Provident Bancorp Stock Today

PVBC Stock  USD 11.83  0.36  3.14%   

Performance

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Odds Of Distress

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Provident Bancorp is trading at 11.83 as of the 20th of March 2025, a 3.14 percent increase since the beginning of the trading day. The stock's open price was 11.47. Provident Bancorp has only a 8 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 20th of December 2024 and ending today, the 20th of March 2025. Click here to learn more.
Business Domain
Banks
IPO Date
Category
Financial Services
Classification
Financials
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. The company was founded in 1828 and is headquartered in Amesbury, Massachusetts. The company has 17.79 M outstanding shares of which 115.96 K shares are at this time shorted by private and institutional investors with about 3.83 trading days to cover. More on Provident Bancorp

Moving together with Provident Stock

  0.66NU Nu Holdings Aggressive PushPairCorr

Moving against Provident Stock

  0.44EFSI Eagle Financial ServicesPairCorr
Follow Valuation Options Odds of Bankruptcy
Check how we calculate scores

Provident Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CoPresident CoCEOJoseph Reilly
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.03260.0355
Significantly Down
Very volatile
Gross Profit Margin0.780.87
Moderately Down
Slightly volatile
Total Current Liabilities710.2 M1.4 B
Way Down
Slightly volatile
Non Current Liabilities Total1.6 B1.6 B
Sufficiently Up
Slightly volatile
Total Assets1.2 B1.9 B
Way Down
Slightly volatile
Total Current Assets280.2 M260.4 M
Significantly Up
Slightly volatile
Total Cash From Operating Activities6.1 M6.4 M
Notably Down
Slightly volatile
Debt Levels
Provident Bancorp can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Provident Bancorp's financial leverage. It provides some insight into what part of Provident Bancorp's total assets is financed by creditors.
Liquidity
Provident Bancorp currently holds 108.87 M in liabilities with Debt to Equity (D/E) ratio of 6.33, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Provident Bancorp's use of debt, we should always consider it together with its cash and equity.

Stock Based Compensation

1.79 Million
Provident Bancorp (PVBC) is traded on NASDAQ Exchange in USA. It is located in 5 Market Street, Amesbury, MA, United States, 01913 and employs 13 people. Provident Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 204.03 M. Provident Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 17.79 M outstanding shares of which 115.96 K shares are at this time shorted by private and institutional investors with about 3.83 trading days to cover. Provident Bancorp currently holds about 154.8 M in cash with 5.55 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 8.89.
Check Provident Bancorp Probability Of Bankruptcy
Ownership Allocation
Provident Bancorp owns a total of 17.79 Million outstanding shares. 30% of Provident Bancorp outstanding shares are owned by third-party entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.
Check Provident Ownership Details

Provident Stock Institutional Holders

InstituionRecorded OnShares
Northern Trust Corp2024-12-31
128.8 K
Four Tree Island Advisory Llc2024-12-31
92.3 K
Newedge Investment Solutions2024-12-31
76.3 K
Jpmorgan Chase & Co2024-12-31
73.6 K
Watch Point Trust Co2024-12-31
70.2 K
Morgan Stanley - Brokerage Accounts2024-12-31
62.7 K
Bank Of New York Mellon Corp2024-12-31
52.1 K
Charles Schwab Investment Management Inc2024-12-31
45.9 K
Fourthstone Llc2024-12-31
43.7 K
Stilwell Value Llc2024-12-31
1.7 M
M3f, Inc.2024-12-31
1.2 M
View Provident Bancorp Diagnostics

Provident Bancorp Historical Income Statement

At present, Provident Bancorp's Selling And Marketing Expenses is projected to increase significantly based on the last few years of reporting. The current year's Other Operating Expenses is expected to grow to about 77.4 M, whereas Depreciation And Amortization is forecasted to decline to about 953.9 K. View More Fundamentals

Provident Stock Against Markets

Provident Bancorp Corporate Executives

Elected by the shareholders, the Provident Bancorp's board of directors comprises two types of representatives: Provident Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Provident. The board's role is to monitor Provident Bancorp's management team and ensure that shareholders' interests are well served. Provident Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Provident Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
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:
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.
You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
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.
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.