Provident Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Provident Bancorp
PVBC Stock  USD 11.47  0.07  0.61%   
Provident Bancorp financial statements provide useful quarterly and yearly information to potential Provident Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Provident Bancorp financial statements helps investors assess Provident Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Provident Bancorp's valuation are summarized below:
Gross Profit
55.4 M
Profit Margin
0.1313
Market Capitalization
202.8 M
Enterprise Value Revenue
4.5449
Revenue
55.4 M
We have found one hundred twenty available trending fundamental ratios for Provident Bancorp, which can be analyzed and compared to other ratios and to its competitors. Investors should ensure to check out all of Provident Bancorp's recent performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. As of March 19, 2025, Market Cap is expected to decline to about 112.3 M. In addition to that, Enterprise Value is expected to decline to about 47.6 M

Provident Bancorp Total Revenue

50.92 Million

Check Provident Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Provident Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 953.9 K, Interest Expense of 38.8 M or Selling General Administrative of 23.3 M, as well as many indicators such as Price To Sales Ratio of 2.52, Dividend Yield of 0.0157 or PTB Ratio of 0.74. Provident financial statements analysis is a perfect complement when working with Provident Bancorp Valuation or Volatility modules.
  
Check out the analysis of Provident Bancorp Correlation against competitors.
For information on how to trade Provident Stock refer to our How to Trade Provident Stock guide.

Provident Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.2 B1.9 B1.1 B
Slightly volatile
Short and Long Term Debt Total131.5 M125.2 M62.6 M
Slightly volatile
Total Stockholder Equity172.8 M255.2 M147.8 M
Slightly volatile
Other Liabilities12.3 M20.9 M11.2 M
Slightly volatile
Property Plant And Equipment Net16.2 M19.3 M14.3 M
Slightly volatile
Retained Earnings90.9 M122.2 M79.8 M
Slightly volatile
Accounts Payable945.5 M1.5 B863.6 M
Slightly volatile
Cash266.1 M253.4 M81 M
Slightly volatile
Non Current Assets Total1.7 B1.7 B385.5 M
Slightly volatile
Long Term Debt8.3 M8.7 M21.1 M
Pretty Stable
Cash And Short Term Investments134.5 M253.4 M127.6 M
Slightly volatile
Net Receivables4.1 M7 M3.6 M
Slightly volatile
Common Stock Shares Outstanding15.2 M19.1 M13.4 M
Slightly volatile
Short Term Investments46.8 M25.7 M61.2 M
Slightly volatile
Liabilities And Stockholders Equity1.2 B1.9 B1.1 B
Slightly volatile
Non Current Liabilities Total1.6 B1.6 B395.9 M
Slightly volatile
Other Stockholder Equity80.2 M142.7 M64.1 M
Slightly volatile
Total Liabilities1.7 B1.7 B757.6 M
Slightly volatile
Property Plant And Equipment Gross17.4 M33.5 M16.1 M
Slightly volatile
Total Current Assets280.2 M260.4 M228.6 M
Slightly volatile
Property Plant Equipment15.9 M20.2 M14.4 M
Slightly volatile
Total Current Liabilities710.2 M1.4 B672.9 M
Slightly volatile
Net Tangible Assets173.4 M238.7 M142.1 M
Slightly volatile
Other Current Assets273.4 M260.4 M77.9 M
Slightly volatile
Long Term Investments24.4 M25.7 M75.2 M
Slightly volatile
Short Term Debt115.2 M109.7 M42 M
Slightly volatile
Capital Surpluse176.5 M168.1 M91.8 M
Slightly volatile
Earning Assets103.3 M106 M133.2 M
Slightly volatile
Non Current Liabilities Other11.2 M14.2 M10.6 M
Slightly volatile
Net Invested Capital275 M375.6 M212.4 M
Slightly volatile
Long Term Debt Total54.4 M61.2 M66.7 M
Slightly volatile
Capital Lease Obligations4.7 M4.8 M4.1 M
Slightly volatile

Provident Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization953.9 K1.3 M855.6 K
Slightly volatile
Interest Expense38.8 M36.9 M9.8 M
Slightly volatile
Selling General Administrative23.3 M40.6 M20.8 M
Slightly volatile
Selling And Marketing Expenses772.8 K736 K336.5 K
Slightly volatile
Total Revenue50.9 M75.8 M44.3 M
Slightly volatile
Gross Profit50.7 M73.7 M44 M
Slightly volatile
Other Operating Expenses77.4 M73.7 M31.5 M
Slightly volatile
Cost Of Revenue2 M2.1 M3.4 M
Slightly volatile
Net Interest Income50.9 M72.9 M41 M
Slightly volatile
Interest Income58.2 M100.9 M47.7 M
Slightly volatile
Reconciled Depreciation1.2 M1.3 M981.8 K
Slightly volatile

Provident Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.8 M2.4 M1.5 M
Slightly volatile
Free Cash Flow5.7 M6 M8.7 M
Slightly volatile
Begin Period Cash Flow53.3 M92.7 M46.8 M
Slightly volatile
Depreciation1 M1.1 M877.7 K
Slightly volatile
Capital Expenditures289.8 K305.1 K1.3 M
Very volatile
Total Cash From Operating Activities6.1 M6.4 M10 M
Slightly volatile
End Period Cash Flow266.1 M253.4 M81 M
Slightly volatile
Change To Netincome7.4 M7.1 M3.5 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.522.282.932
Pretty Stable
Dividend Yield0.01570.01490.0079
Slightly volatile
PTB Ratio0.740.680.8866
Very volatile
Days Sales Outstanding24.5530.3529.693
Pretty Stable
Book Value Per Share23.912.0324.168
Slightly volatile
Free Cash Flow Yield0.02670.02810.0639
Pretty Stable
Operating Cash Flow Per Share0.290.30.697
Slightly volatile
Stock Based Compensation To Revenue0.02490.02860.0282
Slightly volatile
Capex To Depreciation0.260.271.3722
Pretty Stable
PB Ratio0.740.680.8866
Very volatile
EV To Sales0.920.972.9788
Slightly volatile
Free Cash Flow Per Share0.270.280.5983
Slightly volatile
Sales General And Administrative To Revenue0.370.480.4596
Slightly volatile
Capex To Revenue0.00560.00590.0325
Pretty Stable
Cash Per Share10.6217.2510.4065
Very volatile
POCF Ratio28.4527.0917.2304
Very volatile
Capex To Operating Cash Flow0.06670.07020.1524
Slightly volatile
PFCF Ratio30.328.8520.5941
Pretty Stable
EV To Operating Cash Flow14.3311.5317.014
Slightly volatile
EV To Free Cash Flow17.612.2821.0628
Slightly volatile
Intangibles To Total Assets0.02840.02990.0893
Slightly volatile
Current Ratio0.160.172.7601
Pretty Stable
Receivables Turnover13.1112.4512.2504
Very volatile
Graham Number9.9412.6811.6322
Slightly volatile
Shareholders Equity Per Share8.9812.0310.4037
Slightly volatile
Debt To Equity0.430.560.4408
Slightly volatile
Capex Per Share0.02230.02350.0991
Pretty Stable
Revenue Per Share2.693.573.1771
Slightly volatile
Interest Debt Per Share8.037.654.9539
Slightly volatile
Debt To Assets0.05580.0750.0554
Pretty Stable
Short Term Coverage Ratios0.06360.06690.4697
Slightly volatile
Operating Cycle24.5530.3529.693
Pretty Stable
Price Book Value Ratio0.740.680.8866
Very volatile
Price To Operating Cash Flows Ratio28.4527.0917.2304
Very volatile
Price To Free Cash Flows Ratio30.328.8520.5941
Pretty Stable
Ebt Per Ebit0.641.070.8802
Slightly volatile
Effective Tax Rate0.320.30.2883
Very volatile
Company Equity Multiplier8.188.667.8458
Slightly volatile
Long Term Debt To Capitalization0.04510.04750.216
Slightly volatile
Total Debt To Capitalization0.290.380.2922
Slightly volatile
Debt Equity Ratio0.430.560.4408
Slightly volatile
Quick Ratio0.210.223.0482
Very volatile
Dividend Paid And Capex Coverage Ratio15.4814.747.617
Slightly volatile
Net Income Per E B T0.570.670.7029
Pretty Stable
Cash Ratio0.20.211.0774
Pretty Stable
Cash Conversion Cycle24.5530.3529.693
Pretty Stable
Operating Cash Flow Sales Ratio0.0720.07580.2147
Very volatile
Days Of Sales Outstanding24.5530.3529.693
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.680.850.8268
Pretty Stable
Cash Flow Coverage Ratios0.04360.04590.2884
Pretty Stable
Price To Book Ratio0.740.680.8866
Very volatile
Fixed Asset Turnover2.463.542.9121
Slightly volatile
Capital Expenditure Coverage Ratio16.2214.7416.753
Slightly volatile
Price Cash Flow Ratio28.4527.0917.2304
Very volatile
Debt Ratio0.05580.0750.0554
Pretty Stable
Cash Flow To Debt Ratio0.04360.04590.2884
Pretty Stable
Price Sales Ratio2.522.282.932
Pretty Stable
Asset Turnover0.03260.03550.0396
Very volatile
Gross Profit Margin0.780.870.9538
Slightly volatile
Price Fair Value0.740.680.8866
Very volatile

Provident Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap112.3 M150.4 M135 M
Slightly volatile
Enterprise Value47.6 M50.1 M116.2 M
Very volatile

Provident Fundamental Market Drivers

Forward Price Earnings19.7239
Cash And Short Term Investments220.3 M

Provident Upcoming Events

6th of May 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Provident Bancorp Financial Statements

Provident Bancorp stakeholders use historical fundamental indicators, such as Provident Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although Provident Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in Provident Bancorp's assets and liabilities are reflected in the revenues and expenses on Provident Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Provident Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue75.8 M50.9 M
Cost Of Revenue2.1 M2 M
Stock Based Compensation To Revenue 0.03  0.02 
Sales General And Administrative To Revenue 0.48  0.37 
Capex To Revenue 0.01  0.01 
Revenue Per Share 3.57  2.69 
Ebit Per Revenue(0.33)(0.31)

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When determining whether Provident Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Provident Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Provident Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Provident Bancorp Stock:
How To Invest In Provident
Details
Is Provident Stock a good investment?
Details
What is Provident Bancorp's Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
Check out the analysis of Provident Bancorp Correlation against competitors.
For information on how to trade Provident Stock refer to our How to Trade Provident Stock guide.
You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Provident Bancorp. If investors know Provident will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Provident Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.65
Earnings Share
0.43
Revenue Per Share
3.312
Quarterly Revenue Growth
(0.04)
Return On Assets
0.0045
The market value of Provident Bancorp is measured differently than its book value, which is the value of Provident that is recorded on the company's balance sheet. Investors also form their own opinion of Provident Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Provident Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Provident Bancorp's market value can be influenced by many factors that don't directly affect Provident Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
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Earnings
Projections
Details
Please note, there is a significant difference between Provident Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Provident Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Provident Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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