Is Provident Bancorp Company in a good financial position today? Stocks: PVBC Based on the analysis of Provident Bancorp's profitability, liquidity, and operating efficiency, Provident Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. Stay informed regarding Provident Bancorp 2025 financials. Provident Bancorp financials, including financial statements for 2025, basic ratios, indicators and analysis of Provident Bancorp financial accounts and its historical trends

Provident Bancorp Financials

PVBC Stock  USD 11.30  0.09  0.79%   
Based on the analysis of Provident Bancorp's profitability, liquidity, and operating efficiency, Provident Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Provident Bancorp's Property Plant And Equipment Net is projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 177.6 M, whereas Total Assets are forecasted to decline to about 1.3 B. Key indicators impacting Provident Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.420.2096
Way Up
Slightly volatile
Current Ratio3.294.9839
Way Down
Pretty Stable
The essential information of the day-to-day investment outlook for Provident Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Provident Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Provident Bancorp.

Net Income

4.78 Million

9.3M10.8M12.0M16.1M-21.5M11.0M7.3M4.8M100%
  
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Please note, the presentation of Provident Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Provident Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Provident Bancorp's management manipulating its earnings.

Provident Bancorp Stock Summary

Provident Bancorp competes with Home Federal, Community West, First Northwest, First Capital, and Magyar Bancorp. Provident 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. The company was founded in 1828 and is headquartered in Amesbury, Massachusetts. Provident Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 170 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS74383L1052
CUSIP74383L105 74383X109
LocationMassachusetts; U.S.A
Business Address5 Market Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitebankprov.com
Phone877 487 2977
CurrencyUSD - US Dollar

Provident Bancorp Key Financial Ratios

Provident Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.5B1.7B1.6B1.7B1.6B1.3B
Other Liab12.1M14.5M17.7M18.1M20.9M12.3M
Net Debt(65.8M)(135.2M)50.5M(111.5M)(120.7M)(114.7M)
Retained Earnings104.5M118.1M94.6M106.3M113.6M93.7M
Accounts Payable849.9M1.2B1.5B1.3B1.5B945.5M
Cash83.8M153.1M80.6M220.3M169.1M177.6M
Other Assets1.4B1.5B1.5B1.4B1.7B1.0B
Net Receivables6.4M5.7M6.6M6.1M5.3M4.3M
Total Liab1.3B17.9M1.4B1.4B1.4B885.2M
Total Current Assets122.4M195.7M115.8M226.4M174.4M143.0M
Net Tangible Assets230.9M235.9M233.8M207.5M238.7M173.4M
Other Current Assets90.2M158.8M93.3M226.4M260.4M273.4M
Short Long Term Debt35.0M11.5M0.0108.5M95M44.3M
Short Term Debt258K261K108.5M95M40.5M40.1M
Inventory(90.2M)(158.8M)1.3B16.1M18.5M17.6M

Provident Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense5.9M3.4M4.3M32.1M39.0M40.9M
Total Revenue58.0M66.6M24.8M65.9M55.3M46.6M
Gross Profit58.0M66.6M81.2M65.9M55.4M51.8M
Operating Income16.6M22.1M(27.3M)14.8M9.4M8.2M
Ebit16.8M21.2M(28.2M)14.8M13.3M6.8M
Ebitda17.7M22.1M(27.3M)15.9M14.3M7.5M
Income Before Tax16.6M22.1M(27.3M)14.8M9.4M7.0M
Net Income12.0M16.1M(21.5M)11.0M7.3M4.8M
Income Tax Expense4.6M6.0M(5.8M)3.8M2.1M2.2M
Tax Provision4.6M6.0M(5.8M)4.5M2.1M2.4M
Net Interest Income54.5M61.4M75.0M63.4M50.5M51.3M
Interest Income60.4M64.8M79.3M87.7M89.5M62.2M

Provident Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash24.2M69.3M(72.5M)139.7M(51.2M)(48.6M)
Free Cash Flow17.3M23.9M21.6M5.2M11.5M12.2M
Depreciation1.1M1.0M1.1M1.1M1.1M1.0M
Other Non Cash Items5.0M2.8M55.2M(1.9M)3.9M7.1M
Capital Expenditures911K412K262K339K370K351.5K
Net Income12.0M16.1M(21.5M)11.0M7.3M4.8M
End Period Cash Flow83.8M153.1M80.6M220.3M169.1M177.6M
Investments(360.5M)(5.4M)(22.3M)179.3M19.4M20.3M
Change To Netincome2.9M5.5M4.7M6.2M7.1M7.4M

Provident Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Provident Bancorp's current stock value. Our valuation model uses many indicators to compare Provident Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Provident Bancorp competition to find correlations between indicators driving Provident Bancorp's intrinsic value. More Info.
JavaScript chart by amCharts 3.21.15OBTSSBKFCAPMGYRHFBLOFEDPVBC -0.05-0.04-0.03-0.02-0.0100.01 -0.0500.050.100.15
Provident Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.15  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Provident Bancorp is roughly  6.89 . At present, Provident Bancorp's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Provident Bancorp's earnings, one of the primary drivers of an investment's value.

Provident Bancorp Systematic Risk

Provident Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Provident Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Provident Bancorp correlated with the market. If Beta is less than 0 Provident Bancorp generally moves in the opposite direction as compared to the market. If Provident Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Provident Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Provident Bancorp is generally in the same direction as the market. If Beta > 1 Provident Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
JavaScript chart by amCharts 3.21.15MarAprMayApr 21Apr 28MayMay 12May 19May 26Jun10.911.011.111.211.311.411.511.6 20K30K40K50K60K 0.20.40.60.81.01.2 39K40K41K42K Show all
JavaScript chart by amCharts 3.21.15Provident Bancorp Volume Provident Bancorp Closing Prices Dow Jones Industrial Closing Prices - Benchmark Provident Bancorp Beta
Today, most investors in Provident Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Provident Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Provident Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.71)

-0.890.160.61-0.511.031.810.430.02-0.10-0.75-0.71100%
At present, Provident Bancorp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Provident Bancorp June 3, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Provident Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Provident Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Provident Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Provident Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Provident Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Provident Stock analysis

When running Provident Bancorp's price analysis, check to measure Provident Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Bancorp is operating at the current time. Most of Provident Bancorp's value examination focuses on studying past and present price action to predict the probability of Provident Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Bancorp's price. Additionally, you may evaluate how the addition of Provident Bancorp to your portfolios can decrease your overall portfolio volatility.
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