PVBC - NASDAQ

Provident Bancorp, Inc.

PVBC·NASDAQ

$13.50

+0.0000%

Financial ServicesBanks - Regional

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. 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$240.07M

EPS0.4300

P/E Ratio26.23

Earnings Date01/22/2026

1.59B

Assets

-5%

3Y-8.0%

5Y+42.0%

10Y+114.0%

1.36B

Total Liabilities

-6%

3Y-9.0%

5Y+53.0%

10Y+112.0%

231.09M

Total Equity

3Y-1.0%

5Y-

10Y+128.0%

Provident Bancorp, Inc. Funding & Solvency Profile

PVBC · NASDAQ

Current Assets

Cash & Cash Equivalents169.14M

Net Receivables5.30M

Inventory0.00

Other Current Assets0.00

Total Current Assets174 M

Non-Current Assets

Property, Plant & Equipment13.62M

Goodwill & Intangible Assets0.00

Long-Term Investments1.33B

Other Non-Current Assets60.03M

Total Non-Current Assets1 B

Total Assets

1.59B

Financial Health Analysis

Current Ratio

0.13x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.89x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1169522000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

11% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Provident Bancorp, Inc. Balance Sheet

PVBC • NASDAQ

Provident Bancorp, Inc. Balance Sheet	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	169.1M	220.3M	80.6M	153.1M	83.8M	59.7M	28.6M	47.7M	10.7M	20.5M	9.6M	15.4M
Short-Term Investments	141.6M	28.6M	28.6M	36.8M	32.2M	41.8M	51.4M	61.4M	117.9M	81M	76.1M	87.6M
Cash & Short-Term Investments	169.1M	248.9M	109.2M	190M	116M	101.4M	80M	109.1M	128.6M	101.4M	85.7M	103M
Net Receivables	5.3M	6.1M	6.6M	5.7M	6.4M	2.9M	2.6M	2.3M	2.3M	2.3M	2.1M	2M
Accounts Receivables	5.3M	6.1M	6.6M	5.7M	6.4M	2.9M	2.6M	2.3M	2.3M	2.3M	2.1M	2M
Total Current Assets	174.4M	255M	115.8M	195.7M	122.4M	104.3M	82.7M	111.5M	130.9M	103.7M	87.7M	105M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	13.6M	16.8M	17.5M	18.4M	19M	18.4M	16.1M	11M	11.6M	11.6M	10.5M	10.7M
Intangible Assets	0.0	6.1M	0.0	5.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	0.0	1.2B	0.0	44.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	1.3B	1.3B	1.4B	1.5B	1.3B	959.3M	835.5M	745.4M	624.4M	599.6M	539.7M	486.4M
Tax Assets	13.9M	14.5M	16.8M	10.3M	0.0	7.2M	6.4M	4.9M	4.9M	5.1M	3.6M	3.8M
Other Non-Current Assets	60M	-1.1B	70.2M	3.4M	49.6M	32.5M	33.4M	29.5M	23.7M	23.5M	17.1M	18.8M
Total Non-Current Assets	1.4B	1.4B	1.5B	1.5B	1.4B	1B	891.4M	790.8M	664.7M	639.7M	571M	519.7M
Total Assets	1.6B	1.7B	1.6B	1.7B	1.5B	1.1B	974.1M	902.3M	795.5M	743.4M	658.6M	624.7M
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	35M	95M	108.5M	261K	258K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.3B	1.3B	1.3B	1.5B	1.2B	849.9M	768.1M	750.1M	628M	577.2M	536.7M	508.6M
Total Current Liabilities	1.3B	1.4B	1.4B	1.5B	1.2B	849.9M	768.1M	750.1M	628M	577.2M	536.7M	508.6M
NON-CURRENT LIABILITIES
Long Term Debt	9.6M	9.7M	18.3M	13.5M	13.5M	25M	68M	26.8M	49.9M	57.4M	39.2M	41M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	68K	0.0	0.0	0.0	74K	285K	1.8M	0.0	0.0	0.0
Other Non-Current Liabilities	4.7M	8.3M	18.1M	17.7M	14.5M	12.1M	12.4M	9.6M	8.6M	7.3M	6.9M	5.3M
Total Non-Current Liabilities	18.1M	22.2M	40.8M	35.6M	32.5M	41M	80.4M	36.4M	58.4M	64.8M	46.1M	46.3M
Capital Lease Obligations	3.9M	4.2M	4.3M	4.4M	4.5M	3.9M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.4B	1.4B	1.4B	1.5B	1.3B	890.9M	848.5M	786.5M	686.4M	642M	582.8M	554.8M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	-788K	-594K	0.0	0.0	0.0	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	17.1M	17.1M
Common Stock	178K	177K	177K	179K	191K	195K	0.0	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	125.4M	124.1M	122.8M	123.5M	139.5M	146.2M	45.9M	44.6M	43.4M	43.2M	275K	275K
Retained Earnings	113.6M	106.3M	94.6M	118.1M	104.5M	94.2M	83.4M	74.1M	66.2M	59.9M	56M	51.6M
Accumulated Other Comprehensive Income/Loss	-1.6M	-1.5M	-2.2M	649K	1.1M	458K	-255K	589K	2.6M	1.7M	2.4M	838K
Other Total Stockholders' Equity	-6.5M	-7.2M	-7.9M	-8.6M	-9.4M	-10.1M	-2.6M	-2.9M	-3.1M	-3.3M	0.0	0.0
Total Stockholders' Equity	231.1M	221.9M	207.5M	233.8M	235.9M	230.9M	125.6M	115.8M	109.1M	101.4M	75.8M	69.8M
Total Equity	231.1M	221.9M	207.5M	233.8M	235.9M	230.9M	125.6M	115.8M	109.1M	101.4M	75.8M	69.8M
SUMMARY
Total Liabilities & Equity	1.6B	1.7B	1.6B	1.7B	1.5B	1.1B	974.1M	902.3M	795.5M	743.4M	658.6M	624.7M
Total Investments	1.3B	1.3B	1.4B	1.5B	1.3B	1B	886.9M	806.9M	742.3M	680.5M	615.8M	574.1M
Total Debt	48.4M	108.9M	131.1M	17.9M	18M	28.9M	68M	26.8M	49.9M	57.4M	39.2M	41M
Net Debt	-120.7M	-111.5M	50.5M	-135.2M	-65.8M	-30.8M	39.4M	-20.8M	39.2M	37M	29.7M	25.6M
Shares Outstanding	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000	17,784,000

SEC Filings

PVBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2025 N/A	November 17, 2025	November 15, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 23, 2025	2025	View Filing
8-K 8-K 2025 N/A	September 17, 2025	September 16, 2025	2025	View Filing
8-K 8-K 2025 N/A	September 05, 2025	September 05, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 14, 2025	June 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	July 24, 2025	July 24, 2025	2025	View Filing
8-K 8-K 2025 N/A	June 05, 2025	June 05, 2025	2025	View Filing
8-K 8-K 2025 N/A	May 20, 2025	May 15, 2025	2025	View Filing
8-K 8-K 2025 N/A	May 14, 2025	May 14, 2025	2025	View Filing

Showing 1 to 10 of 120 filings

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