp, Inc. (PVBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Provident Bancorp, Inc. (PVBC) saw revenue decline by 2.0% over the past year.
Yes, Provident Bancorp, Inc. (PVBC) is profitable, generating $12.5M in net income for fiscal year 2024 (7.7% net margin).
Dividend & Returns
Provident Bancorp, Inc. (PVBC) has a return on equity (ROE) of 3.2%. This is below average, suggesting room for improvement.
Industry Metrics
Provident Bancorp, Inc. (PVBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Provident Bancorp, Inc. (PVBC) has an efficiency ratio of 47.6%. This is excellent, indicating strong cost control.
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Provident Bancorp, Inc. (PVBC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
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Valuation
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