Provident Bancorp, Inc. (PVBC) Earnings History
Earnings Pressure12 years of earnings data (2013–2024) · 5-year EPS trend is negative
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Provident Bancorp, Inc. (PVBC) Earnings Overview
As of June 28, 2026, Provident Bancorp, Inc. (PVBC) reported trailing twelve-month net income of $13M, reflecting -34.8% year-over-year growth. The company earned $0.74 per diluted share over the past four quarters, with a net profit margin of 7.7%.
Looking at the long-term picture, PVBC's 5-year EPS compound annual growth rate (CAGR) stands at -6.4%, signaling declining earnings. The company achieved its highest annual net income of $16M in fiscal 2021.
Provident Bancorp, Inc. maintains positive profitability with a gross margin of 57.6%, operating margin of 10.0%, and net margin of 7.7%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), INDB ($241M net income, 17.6% margin), NECB ($44M net income, 28.2% margin), PVBC has room to improve margins relative to the peer group. Compare PVBC vs NBTB →
PVBC Earnings vs Peers
Earnings metrics vs comparable public companies
PVBC Historical Earnings Data (2013–2024)
12 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $7M | -33.6% | $9M | $0.43 | 7.7% | 10.0% |
| 2023 | $11M | +151.0% | $15M | $0.66 | 11.4% | 15.4% |
| 2022 | -$21M | -233.0% | -$27M | $-1.30 | -25.4% | -32.2% |
| 2021 | $16M | +34.7% | $22M | $0.93 | 23.3% | 31.9% |
| 2020 | $12M | +10.9% | $17M | $0.66 | 18.7% | 26.0% |
| 2019 | $11M | +15.9% | $15M | $0.60 | 19.4% | 26.3% |
| 2018 | $9M | +17.8% | $13M | $1.00 | 20.0% | 27.0% |
| 2017 | $8M | +24.9% | $15M | $0.86 | 17.3% | 33.5% |
| 2016 | $6M | +65.8% | $9M | $0.69 | 19.0% | 28.1% |
| 2015 | $4M | -16.2% | $5M | $0.38 | 13.1% | 17.7% |
| 2014 | $5M | +13.7% | $6M | $0.46 | 16.8% | 22.1% |
| 2013 | $4M | - | $6M | $0.40 | 15.0% | 21.0% |
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PVBC — Frequently Asked Questions
Quick answers to the most common questions about buying PVBC stock.
What is PVBC earnings per share (EPS)?
PVBC trailing twelve-month (TTM) diluted EPS is $0.74, reflecting -34.8% year-over-year growth. The 5-year EPS CAGR is -6.4%. Complete EPS history from 2013 to 2024 is available in the table on this page.
What is Provident Bancorp, Inc.'s net income?
Provident Bancorp, Inc. (PVBC) trailing twelve-month net income is $13M as of 2024. Earnings declined -34.8% year-over-year. Provident Bancorp, Inc. has been profitable for 2 consecutive years.
Is PVBC profitable?
Yes, PVBC is profitable with a TTM net income of $13M and a net profit margin of +7.7%. Provident Bancorp, Inc. has generated profits for 2 consecutive years.
What is PVBC's earnings growth rate?
PVBC compound annual EPS growth rates (CAGR): 1-Year: -34.8%, 3-Year: -22.7%, 5-Year: -6.4%, 10-Year: -0.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2013 to 2024.
What are PVBC's profit margins?
Provident Bancorp, Inc. net profit margin is +7.7%, operating margin is +10.0%, and gross margin is +57.6%. Margins are within a typical range for the sector. Return on Equity is +3.2%.
Is PVBC growing earnings?
PVBC earnings are declining — EPS fell -34.8% year-over-year. TTM net income dropped to $13M. This contrasts with the 5-year CAGR of -6.4%.
What was PVBC's best earnings year?
Provident Bancorp, Inc.'s highest annual net income on record is $16M, achieved in fiscal year 2021. Earnings history on this page spans 2013 to 2024 and includes all annual and quarterly figures.
What were PVBC's earnings last quarter?
PVBC's most recent reported quarter was Q3 2025. Net income was $3M with diluted EPS of $0.16. For a full breakdown of all quarters, see the quarterly earnings table on this page.