_id

6915e976bc934aba376b1bf3

Ticker

PVBC

Name

Provident Bancorp Inc

Exchange

NASDAQ

Address

5 Market Street, Amesbury, MA, United States, 01913

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://bankprov.com

Description

Provident Bancorp, Inc. operates as the bank holding company for BankProv that provides various banking services to commercial and consumer clients in the United States. The company offers checking, term certificate, NOW, money market, and savings accounts, as well as certificates of deposit. It also provides commercial business, commercial real estate, multi-family, construction and land development, mortgage warehouse, commercial, enterprise value, digital asset, and consumer loans. In addition, the company invests in securities. Provident Bancorp, Inc. was founded in 1828 and is headquartered in Amesbury, Massachusetts.

Last Close

13.1

Volume

14349

Current Price

13.5

Change

3.0534351145038197

Last Updated

2025-11-13T14:21:41.920Z

Image

data:image/webp;base64,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

Ipo Date

2015-07-16T00:00:00.000Z

Market Cap

227977360

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

0.813

Sentiment Sources

1

Rating

3

Target Price

12.5

Strong Buy

0

Buy

0

Hold

1

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

18388000

Cost Of Revenue

15088000

Gross Profit

-29714000

Operating Expenses

6871000

Operating Income

-6880000

Interest Expense

8124000

Pretax Income

3728000

Net Income

2670000

Eps

0.1572179003001802

Dividends Per Share

-

Shares Outstanding

16982799

Income Tax Expense

1058000

EBITDA

4028000

Total Other Income Expense Net

-

Cash

19373000

Short Term Investments

109508000

Receivables

4210000

Inventories

-

Total Current Assets

133091000

Property Plant Equipment

15493000

Total Assets

1491623000

Payables

-

Short Term Debt

3000000

Long Term Debt

4462000

Total Liabilities

1250594000

Equity

241029000

Depreciation

300000

Change In Working Capital

201000

Cash From Operations

4933000

Capital Expenditures

289000

Cash From Investing

47693000

Cash From Financing

-52654000

Net Change In Cash

-28000

PE

17.3243

PB

0.9512041559314439

ROE

1.1077505196470134

ROA

0.17899965339767487

FCF

4644000

Fcf Percent

0.2525560147922558

Piotroski FScore

4

Health Score

51

Deep Value Investing Score

5.5

Defensive Investing Score

3.5

Dividend Investing Score

3

Economic Moat Investing Score

7.8

Garp Investing Score

2.5

Growth Investing Score

3

Momentum Investing Score

7.5

Net Net Investing Score

2.5

Quality Investing Score

4.5

Value Investing Score

7.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

18388000

Quarters > 0 > income Statement > cost Of Revenue

15088000

Quarters > 0 > income Statement > gross Profit

-29714000

Quarters > 0 > income Statement > operating Expenses

6871000

Quarters > 0 > income Statement > operating Income

-6880000

Quarters > 0 > income Statement > interest Expense

8124000

Quarters > 0 > income Statement > pretax Income

3728000

Quarters > 0 > income Statement > net Income

2670000

Quarters > 0 > income Statement > eps

0.1572179003001802

Quarters > 0 > income Statement > dividends Per Share

-

Quarters > 0 > income Statement > shares Outstanding

16982799

Quarters > 0 > income Statement > income Tax Expense

1058000

Quarters > 0 > income Statement > EBITDA

4028000

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

19373000

Quarters > 0 > balance Sheet > short Term Investments

109508000

Quarters > 0 > balance Sheet > receivables

4210000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

133091000

Quarters > 0 > balance Sheet > property Plant Equipment

15493000

Quarters > 0 > balance Sheet > total Assets

1491623000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

3000000

Quarters > 0 > balance Sheet > long Term Debt

4462000

Quarters > 0 > balance Sheet > total Liabilities

1250594000

Quarters > 0 > balance Sheet > equity

241029000

Quarters > 0 > cash Flow > net Income

2670000

Quarters > 0 > cash Flow > depreciation

300000

Quarters > 0 > cash Flow > change In Working Capital

201000

Quarters > 0 > cash Flow > cash From Operations

4933000

Quarters > 0 > cash Flow > capital Expenditures

289000

Quarters > 0 > cash Flow > cash From Investing

47693000

Quarters > 0 > cash Flow > cash From Financing

-52654000

Quarters > 0 > cash Flow > net Change In Cash

-28000

Quarters > 0 > ratios > PE

0.1572179003001802

Quarters > 0 > ratios > PB

0.9512041559314439

Quarters > 0 > ratios > ROE

1.1077505196470134

Quarters > 0 > ratios > ROA

0.17899965339767487

Quarters > 0 > ratios > FCF

4644000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.2525560147922558

Quarters > 0 > health Score

51

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

23160000

Quarters > 1 > income Statement > cost Of Revenue

7395000

Quarters > 1 > income Statement > gross Profit

15765000

Quarters > 1 > income Statement > operating Expenses

11720000

Quarters > 1 > income Statement > operating Income

4045000

Quarters > 1 > income Statement > interest Expense

7773000

Quarters > 1 > income Statement > pretax Income

4045000

Quarters > 1 > income Statement > net Income

2824000

Quarters > 1 > income Statement > eps

0.16656759512372185

Quarters > 1 > income Statement > dividends Per Share

-

Quarters > 1 > income Statement > shares Outstanding

16954078

Quarters > 1 > income Statement > income Tax Expense

1221000

Quarters > 1 > income Statement > EBITDA

4257000

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

128909000

Quarters > 1 > balance Sheet > short Term Investments

18534000

Quarters > 1 > balance Sheet > receivables

4877000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

133786000

Quarters > 1 > balance Sheet > property Plant Equipment

15615000

Quarters > 1 > balance Sheet > total Assets

1540881000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

25000000

Quarters > 1 > balance Sheet > long Term Debt

9495000

Quarters > 1 > balance Sheet > total Liabilities

1303510000

Quarters > 1 > balance Sheet > equity

237371000

Quarters > 1 > cash Flow > net Income

2824000

Quarters > 1 > cash Flow > depreciation

212000

Quarters > 1 > cash Flow > change In Working Capital

732000

Quarters > 1 > cash Flow > cash From Operations

4469000

Quarters > 1 > cash Flow > capital Expenditures

278000

Quarters > 1 > cash Flow > cash From Investing

19039000

Quarters > 1 > cash Flow > cash From Financing

-19583000

Quarters > 1 > cash Flow > net Change In Cash

3925000

Quarters > 1 > ratios > PE

0.16656759512372185

Quarters > 1 > ratios > PB

0.9642292150262669

Quarters > 1 > ratios > ROE

1.1896988258885879

Quarters > 1 > ratios > ROA

0.1832717776388962

Quarters > 1 > ratios > FCF

4191000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.18095854922279792

Quarters > 1 > health Score

50

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

21642000

Quarters > 2 > income Statement > cost Of Revenue

7693000

Quarters > 2 > income Statement > gross Profit

13949000

Quarters > 2 > income Statement > operating Expenses

11114000

Quarters > 2 > income Statement > operating Income

2835000

Quarters > 2 > income Statement > interest Expense

7705000

Quarters > 2 > income Statement > pretax Income

2835000

Quarters > 2 > income Statement > net Income

2170000

Quarters > 2 > income Statement > eps

0.12821965006907612

Quarters > 2 > income Statement > dividends Per Share

-

Quarters > 2 > income Statement > shares Outstanding

16924083

Quarters > 2 > income Statement > income Tax Expense

665000

Quarters > 2 > income Statement > EBITDA

3051000

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

124984000

Quarters > 2 > balance Sheet > short Term Investments

103540000

Quarters > 2 > balance Sheet > receivables

4968000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

129952000

Quarters > 2 > balance Sheet > property Plant Equipment

13412000

Quarters > 2 > balance Sheet > total Assets

1553956000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

118000000

Quarters > 2 > balance Sheet > long Term Debt

9529000

Quarters > 2 > balance Sheet > total Liabilities

1319921000

Quarters > 2 > balance Sheet > equity

234035000

Quarters > 2 > cash Flow > net Income

2170000

Quarters > 2 > cash Flow > depreciation

216000

Quarters > 2 > cash Flow > change In Working Capital

-933000

Quarters > 2 > cash Flow > cash From Operations

2094000

Quarters > 2 > cash Flow > capital Expenditures

11000

Quarters > 2 > cash Flow > cash From Investing

-4780000

Quarters > 2 > cash Flow > cash From Financing

-41472000

Quarters > 2 > cash Flow > net Change In Cash

-44158000

Quarters > 2 > ratios > PE

0.12821965006907612

Quarters > 2 > ratios > PB

0.976243384536501

Quarters > 2 > ratios > ROE

0.9272117418334865

Quarters > 2 > ratios > ROA

0.1396435935123002

Quarters > 2 > ratios > FCF

2083000

Quarters > 2 > ratios > Piotroski FScore

3

Quarters > 2 > ratios > fcf Percent

0.09624803622585713

Quarters > 2 > health Score

40

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

24198000

Quarters > 3 > income Statement > cost Of Revenue

7911000

Quarters > 3 > income Statement > gross Profit

16287000

Quarters > 3 > income Statement > operating Expenses

9866000

Quarters > 3 > income Statement > operating Income

6421000

Quarters > 3 > income Statement > interest Expense

9478000

Quarters > 3 > income Statement > pretax Income

6421000

Quarters > 3 > income Statement > net Income

4882000

Quarters > 3 > income Statement > eps

0.289488290014848

Quarters > 3 > income Statement > dividends Per Share

-

Quarters > 3 > income Statement > shares Outstanding

16864240

Quarters > 3 > income Statement > income Tax Expense

1539000

Quarters > 3 > income Statement > EBITDA

6656000

Quarters > 3 > income Statement > total Other Income Expense Net

-

Quarters > 3 > balance Sheet > cash

169142000

Quarters > 3 > balance Sheet > short Term Investments

141606000

Quarters > 3 > balance Sheet > receivables

5296000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

174438000

Quarters > 3 > balance Sheet > property Plant Equipment

13617000

Quarters > 3 > balance Sheet > total Assets

1593170000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

35000000

Quarters > 3 > balance Sheet > long Term Debt

9563000

Quarters > 3 > balance Sheet > total Liabilities

1362083000

Quarters > 3 > balance Sheet > equity

231087000

Quarters > 3 > cash Flow > net Income

4882000

Quarters > 3 > cash Flow > depreciation

235000

Quarters > 3 > cash Flow > change In Working Capital

-2000

Quarters > 3 > cash Flow > cash From Operations

4933000

Quarters > 3 > cash Flow > capital Expenditures

33000

Quarters > 3 > cash Flow > cash From Investing

85113000

Quarters > 3 > cash Flow > cash From Financing

-59569000

Quarters > 3 > cash Flow > net Change In Cash

30477000

Quarters > 3 > ratios > PE

0.289488290014848

Quarters > 3 > ratios > PB

0.9852014176478988

Quarters > 3 > ratios > ROE

2.1126242497414394

Quarters > 3 > ratios > ROA

0.30643308623687365

Quarters > 3 > ratios > FCF

4900000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.20249607405570708

Quarters > 3 > health Score

52

Valuation > metrics > PE

17.3243

Valuation > metrics > PB

0.9512041559314439

Valuation > final Score

100

Valuation > verdict

2.4% Undervalued

Profitability > metrics > ROE

1.1077505196470134

Profitability > metrics > ROA

2.006146170665184

Profitability > metrics > Net Margin

0.1452033935175114

Profitability > final Score

30

Profitability > verdict

Weak

Risk > metrics > Debt Equity

5.188562372162686

Risk > metrics > Interest Coverage

-0.8468734613490891

Risk > final Score

3

Risk > verdict

High

Liquidity > metrics > Current Ratio

44.36366666666667

Liquidity > metrics > Quick Ratio

44.36366666666667

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

90

Prev Valuations > 1

90

Prev Valuations > 2

90

Prev Profitabilities > 0

27

Prev Profitabilities > 1

22

Prev Profitabilities > 2

43

Prev Risks > 0

8

Prev Risks > 1

7

Prev Risks > 2

9

Prev Liquidities > 0

100

Prev Liquidities > 1

78

Prev Liquidities > 2

100

Updated At

2026-01-20T22:26:30.788Z