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Financial Services - Banks - Regional - NASDAQ - US
$ 12.74
0.632 %
$ 224 M
Market Cap
49.0
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PVBC stock under the worst case scenario is HIDDEN Compared to the current market price of 12.7 USD, Provident Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PVBC stock under the base case scenario is HIDDEN Compared to the current market price of 12.7 USD, Provident Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PVBC stock under the best case scenario is HIDDEN Compared to the current market price of 12.7 USD, Provident Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PVBC

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$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
94.2 M REVENUE
-2.04%
9.38 M OPERATING INCOME
-36.52%
7.27 M NET INCOME
-33.62%
11.9 M OPERATING CASH FLOW
114.27%
19.4 M INVESTING CASH FLOW
-81.50%
-82.5 M FINANCING CASH FLOW
-280.29%
21.6 M REVENUE
-10.56%
2.84 M OPERATING INCOME
-55.85%
2.17 M NET INCOME
-55.55%
2.09 M OPERATING CASH FLOW
-57.55%
-4.78 M INVESTING CASH FLOW
-5.62%
-41.5 M FINANCING CASH FLOW
30.38%
Balance Sheet Provident Bancorp, Inc.
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Current Assets 174 M
Cash & Short-Term Investments 169 M
Receivables 5.3 M
Other Current Assets 0
Non-Current Assets 1.42 B
Long-Term Investments 1.33 B
PP&E 13.6 M
Other Non-Current Assets 73.9 M
10.62 %83.56 %4.64 %Total Assets$1.6b
Current Liabilities 1.34 B
Accounts Payable 0
Short-Term Debt 35 M
Other Current Liabilities 1.31 B
Non-Current Liabilities 18.1 M
Long-Term Debt 13.4 M
Other Non-Current Liabilities 4.7 M
96.10 %Total Liabilities$1.4b
EFFICIENCY
Earnings Waterfall Provident Bancorp, Inc.
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Revenue 94.2 M
Cost Of Revenue 40 M
Gross Profit 54.3 M
Operating Expenses 44.9 M
Operating Income 9.38 M
Other Expenses 2.11 M
Net Income 7.27 M
100m100m90m90m80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0094m(40m)54m(45m)9m(2m)7mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
57.59% GROSS MARGIN
57.59%
9.95% OPERATING MARGIN
9.95%
7.72% NET MARGIN
7.72%
3.15% ROE
3.15%
0.46% ROA
0.46%
2.56% ROIC
2.56%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Provident Bancorp, Inc.
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25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 7.27 M
Depreciation & Amortization 1.07 M
Capital Expenditures -370 K
Stock-Based Compensation 2.11 M
Change in Working Capital 1.02 M
Others -45 K
Free Cash Flow 11.5 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Provident Bancorp, Inc.
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PVBC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.04 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.180.180.160.160.140.140.120.120.100.100.080.080.060.060.040.040.020.020.000.000.030.040.030.040.040.030.040.040.030.120.040.160.08202020202021202120222022
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Provident Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
115 K USD 1
6-9 MONTHS
20.1 K USD 1
9-12 MONTHS
7. News
SHAREHOLDER INVESTIGATION: Halper Sadeh LLC Investigates PVBC, KNW, HLGN on Behalf of Shareholders NEW YORK, June 10, 2025 (GLOBE NEWSWIRE) -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws and/or breaches of fiduciary duties to shareholders relating to: globenewswire.com - 4 weeks ago
PROVIDENT BANCORP INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Provident Bancorp, Inc. - PVBC NEW YORK & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Provident Bancorp, Inc. (NasdaqCM: PVBC) to NB Bancorp, Inc. (NasdaqCM: NBBK). Under the terms of the proposed transaction, shareholders of Provident can elect to receive either: (i) 0.691 shares of NB Bancorp common stock or (ii) $13.00 in cash, for each share of Provident that they own. KSF is see. businesswire.com - 4 weeks ago
PVBC STOCK ALERT: Halper Sadeh LLC is Investigating Whether the Sale of Provident Bancorp, Inc. is Fair to Shareholders NEW YORK, June 06, 2025 (GLOBE NEWSWIRE) -- Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Provident Bancorp, Inc. (NASDAQ: PVBC) to NB Bancorp, Inc. is fair to Provident shareholders. Under the terms of the proposed transaction, Provident shareholders will receive for each share of Provident common stock, at the holder's election, either (i) 0.691 shares of NB Bancorp common stock or (ii) $13.00 in cash. globenewswire.com - 1 month ago
SHAREHOLDER NOTICE: Brodsky & Smith Announces an Investigation of Provident Bancorp, Inc. (Nasdaq - PVBC) BALA CYNWYD, Pa., June 06, 2025 (GLOBE NEWSWIRE) -- Law office of Brodsky & Smith announces that it is investigating potential claims against the Board of Directors of Provident Bancorp, Inc. (“Provident” or the “Company”) (Nasdaq - PVBC) for possible breaches of fiduciary duty and other violations of federal and state law in connection with the sale of the Company to NB Bancorp, Inc. (“Needham”) (Nasdaq – NBBK). Under the terms of the stock and cash transaction, stockholders of Provident will receive for each share of Provident common stock, at the holder's election, either (i) 0.691 shares of Needham common stock or (ii) $13.00 in cash subject to allocation procedures. globenewswire.com - 1 month ago
PVBC Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Provident Bancorp, Inc. Is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Provident Bancorp, Inc. (NASDAQ: PVBC) to NB Bancorp, Inc. is fair to Provident shareholders. Under the terms of the proposed transaction, Provident shareholders will receive for each share of Provident common stock, at the holder's election, either (i) 0.691 shares of NB Bancorp common stock or (ii) $13.00 in cash. Halper Sadeh encourages Provident shareholders to click here to learn. businesswire.com - 1 month ago
NB Bancorp, Inc. and Provident Bancorp, Inc. Enter Into Definitive Merger Agreement Key Highlights: Merger expands Needham Bank's branch footprint into the North Shore of Massachusetts and New Hampshire The merger is expected to be approximately 19% accretive to NB Bancorp, Inc.'s earnings per share in 2026, the first full year of combined operations, assuming full phase-in of cost savings Needham Bank will remain well capitalized with high levels of liquidity after the merger NEEDHAM, Mass. and AMESBURY, Mass. prnewswire.com - 1 month ago
Provident Bancorp, Inc. Reports Results for the March 31, 2025 Quarter AMESBURY, Mass. , April 25, 2025 /PRNewswire/ -- Provident Bancorp, Inc. (the "Company") (NasdaqCM: PVBC), the holding company for BankProv (the "Bank"), reported net income for the quarter ended March 31, 2025 of $2.2 million, or $0.13 per diluted share, compared to $4.9 million, or $0.29 per diluted share, for the quarter ended December 31, 2024, and $5.0 million, or $0.30 per diluted share, for the quarter ended March 31, 2024. prnewswire.com - 2 months ago
What Makes Provident Bancorp (PVBC) a New Strong Buy Stock Provident Bancorp (PVBC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 4 months ago
Provident Bancorp, Inc. Reports Fourth Quarter Net Income of $4.9 Million AMESBURY, Mass. , Jan. 23, 2025 /PRNewswire/ -- Provident Bancorp, Inc. (the "Company") (NasdaqCM: PVBC), the holding company for BankProv (the "Bank"), reported net income for the quarter ended December 31, 2024 of $4.9 million, or $0.29 per diluted share, compared to net income of $716,000, or $0.04 per diluted share, for the quarter ended September 30, 2024, and net income of $2.9 million, or $0.18 per diluted share, for the quarter ended December 31, 2023. prnewswire.com - 5 months ago
Provident Bancorp, Inc. Adopts Stock Repurchase Program AMESBURY, Mass. , Dec. 2, 2024 /PRNewswire/ -- Provident Bancorp, Inc. (the "Company") (Nasdaq:PVBC), the holding company for BankProv (the "Bank"), today announced that its Board of Directors has adopted a new stock repurchase program. prnewswire.com - 7 months ago
Provident Bancorp, Inc. Reports Results for the September 30, 2024 Quarter AMESBURY, Mass. , Oct. 24, 2024 /PRNewswire/ -- Provident Bancorp, Inc. (the "Company") (NasdaqCM: PVBC), the holding company for BankProv (the "Bank"), reported net income for the quarter ended September 30, 2024 of $716,000, or $0.04 per diluted share, compared to a net loss of $3.3 million, or $0.20 per diluted share, for the quarter ended June 30, 2024, and net income of $2.5 million, or $0.15 per diluted share, for the quarter ended September 30, 2023. prnewswire.com - 8 months ago
BankProv's Joel Gianninoto Named New Hampshire Banker of the Year by Bay Colony AMESBURY, Mass. , Aug. 14, 2024 /PRNewswire/ -- BankProv—widely recognized in the commercial banking sector for its devotion to empowering local businesses and its expertise in delivering innovative banking services—is proud to announce that Joel Gianninoto, Vice President, Team Leader Business Banking, has been honored as New Hampshire Banker of the Year by Bay Colony Development Corp. This prestigious recognition celebrates Joel's outstanding contributions to the banking industry and his dedication to fostering business growth in New Hampshire. prnewswire.com - 10 months ago
8. Profile Summary

Provident Bancorp, Inc. PVBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 224 M
Dividend Yield 0.00%
Description 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.
Contact 5 Market Street, Amesbury, MA, 01913 https://www.bankprov.com
IPO Date July 16, 2015
Employees 177
Officers Mr. Joseph Mancini Executive Vice President & Chief Operating Officer Mr. Kenneth R. Fisher Executive Vice President & Chief Financial Officer Ms. Anne Lapointe Executive Vice President & Chief of Staff of Provident Bank Ms. Kimberly Scholtz Corporate Secretary Mr. Joseph B. Reilly President, Chief Executive Officer & Director Mr. Kevin Barton Senior Vice President of Provident Bank Kathleen Barrett Vice President & Director of Marketing Ms. Janine Jakubauskas Executive Vice President & Chief Risk Officer of BankProv Mr. Joseph Kenney Executive Vice President & CLO of The Provident Bank Ms. Jean Jinsun Kim Senior Vice President of Sponsor Finance