Provident Financial Statements From 2010 to 2024

PVBC Stock  USD 7.72  0.04  0.52%   
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
24.8 M
Profit Margin
0.1662
Market Capitalization
136.3 M
Revenue
65.9 M
Earnings Share
0.66
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 2024 to make sure the company is sustainable down the road. The current year's Enterprise Value is expected to grow to about 106.1 M, whereas Market Cap is forecasted to decline to about 112.3 M.

Provident Bancorp Total Revenue

54.06 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 main balance sheet or income statement drivers, such as Depreciation And Amortization of 957.9 K, Interest Expense of 33.7 M or Selling General Administrative of 23.3 M, as well as many exotic indicators such as Price To Sales Ratio of 2.46, Dividend Yield of 0.0 or PTB Ratio of 0.74. Provident financial statements analysis is a perfect complement when working with Provident Bancorp Valuation or Volatility modules.
  
This module can also supplement various Provident Bancorp Technical models . 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

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.2 B1.7 BB
Slightly volatile
Short and Long Term Debt Total58.7 M108.9 M51.3 M
Slightly volatile
Total Stockholder Equity172.8 M221.9 M140.7 M
Slightly volatile
Other Liabilities12.3 M20.9 M10.8 M
Slightly volatile
Property Plant And Equipment Net16.2 M16.8 M14 M
Slightly volatile
Retained Earnings90.9 M106.3 M77 M
Slightly volatile
Accounts Payable945.5 M1.5 B835.9 M
Slightly volatile
Cash231.3 M220.3 M67.2 M
Slightly volatile
Non Current Assets Total1.5 B1.4 B285.3 M
Slightly volatile
Other Assets76.7 M80.7 M567.5 M
Pretty Stable
Long Term Debt9.2 M9.7 M22 M
Very volatile
Net Receivables4.1 M6.1 M3.4 M
Slightly volatile
Common Stock Shares Outstanding15.2 M16.6 M13.1 M
Slightly volatile
Short Term Investments46.8 M28.6 M63.5 M
Slightly volatile
Liabilities And Stockholders Equity1.2 B1.7 BB
Slightly volatile
Non Current Liabilities Total192.8 M260.8 M149.6 M
Slightly volatile
Other Stockholder Equity78.4 M124.1 M57.6 M
Slightly volatile
Total Liabilities1.5 B1.4 B681.9 M
Slightly volatile
Property Plant And Equipment Gross17.4 M29.2 M14.9 M
Slightly volatile
Total Current Assets280.2 M226.4 M226.5 M
Slightly volatile
Property Plant Equipment15.9 M20.2 M14.2 M
Slightly volatile
Other Current Liabilities894.3 M1.3 B780.6 M
Slightly volatile
Total Current Liabilities756.1 M1.2 B657.5 M
Pretty Stable
Net Tangible Assets173.4 M238.7 M137.7 M
Slightly volatile
Other Current Assets237.7 M226.4 M59.5 M
Slightly volatile
Long Term Investments52.2 M28.6 M80.4 M
Slightly volatile
Short Term Debt100.2 M95.4 M36.5 M
Slightly volatile
Capital Surpluse176.5 M168.1 M88.1 M
Slightly volatile
Earning Assets103.3 M106 M134.2 M
Slightly volatile
Non Current Liabilities Other11.2 M14.2 M10.5 M
Slightly volatile
Net Invested Capital275 M326.6 M201.5 M
Slightly volatile
Long Term Debt Total54.4 M61.2 M66.7 M
Slightly volatile
Capital Lease Obligations4.7 M4.2 M4.1 M
Slightly volatile

Provident Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization957.9 K932 K831.7 K
Slightly volatile
Interest Expense33.7 M32.1 M7.6 M
Slightly volatile
Selling General Administrative23.3 M35.3 M19.5 M
Slightly volatile
Selling And Marketing Expenses672 K640 K303.1 K
Slightly volatile
Total Revenue54.1 M97.4 M44.5 M
Slightly volatile
Gross Profit54.1 M97.4 M44.5 M
Slightly volatile
Cost Of Revenue5.4 M9.8 MM
Slightly volatile
Net Interest Income50.9 M63.4 M38.9 M
Slightly volatile
Interest Income58.2 M87.7 M44.1 M
Slightly volatile
Reconciled Depreciation1.2 M1.1 M963 K
Slightly volatile

Provident Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.9 M2.1 M1.4 M
Slightly volatile
Free Cash FlowM5.2 M8.8 M
Slightly volatile
Begin Period Cash Flow53.3 M80.6 M43.8 M
Slightly volatile
DepreciationM932 K864.7 K
Slightly volatile
Capital Expenditures322.1 K339 K1.3 M
Very volatile
Total Cash From Operating Activities5.3 M5.6 M10.1 M
Slightly volatile
End Period Cash Flow231.3 M220.3 M67.2 M
Slightly volatile
Change To Netincome7.4 M7.1 M3.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.461.71562.9168
Pretty Stable
Dividend Yield0.00.00.0053
Slightly volatile
PTB Ratio0.740.75270.9004
Very volatile
Days Sales Outstanding30.7222.831728.4481
Very volatile
Book Value Per Share8.9813.378710.2959
Slightly volatile
Free Cash Flow Yield0.02970.03120.0665
Pretty Stable
Invested Capital0.430.4730.4329
Slightly volatile
Operating Cash Flow Per Share0.320.33470.7255
Slightly volatile
Stock Based Compensation To Revenue0.02460.02150.0253
Slightly volatile
PB Ratio0.740.75270.9004
Very volatile
EV To Sales0.540.57073.0691
Slightly volatile
Free Cash Flow Per Share0.610.31430.6422
Slightly volatile
Sales General And Administrative To Revenue0.480.36220.454
Slightly volatile
Cash Per Share10.6215.00679.9509
Pretty Stable
POCF Ratio31.5930.083416.7811
Very volatile
PFCF Ratio33.6432.039720.265
Pretty Stable
EV To Operating Cash Flow14.3310.00717.3783
Slightly volatile
EV To Free Cash Flow17.610.657721.6469
Slightly volatile
Intangibles To Total Assets0.650.620.1657
Slightly volatile
Current Ratio0.180.190618.9206
Slightly volatile
Tangible Book Value Per Share23.913.378724.9778
Slightly volatile
Receivables Turnover10.8315.986513.1182
Very volatile
Graham Number10.4414.099811.9376
Slightly volatile
Shareholders Equity Per Share8.9813.378710.2959
Slightly volatile
Debt To Equity0.430.4730.4329
Slightly volatile
Revenue Per Share6.165.86983.5088
Slightly volatile
Interest Debt Per Share8.688.26554.8186
Pretty Stable
Debt To Assets0.0560.06280.0542
Slightly volatile
Short Term Coverage Ratios0.05530.058213.9398
Pretty Stable
Price Book Value Ratio0.740.75270.9004
Very volatile
Price To Operating Cash Flows Ratio31.5930.083416.7811
Very volatile
Price To Free Cash Flows Ratio33.6432.039720.265
Pretty Stable
Ebt Per Ebit14.4613.77172.6279
Slightly volatile
Effective Tax Rate0.320.25870.2876
Very volatile
Company Equity Multiplier8.187.52767.7916
Slightly volatile
Long Term Debt To Capitalization0.03920.04130.2311
Slightly volatile
Total Debt To Capitalization0.290.32110.2868
Slightly volatile
Debt Equity Ratio0.430.4730.4329
Slightly volatile
Quick Ratio0.20.214718.0535
Slightly volatile
Net Income Per E B T0.570.74130.7051
Very volatile
Cash Ratio0.180.185510.3467
Slightly volatile
Operating Cash Flow Sales Ratio0.05420.0570.221
Pretty Stable
Days Of Sales Outstanding30.7222.831728.4481
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.680.93890.8253
Pretty Stable
Cash Flow Coverage Ratios0.05020.05290.2981
Slightly volatile
Price To Book Ratio0.740.75270.9004
Very volatile
Fixed Asset Turnover6.15.80693.2379
Slightly volatile
Price Cash Flow Ratio31.5930.083416.7811
Very volatile
Debt Ratio0.0560.06280.0542
Slightly volatile
Cash Flow To Debt Ratio0.05020.05290.2981
Slightly volatile
Price Sales Ratio2.461.71562.9168
Pretty Stable
Asset Turnover0.0340.05830.0412
Slightly volatile
Price Fair Value0.740.75270.9004
Very volatile

Provident Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap112.3 M167 M133.9 M
Slightly volatile
Enterprise Value106.1 M55.6 M124.5 M
Slightly volatile

Provident Fundamental Market Drivers

Forward Price Earnings19.7239
Cash And Short Term Investments-22.2 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

There are typically three primary documents that fall into the category of financial statements. These documents include Provident Bancorp income statement, its balance sheet, and the statement of cash flows. Provident Bancorp investors use historical funamental 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 use each financial statement separately, they are all related. The changes in Provident Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Provident Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Provident Bancorp Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Provident Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue97.4 M54.1 M
Cost Of Revenue9.8 M5.4 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.36  0.48 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0)(0)
Revenue Per Share 5.87  6.16 
Ebit Per Revenue 0.01  0.01 

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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:
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.
Note that the Provident Bancorp information on this page should be used as a complementary analysis to other Provident Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.

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When running Provident Bancorp's price analysis, check to measure Provident Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Bancorp is operating at the current time. Most of Provident Bancorp's value examination focuses on studying past and present price action to predict the probability of Provident Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Bancorp's price. Additionally, you may evaluate how the addition of Provident Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Provident Bancorp's industry 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
0.075
Earnings Share
0.66
Revenue Per Share
3.974
Quarterly Revenue Growth
(0.23)
Return On Assets
0.0066
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.