PVBC - NASDAQ
Provident Bancorp, Inc.
$13.50
+0.0000%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.
At a Glance
Live SnapshotProvident Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Provident Bancorp, Inc. Cash Flow Statement
PVBC • NASDAQ
| Provident Bancorp, Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||
7.3M | 11M | -21.5M | 16.1M | 12M | 10.8M | 9.3M | 7.9M | 6.3M | 3.8M | 4.6M | 4M | |
1.1M | 1.1M | 1.1M | 1M | 1.1M | 1.4M | 914K | 811K | 832K | 713K | 767K | 646K | |
691K | 1.9M | -6M | -578K | -2.2M | -1M | -1.2M | 1.3M | -394K | -966K | -893K | 664K | |
2.1M | 2.1M | 3.1M | 4M | 1.9M | 2.1M | 1.5M | 1.4M | 472K | 301K | 448K | 0.0 | |
-273K | -1.9M | 55.2M | 2.8M | 5M | 4.5M | 3.6M | -2.2M | 922K | 3.2M | 1.9M | 0.0 | |
(334K) | (163K) | (5.2M) | (8.4M) | (6.3M) | (5M) | (3.6M) | (6.7M) | (3.1M) | (2.2M) | (1.6M) | (1.3M) | |
1M | -8.6M | -10.1M | 995K | 405K | -237K | 2.6M | 245K | 437K | -298K | 1.3M | -3.1M | |
11.9M | 5.6M | 21.9M | 24.3M | 18.2M | 17.5M | 16.8M | 9.5M | 8.6M | 6.8M | 7.6M | 2.5M | |
INVESTING ACTIVITIES | ||||||||||||
-370K | -339K | -262K | -412K | -911K | -6.2M | -2.4M | -3.4M | -873K | -1.8M | -576K | -536K | |
(0.0) | -1.8M | (0.0) | -13.6M | (0.0) | -13.7M | (0.0) | -13.1M | -9.8M | -17.8M | -13.5M | -25.2M | |
2.6M | 2.6M | 4.3M | 8.3M | 10.1M | 24.2M | 8.6M | 71.3M | 18.9M | 12.1M | 28.3M | 38.1M | |
17.2M | 104.3M | -26.4M | -150M | -369.7M | -120.9M | -101.1M | -125.7M | -69.7M | -67.4M | -54.2M | -71.3M | |
(19.4M) | (104.7M) | -22.3M | -155.7M | -360.5M | -116.6M | -94.8M | -71M | -61.5M | -75M | -39.9M | -59M | |
FINANCING ACTIVITIES | ||||||||||||
-56K | -74K | -3M | -19M | -8M | 91.4M | -215K | -594K | 0.0 | 41.2M | 0.0 | 0.0 | |
-60.1M | -22.1M | 113.3M | 0.0 | -11.5M | -43M | 41.2M | -23M | -7.6M | 18.2M | -1.8M | -8.5M | |
(0.0) | (0.0) | -2M | -2.6M | -1.6M | (0.0) | (0.0) | (0.0) | (0.0) | -167K | -172K | -172K | |
-56K | -74K | -3M | -19M | -8M | -193K | -215K | -594K | (0.0) | (0.0) | (0.0) | (0.0) | |
-22.3M | 51.6M | -180.4M | 222.2M | 387.5M | 81.8M | 18M | 122.1M | 50.7M | 37M | 28.4M | 57.1M | |
-82.5M | 29.4M | -72.1M | 200.7M | 366.4M | 130.2M | 59M | 98.5M | 43.2M | 79.1M | 26.5M | 48.5M | |
CASH FLOW SUMMARY | ||||||||||||
-51.2M | 139.7M | -72.5M | 69.3M | 24.2M | 31M | -19.1M | 37M | -9.8M | 10.9M | -5.8M | -8M | |
220.3M | 80.6M | 153.1M | 83.8M | 59.7M | 28.6M | 47.7M | 10.7M | 20.5M | 9.6M | 15.4M | 23.3M | |
169.1M | 220.3M | 80.6M | 153.1M | 83.8M | 59.7M | 28.6M | 47.7M | 10.7M | 20.5M | 9.6M | 15.4M | |
11.5M | 5.2M | 21.6M | 23.9M | 17.3M | 11.3M | 14.4M | 6.1M | 7.7M | 5M | 7.1M | 2M |
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 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 23, 2025 | October 23, 2025 | 2025 | |
8-K 8-K 2025 N/A | September 17, 2025 | September 16, 2025 | 2025 | |
8-K 8-K 2025 N/A | September 05, 2025 | September 05, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 14, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 24, 2025 | July 24, 2025 | 2025 | |
8-K 8-K 2025 N/A | June 05, 2025 | June 05, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 20, 2025 | May 15, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 14, 2025 | May 14, 2025 | 2025 |
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