Provident Historical Financial Ratios

PVBC Stock

USD 11.89 0.14 1.19%

Provident Bancorp is promptly reporting on over 107 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Book Value Per Share of 23.9, Free Cash Flow Yield of 0.0297, Invested Capital of 0.0 or Operating Cash Flow Per Share of 0.32 will help investors to properly organize and evaluate Provident Bancorp financial condition quickly.

Quick Ratio Current Ratio

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Provident Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For information on how to trade Provident Stock refer to our How to Trade Provident Stock guide.

About Provident Financial Ratios Analysis

Provident BancorpFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Provident Bancorp investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Provident financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Provident Bancorp history.

Provident Bancorp Financial Ratios Chart

At present, Provident Bancorp's Book Value Per Share is projected to increase significantly based on the last few years of reporting. The current year's Free Cash Flow Per Share is expected to grow to 0.61, whereas Price To Sales Ratio is forecasted to decline to 2.52.

Price To Sales Ratio Ptb Ratio Days Sales Outstanding Intangibles To Total Assets

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing Provident Bancorp stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Provident Bancorp sales, a figure that is much harder to manipulate than other Provident Bancorp multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Intangibles To Total Assets

The ratio of a company's intangible assets (like goodwill and patents) to its total assets.

Most ratios from Provident Bancorp's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Provident Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Provident Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For information on how to trade Provident Stock refer to our How to Trade Provident Stock guide.At present, Provident Bancorp's Book Value Per Share is projected to increase significantly based on the last few years of reporting. The current year's Free Cash Flow Per Share is expected to grow to 0.61, whereas Price To Sales Ratio is forecasted to decline to 2.52.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.008206	0.0166	0.0149	0.0157
Price To Sales Ratio	4.68	1.48	2.61	2.52

Dividend Yield Price To Sales Ratio

Provident Bancorp fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.05	0.84	-0.01	0.65	-0.19	0.4	0.47	0.84	0.4	0.31	0.44	0.53	0.43	-0.45	-0.17	0.4	0.68	0.08	-0.16	0.64	0.48	-0.3	0.72	0.61	-0.28
Dividend Yield	-0.05		-0.13	-0.06	0.15	0.27	0.28	-0.2	-0.13	-0.66	0.45	-0.84	-0.37	-0.26	-0.02	0.1	-0.81	-0.54	-0.52	-0.06	-0.5	-0.53	-0.61	-0.4	-0.43	-0.62
Ptb Ratio	0.84	-0.13		-0.03	0.34	-0.2	0.29	0.38	1.0	0.48	0.22	0.53	0.43	0.22	-0.38	-0.1	0.47	0.62	0.04	-0.08	0.48	0.49	-0.09	0.59	0.52	-0.09
Days Sales Outstanding	-0.01	-0.06	-0.03		-0.08	0.05	0.02	0.01	-0.03	0.01	-0.13	-0.01	0.06	0.02	0.28	-0.08	-0.01	-0.03	0.01	-0.08	0.05	0.01	-0.11	-0.03	-0.01	-0.13
Book Value Per Share	0.65	0.15	0.34	-0.08		0.05	0.56	0.0	0.34	-0.16	0.59	0.14	0.31	0.04	-0.24	-0.21	0.21	0.44	-0.25	-0.27	0.32	0.11	-0.47	0.34	0.24	-0.46
Free Cash Flow Yield	-0.19	0.27	-0.2	0.05	0.05		0.72	-0.11	-0.2	0.06	0.75	-0.15	-0.66	-0.13	-0.36	-0.81	-0.09	-0.05	-0.44	-0.88	-0.18	-0.71	-0.55	-0.69	-0.66	-0.58
Operating Cash Flow Per Share	0.4	0.28	0.29	0.02	0.56	0.72		0.27	0.29	0.08	0.93	0.13	-0.15	0.21	-0.38	-0.83	0.22	0.44	-0.23	-0.86	0.2	-0.33	-0.77	-0.2	-0.19	-0.76
Capex To Depreciation	0.47	-0.2	0.38	0.01	0.0	-0.11	0.27		0.38	0.46	-0.04	0.41	0.26	0.96	-0.36	-0.36	0.36	0.55	0.77	-0.18	0.52	0.25	-0.2	0.39	0.37	-0.1
Pb Ratio	0.84	-0.13	1.0	-0.03	0.34	-0.2	0.29	0.38		0.48	0.22	0.53	0.43	0.22	-0.38	-0.1	0.47	0.62	0.04	-0.08	0.48	0.49	-0.09	0.59	0.52	-0.09
Ev To Sales	0.4	-0.66	0.48	0.01	-0.16	0.06	0.08	0.46	0.48		-0.1	0.76	0.11	0.45	-0.45	-0.41	0.67	0.65	0.37	-0.28	0.5	0.3	0.3	0.32	0.3	0.3
Free Cash Flow Per Share	0.31	0.45	0.22	-0.13	0.59	0.75	0.93	-0.04	0.22	-0.1		-0.07	-0.24	-0.1	-0.34	-0.69	0.03	0.23	-0.54	-0.79	0.05	-0.41	-0.77	-0.29	-0.29	-0.8
Roic	0.44	-0.84	0.53	-0.01	0.14	-0.15	0.13	0.41	0.53	0.76	-0.07		0.49	0.38	-0.16	-0.34	0.98	0.89	0.45	-0.19	0.66	0.59	0.3	0.51	0.57	0.32
Net Income Per Share	0.53	-0.37	0.43	0.06	0.31	-0.66	-0.15	0.26	0.43	0.11	-0.24	0.49		0.24	0.35	0.25	0.52	0.54	0.27	0.27	0.76	0.95	0.02	0.89	0.97	0.04
Capex To Revenue	0.43	-0.26	0.22	0.02	0.04	-0.13	0.21	0.96	0.22	0.45	-0.1	0.38	0.24		-0.34	-0.34	0.33	0.5	0.81	-0.15	0.51	0.21	-0.15	0.38	0.35	-0.04
Cash Per Share	-0.45	-0.02	-0.38	0.28	-0.24	-0.36	-0.38	-0.36	-0.38	-0.45	-0.34	-0.16	0.35	-0.34		0.44	-0.04	-0.25	-0.02	0.4	-0.12	0.27	0.2	-0.01	0.18	0.18
Pocfratio	-0.17	0.1	-0.1	-0.08	-0.21	-0.81	-0.83	-0.36	-0.1	-0.41	-0.69	-0.34	0.25	-0.34	0.44		-0.39	-0.49	0.02	0.97	-0.32	0.31	0.55	0.26	0.22	0.54
Interest Coverage	0.4	-0.81	0.47	-0.01	0.21	-0.09	0.22	0.36	0.47	0.67	0.03	0.98	0.52	0.33	-0.04	-0.39		0.89	0.4	-0.26	0.67	0.57	0.22	0.47	0.55	0.24
Payout Ratio	0.68	-0.54	0.62	-0.03	0.44	-0.05	0.44	0.55	0.62	0.65	0.23	0.89	0.54	0.5	-0.25	-0.49	0.89		0.36	-0.37	0.74	0.53	-0.07	0.55	0.6	-0.04
Capex To Operating Cash Flow	0.08	-0.52	0.04	0.01	-0.25	-0.44	-0.23	0.77	0.04	0.37	-0.54	0.45	0.27	0.81	-0.02	0.02	0.4	0.36		0.27	0.28	0.32	0.36	0.33	0.34	0.46
Pfcf Ratio	-0.16	-0.06	-0.08	-0.08	-0.27	-0.88	-0.86	-0.18	-0.08	-0.28	-0.79	-0.19	0.27	-0.15	0.4	0.97	-0.26	-0.37	0.27		-0.28	0.35	0.66	0.3	0.26	0.68
Income Quality	0.64	-0.5	0.48	0.05	0.32	-0.18	0.2	0.52	0.48	0.5	0.05	0.66	0.76	0.51	-0.12	-0.32	0.67	0.74	0.28	-0.28		0.74	-0.23	0.79	0.81	-0.2
Roe	0.48	-0.53	0.49	0.01	0.11	-0.71	-0.33	0.25	0.49	0.3	-0.41	0.59	0.95	0.21	0.27	0.31	0.57	0.53	0.32	0.35	0.74		0.24	0.91	0.97	0.26
Ev To Operating Cash Flow	-0.3	-0.61	-0.09	-0.11	-0.47	-0.55	-0.77	-0.2	-0.09	0.3	-0.77	0.3	0.02	-0.15	0.2	0.55	0.22	-0.07	0.36	0.66	-0.23	0.24		0.09	0.08	0.99
Pe Ratio	0.72	-0.4	0.59	-0.03	0.34	-0.69	-0.2	0.39	0.59	0.32	-0.29	0.51	0.89	0.38	-0.01	0.26	0.47	0.55	0.33	0.3	0.79	0.91	0.09		0.94	0.12
Return On Tangible Assets	0.61	-0.43	0.52	-0.01	0.24	-0.66	-0.19	0.37	0.52	0.3	-0.29	0.57	0.97	0.35	0.18	0.22	0.55	0.6	0.34	0.26	0.81	0.97	0.08	0.94		0.11
Ev To Free Cash Flow	-0.28	-0.62	-0.09	-0.13	-0.46	-0.58	-0.76	-0.1	-0.09	0.3	-0.8	0.32	0.04	-0.04	0.18	0.54	0.24	-0.04	0.46	0.68	-0.2	0.26	0.99	0.12	0.11

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Provident Bancorp Account Relationship Matchups

Provident Bancorp fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	4.71	3.74	4.68	1.48	2.61	2.52
Ptb Ratio	1.03	1.6	0.97	0.92	1.33	0.75
Book Value Per Share	6.72	60.87	82.24	102.04	13.38	23.9
Free Cash Flow Yield	0.0504	0.0796	0.0766	0.18	0.0312	0.0297
Operating Cash Flow Per Share	0.97	1.01	1.45	1.33	0.33	0.32
Stock Based Compensation To Revenue	0.0436	0.0333	0.0594	0.0388	0.0327	0.025
Capex To Depreciation	4.49	0.84	0.4	0.24	0.27	0.26
Pb Ratio	1.03	1.6	0.97	0.92	1.33	0.75
Ev To Sales	4.06	2.61	2.65	2.1	0.87	0.82
Free Cash Flow Per Share	0.63	0.95	1.43	1.31	0.31	0.61
Roic	0.0422	0.0481	0.0653	(0.0541)	(0.0622)	(0.0591)
Net Income Per Share	0.86	0.5	0.6	0.66	0.96	(1.3)
Capex To Revenue	0.13	0.0157	0.006186	0.003227	0.00529	0.005026
Cash Per Share	5.65	6.41	11.33	6.63	15.01	10.62
Pocfratio	12.77	11.94	12.83	5.48	30.08	31.59
Interest Coverage	1.79	2.8	6.56	(5.34)	(6.15)	(5.84)
Pfcf Ratio	19.85	12.57	13.05	5.54	32.04	33.64
Income Quality	1.62	1.52	1.51	(1.02)	0.51	0.48
Roe	0.0468	0.0508	0.069	(0.1)	0.0494	0.0469
Ev To Operating Cash Flow	11.01	8.32	7.27	7.78	10.01	14.33
Pe Ratio	20.69	18.11	19.33	(5.59)	15.25	16.09
Return On Tangible Assets	0.0101	0.008185	0.009582	(0.0131)	0.006558	0.006893
Ev To Free Cash Flow	17.12	8.76	7.39	7.88	10.66	17.6
Earnings Yield	0.0483	0.0552	0.0517	(0.18)	0.0656	0.044
Intangibles To Total Assets	0.0626	0.0472	0.0276	0.026	0.0299	0.0284
Net Debt To E B I T D A	(1.92)	(3.72)	(5.85)	(1.93)	(2.22)	(2.11)
Current Ratio	26.9	0.13	0.16	14.12	0.19	0.18
Tangible Book Value Per Share	57.92	79.95	99.36	12.59	13.38	21.59
Graham Number	13.2	13.94	17.37	19.21	14.1	10.44
Shareholders Equity Per Share	6.72	12.86	13.04	13.94	13.38	8.98
Debt To Equity	0.11	0.0572	0.0577	0.61	0.47	0.43
Capex Per Share	0.35	0.0504	0.0246	0.0159	0.0204	0.0194
Graham Net Net	2.3	2.93	5.52	(39.63)	(72.04)	(68.44)
Revenue Per Share	2.65	3.21	3.97	4.93	3.86	2.68

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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

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Is Provident Stock a good investment?

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What is Provident Bancorp's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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For information on how to trade Provident Stock refer to our How to Trade Provident Stock guide.

You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

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

(0.73)

Earnings Share

0.32

Revenue Per Share

3.314

Quarterly Revenue Growth

(0.20)

Return On Assets

0.0031

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.

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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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Provident Historical Financial Ratios

About Provident Financial Ratios Analysis

Provident Bancorp Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Intangibles To Total Assets

Provident Bancorp fundamentals Correlations

Provident Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Provident Bancorp fundamentals Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Ev To Free Cash Flow	+ 0.99	Ev To Operating Cash Flow
Interest Coverage	+ 0.98	Roic
Return On Tangible Assets	+ 0.97	Net Income Per Share
Pfcf Ratio	+ 0.97	Pocfratio
Return On Tangible Assets	+ 0.97	Roe

Pfcf Ratio	- 0.88	Free Cash Flow Yield
Pfcf Ratio	- 0.86	Operating Cash Flow Per Share
Roic	- 0.84	Dividend Yield
Pocfratio	- 0.83	Operating Cash Flow Per Share
Pocfratio	- 0.81	Free Cash Flow Yield
Interest Coverage	- 0.81	Dividend Yield