Provident Bancorp, Inc. (PVBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 | Q4'20 |
|---|
| Net Interest Income | 13.19M | 13.53M | 12.88M | 13.64M | 12.41M | 11.95M | 12.49M | 13.56M | 13.89M | 14.9M | 15.82M | 18.75M | 19.75M | 18.61M | 17.93M | 16.42M | 15.5M | 14.6M | 14.91M | 15.37M |
| NII Growth % | 6.26% | 13.17% | 3.12% | 0.57% | -10.65% | -19.79% | -21.05% | -27.63% | -29.7% | -19.9% | -11.77% | 14.17% | 27.42% | 27.41% | 20.24% | 6.82% | 10.78% | 12.03% | 23.49% | 32.8% |
| Net Interest Margin % | 0.88% | 0.88% | 0.83% | 0.86% | 0.75% | 0.73% | 0.75% | 0.81% | 0.77% | 0.85% | 0.93% | 1.15% | 1.11% | 1.04% | 1% | 0.95% | 0.95% | 0.92% | 0.96% | 1.02% |
| Interest Income | 21.31M | 21.3M | 20.58M | 23.12M | 22.43M | 21.87M | 22.04M | 23.57M | 23.23M | 22.88M | 20.63M | 21.02M | 20.71M | 19.15M | 18.45M | 17.07M | 16.34M | 15.51M | 15.89M | 16.48M |
| Interest Expense | 8.12M | 7.77M | 7.71M | 9.48M | 10.02M | 9.92M | 9.55M | 10M | 9.34M | 7.97M | 4.81M | 2.27M | 952K | 547K | 525K | 647K | 832K | 910K | 981K | 1.11M |
| Loan Loss Provision | -418K | -378K | -12K | -1.57M | 1.69M | 6.46M | -5.58M | -1.23M | -156K | -1.07M | 1.78M | -970K | 56.31M | 1.04M | 83K | 1.23M | 232K | 1.67M | 753K | 866K |
| Non-Interest Income | 1.26M | 1.86M | 1.06M | 1.08M | 1.3M | 1.29M | 1.11M | 1.28M | 1.49M | 1.42M | 1.71M | 1.01M | 1.08M | 1.33M | 1.11M | 1.22M | 1.82M | 1.1M | 1.02M | 918K |
| Non-Interest Income % | 5.6% | 8.03% | 4.91% | 4.45% | 5.49% | 5.57% | 4.81% | 5.16% | 6.04% | 5.85% | 7.66% | 4.57% | 4.97% | 6.48% | 5.68% | 6.68% | 10.04% | 6.64% | 6.02% | 5.28% |
| Total Revenue | 22.57M | 23.16M | 21.64M | 24.2M | 23.73M | 23.16M | 23.15M | 24.85M | 24.72M | 24.3M | 22.34M | 22.02M | 21.79M | 20.48M | 19.56M | 18.29M | 18.16M | 16.62M | 16.91M | 17.4M |
| Revenue Growth % | -4.88% | -0% | -6.51% | -2.62% | -4% | -4.68% | 3.63% | 12.82% | 13.45% | 18.64% | 14.19% | 20.44% | 20% | 23.25% | 15.7% | 5.1% | 12.87% | 8.19% | 11.97% | 21.42% |
| Non-Interest Expense | 11.14M | 11.72M | 11.11M | 9.87M | 11.17M | 11.36M | 12.49M | 12.09M | 12.44M | 12.47M | 12.97M | 16.27M | 11.79M | 11.08M | 11.2M | 11.81M | 10.07M | 9.53M | 9.21M | 9.46M |
| Efficiency Ratio | 49.35% | 50.6% | 51.35% | 40.77% | 47.07% | 49.05% | 53.97% | 48.66% | 50.33% | 51.32% | 58.08% | 73.89% | 54.1% | 54.11% | 57.27% | 64.58% | 55.44% | 57.34% | 54.49% | 54.34% |
| Operating Income | 3.73M | 4.04M | 2.83M | 6.42M | 848K | -4.58M | 6.69M | 3.99M | 3.09M | 4.92M | 2.77M | 4.45M | -47.27M | 7.81M | 7.75M | 4.6M | 7.03M | 4.51M | 5.96M | 5.97M |
| Operating Margin % | 16.51% | 17.47% | 13.1% | 26.54% | 3.57% | -19.76% | 28.89% | 16.06% | 12.52% | 20.25% | 12.41% | 20.19% | -216.9% | 38.13% | 39.62% | 25.14% | 38.7% | 27.14% | 35.25% | 34.29% |
| Operating Income Growth % | 339.62% | 188.4% | -57.61% | 60.93% | -72.59% | -193.01% | 141.18% | -10.28% | 106.55% | -37% | -64.22% | -3.26% | -772.62% | 73.19% | 30.05% | -22.96% | 57.56% | 0.07% | 255.4% | 75.55% |
| Pretax Income | 3.73M | 4.04M | 2.83M | 6.42M | 848K | -4.58M | 6.69M | 3.99M | 3.09M | 4.92M | 2.77M | 4.45M | -47.27M | 7.81M | 7.75M | 4.6M | 7.03M | 4.51M | 5.96M | 5.97M |
| Pretax Margin % | 16.51% | 17.47% | 13.1% | 26.54% | 3.57% | -19.76% | 28.89% | 16.06% | 12.52% | 20.25% | 12.41% | 20.19% | -216.9% | 38.13% | 39.62% | 25.14% | 38.7% | 27.14% | 35.25% | 34.29% |
| Income Tax | 1.06M | 1.22M | 665K | 1.54M | 132K | -1.27M | 1.71M | 1.07M | 628K | 1.46M | 670K | 1.75M | -11.96M | 2.19M | 2.23M | 1.01M | 1.94M | 1.34M | 1.66M | 1.67M |
| Effective Tax Rate % | 28.38% | 30.19% | 23.46% | 23.97% | 15.57% | 27.71% | 25.52% | 26.72% | 20.3% | 29.65% | 24.16% | 39.35% | 25.3% | 28.04% | 28.72% | 21.93% | 27.61% | 29.78% | 27.9% | 27.9% |
| Net Income | 2.67M | 2.82M | 2.17M | 4.88M | 716K | -3.31M | 4.98M | 2.92M | 2.47M | 3.46M | 2.1M | 2.7M | -35.31M | 5.62M | 5.53M | 3.59M | 5.09M | 3.17M | 4.3M | 4.3M |
| Net Margin % | 11.83% | 12.19% | 10.03% | 20.18% | 3.02% | -14.28% | 21.52% | 11.77% | 9.98% | 14.24% | 9.41% | 12.25% | -162.03% | 27.44% | 28.24% | 19.63% | 28.01% | 19.05% | 25.42% | 24.72% |
| Net Income Growth % | 272.9% | 185.37% | -56.43% | 66.96% | -70.97% | -195.58% | 136.85% | 8.42% | 106.98% | -38.41% | -61.94% | -24.85% | -794.1% | 77.48% | 28.58% | -16.57% | 58.87% | -2.58% | 249.07% | 68.71% |
| Net Income (Continuing) | 2.67M | 2.82M | 2.17M | 4.88M | 716K | -3.31M | 4.98M | 2.92M | 2.47M | 3.46M | 2.1M | 2.7M | -35.31M | 5.62M | 5.53M | 3.59M | 5.09M | 3.17M | 4.3M | 4.3M |
| EPS (Diluted) | 0.16 | 0.17 | 0.13 | 0.29 | 0.04 | -0.20 | 0.30 | 0.18 | 0.15 | 0.21 | 0.13 | 0.16 | -2.15 | 0.33 | 0.32 | 0.21 | 0.30 | 0.18 | 0.24 | 0.24 |
| EPS Growth % | 275.59% | 185% | -56.67% | 61.11% | -71.6% | -195.24% | 130.77% | 12.5% | 106.98% | -36.36% | -59.38% | -23.81% | -816.67% | 83.33% | 33.33% | -12.5% | 66.67% | 0% | 242.86% | 71.43% |
| EPS (Basic) | 0.16 | 0.17 | 0.13 | 0.29 | 0.04 | -0.20 | 0.30 | 0.18 | 0.15 | 0.21 | 0.13 | 0.16 | -2.15 | 0.34 | 0.33 | 0.22 | 0.31 | 0.19 | 0.25 | 0.24 |
| Diluted Shares Outstanding | 16.98M | 16.95M | 16.92M | 16.86M | 16.81M | 16.71M | 16.72M | 16.69M | 16.65M | 16.57M | 16.53M | 16.61M | 16.46M | 16.88M | 17.03M | 17.18M | 17.24M | 17.34M | 17.56M | 18.01M |