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Provident Bancorp, Inc.(PVBC)Earnings, Financials & Key Ratios
PVBC•NASDAQ•Banking & Credit
$13.50
31.4× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutProvident 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.Show more
- Net Interest Income$50M-13.2%
- Total Revenue$94M-2.0%
- Net Income$7M-33.6%
- Return on Equity3.21%-37.1%
- Net Interest Margin3.17%-9.0%
- Efficiency Ratio47.63%-8.3%
- ROA0.45%-32.7%
- Equity / Assets14.5%+9.2%
- Book Value per Share13.77+3.0%
PVBC Price & Volume
Provident Bancorp, Inc. (PVBC) stock price & volume — 10-year historical chart
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Structural Balance Sheet Contraction Limits Growth Potential
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Niche asset concentration volatility
Key Thesis Takeaways
- Provident Bancorp faces significant headwinds as its total assets have contracted from $1.8 billion in 2023Q3 to $1.5 billion in 2025Q3, reflecting a challenging environment for its specialized lending model.
- While the bank has bolstered its capital position with an equity-to-assets ratio of 0.16, persistent margin compression and volatile credit provisioning continue to weigh on core profitability.
- Investors should remain cautious as the bank struggles to convert its $128.9 million cash position into meaningful earnings growth, given the current 0.9% net interest margin.
Verdict Logic
the bank's forward P/E of 20.77 appears elevated relative to its strained profitability, characterized by a 1.1% ROE as of 2025Q3 and ongoing volatility in credit provisioning.
PVBC Growth Metrics
Provident Bancorp, Inc. (PVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.24%
5 Years11.11%
3 Years10.81%
TTM-
Profit CAGR
10 Years4.77%
5 Years-7.62%
3 Years-23.34%
TTM136.14%
EPS CAGR
10 Years-0.67%
5 Years-6.45%
3 Years-22.67%
TTM132.49%
Return on Capital
10 Years4.56%
5 Years2.73%
3 Years-0.24%
Last Year3.8%
PVBC Recent Earnings
Provident Bancorp, Inc. (PVBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 3/12 qtrs (33%)
Q4 2025Latest
Oct 23, 2025Metric
Actual
Est
EPS
$0.16+23.1%
$0.13
Rev
$14M-4.9%
$15M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.17+41.7%
$0.12
Rev
$15M+2.6%
$15M
Q2 2025
Apr 25, 2025Metric
Actual
Est
EPS
$0.13-40.9%
$0.22
Rev
$14M-7.7%
$15M
Q2 2025
Mar 31, 2025Metric
Actual
Est
EPS
$0.29
—
Rev
$24M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Oct 23, 2025 | $0.16vs $0.13+23.1% | $14Mvs $15M-4.9% |
| Q3 2025 | Jul 24, 2025 | $0.17vs $0.12+41.7% | $15Mvs $15M+2.6% |
| Q2 2025 | Apr 25, 2025 | $0.13vs $0.22-40.9% | $14Mvs $15M-7.7% |
| Q2 2025 | Mar 31, 2025 | $0.29 | $24M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Provident Bancorp, Inc. (PVBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.50 | $240.07M | 31.40 | -2.04% | 7.72% | 3.21% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $84.72 | $4.09B | 19.04 | 19.82% | 19.81% | 7.01% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — | |
| $77.91 | $4.05B | 15.31 | -3.05% | 22.64% | 11.38% | — | |
| $40.18 | $1.77B | 16.95 | 13.03% | 16.65% | 8.46% | — |
Compare PVBC vs Peers
Provident Bancorp, Inc. (PVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PVBC SEC Filings & Documents
Provident Bancorp, Inc. (PVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PVBC Frequently Asked Questions
Provident Bancorp, Inc. (PVBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Provident Bancorp, Inc. growing?
Provident Bancorp, Inc. (PVBC) saw revenue decline by 2.0% over the past year.
Is PVBC profitable?
Yes, Provident Bancorp, Inc. (PVBC) is profitable, generating $12.5M in net income for fiscal year 2024 (7.7% net margin).
Dividend & Returns
What is PVBC's return on equity?
Provident Bancorp, Inc. (PVBC) has a return on equity (ROE) of 3.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is Provident Bancorp, Inc.'s net interest margin?
Provident Bancorp, Inc. (PVBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Provident Bancorp, Inc.'s efficiency ratio?
Provident Bancorp, Inc. (PVBC) has an efficiency ratio of 47.6%. This is excellent, indicating strong cost control.