PVBC trades 11.1% above Wall Street's consensus target of $12.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes PVBC achieves its forward estimates and maintains a stable P/E multiple of 20.8x. This scenario reflects the blended consensus of 3 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of June 29, 2026, Provident Bancorp, Inc. (PVBC) has a Wall Street consensus price target of $12.00, based on estimates from 3 covering analysts. With the stock currently trading at $13.50, this represents a potential downside of -11.1%. The company has a market capitalization of $240M.
Analyst price targets range from a low of $12.00 to a high of $12.00, representing a 0% spread in expectations. The median target of $12.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 1 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, PVBC trades at a trailing P/E of 31.4x and forward P/E of 20.8x. Analysts expect EPS to grow -12.0% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $10.80, with bear and bull scenarios of $6.81 and $14.23 respectively. Model confidence stands at 50/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
NBTBNBT Bancorp Inc. | $2.6B | $49.17 | $56.00 | +12.9% | Hold | 11.9x | 10 |
INDBIndependent Bank Corp. | $4.0B | $83.41 | $93.33 | +9.6% | Hold | 11.7x | 15 |
NECBNortheast Community Bancorp, Inc. | $384M | $27.74 | $29.50 | +6.2% | Hold | 8.9x | 1 |
WSFSWSFS Financial Corporation | $4.0B | $76.70 | $79.00 | +2.1% | Hold | 12.4x | 13 |
DCOMDime Community Bancshares, Inc. | $1.8B | $40.49 | $39.50 | -2.7% | Hold | 12.0x | 10 |
NFBKNorthfield Bancorp, Inc. | $611M | $14.64 | $14.50 | -3.3% | Hold | 11.1x | 9 |
TRSTTrustCo Bank Corp NY | $947M | $54.20 | — | — | Hold | 19.0x | 3 |
CTBICommunity Trust Bancorp, Inc. | $1.3B | $72.24 | $76.00 | +5.0% | Hold | 11.8x | 6 |
FHNFirst Horizon Corporation | $12.1B | $25.58 | $28.00 | +9.6% | Hold | 11.9x | 35 |
TREELendingTree, Inc. | $592M | $42.76 | $69.00 | +69.6% | Buy | 7.2x | 23 |
Quick answers to the most common questions about buying PVBC stock.
PVBC's consensus price target is $12, -11.1% below the current price of $13.5. The 3 analysts tracking PVBC see downside risk at present valuations.
PVBC has a consensus rating of "Hold" based on 3 Wall Street analysts. The rating breakdown is mixed, with 2 Hold ratings making up the largest segment. The consensus 12-month price target of $12 implies -11.1% downside from current levels.
PVBC trades at a forward P/E of 20.7692x, representing a moderate valuation. With analysts targeting $12 (-11.1% implied move), the stock appears close to fair value.
The most bullish Wall Street analyst has a price target of $12 for PVBC, while the most conservative target is $12. The consensus of $12 represents the median expectation. Our quantitative valuation model projects a bull case target of $14 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
PVBC is lightly followed, with 3 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month PVBC stock forecast based on 3 Wall Street analysts shows a consensus price target of $12, with estimates ranging from $12 (bear case) to $12 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $11, with bear/bull scenarios of $7/$14.
Our quantitative valuation model calculates PVBC's fair value at $11 (base case), with a bear case of $7 and bull case of $14. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 50/100.
PVBC trades at a forward P/E ratio of 20.8x based on next-twelve-months earnings estimates compared to a trailing P/E of 31.4x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on PVBC, with 0 Sell ratings and a price target of $12 (-11.1% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
PVBC analyst price targets range from $12 to $12, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $12 consensus represents the middle ground. Our model's $7-$14 range provides an independent fundamental perspective.
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