Provident Bancorp Valuation
| PVBC Stock | USD 8.64 0.53 6.54% |
At this time, the company appears to be undervalued. Provident Bancorp holds a recent Real Value of $9.05 per share. The prevailing price of the company is $8.64. Our model determines the value of Provident Bancorp from analyzing the company fundamentals such as Return On Equity of 0.051, shares outstanding of 17.66 M, and Operating Margin of 0.29 % as well as examining its technical indicators and probability of bankruptcy. In general, most investors support purchasing undervalued entities and exiting overvalued entities since, at some point, asset prices and their ongoing real values will merge together. Key fundamental drivers impacting Provident Bancorp's valuation include:
Price Book 0.634 | Enterprise Value 23.3 M | Price Sales 2.13 | Forward PE 19.7239 | Trailing PE 12.1818 |
Undervalued
Today
Please note that Provident Bancorp's price fluctuation is somewhat reliable at this time. Calculation of the real value of Provident Bancorp is based on 3 months time horizon. Increasing Provident Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for Provident Bancorp is useful when determining the fair value of the Provident stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of Provident Bancorp. Since Provident Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Provident Stock. However, Provident Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 8.64 | Real 9.05 | Target 9.0 | Hype 8.65 | Naive 7.83 |
The real value of Provident Stock, also known as its intrinsic value, is the underlying worth of Provident Bancorp Company, which is reflected in its stock price. It is based on Provident Bancorp's financial performance, assets, liabilities, growth prospects, management team, or industry conditions. The intrinsic value of Provident Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Provident Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Provident Bancorp helps investors to forecast how Provident stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Provident Bancorp more accurately as focusing exclusively on Provident Bancorp's fundamentals will not take into account other important factors: Traditionally analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Provident Bancorp's intrinsic value based on its ongoing forecasts of Provident Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Provident Bancorp's closest peers. When choosing an evaluation method for Provident Bancorp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using both methods to arrive at a better estimate.
Provident Bancorp Investments |
|
Provident Valuation Trend
Knowing Provident Bancorp's actual value is paramount for traders to make sound investment determinations. Provident Bancorp's real value is not only important for the investor to make better decisions but also for a more accurate overall view of Provident Bancorp's financial worth over time since having this information enables investors and analysts to forecast the earnings more efficiently. Using both Provident Bancorp's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing descisions.
Provident Market Cap
Provident Bancorp is regarded fifth in market capitalization category among related companies. Market capitalization of Financials industry is at this time estimated at about 1.77 Billion. Provident Bancorp holds roughly 141.98 Million in market capitalization claiming about 8% of equities under Financials industry.Provident Bancorp Valuation Ratios as Compared to Competition
Comparative valuation techniques use various fundamental indicators to help in determining Provident Bancorp's current stock value. Our valuation model uses many indicators to compare Provident Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Provident Bancorp competition to find correlations between indicators driving Provident Bancorp's intrinsic value. More Info.Provident Bancorp is rated below average in price to earning category among related companies. It is rated below average in price to book category among related companies fabricating about 0.07 of Price To Book per Price To Earning. The ratio of Price To Earning to Price To Book for Provident Bancorp is roughly 13.39 . As of April 25, 2024, Price To Book Ratio is expected to decline to 0.74. Comparative valuation analysis is a catch-all model that can be used if you cannot value Provident Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Provident Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Provident Bancorp's earnings, one of the primary drivers of an investment's value.Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Provident Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Provident Bancorp and how it compares across the competition.
About Provident Bancorp Valuation
The stock valuation mechanism determines the current worth of Provident Bancorp on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of Provident Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Provident Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Provident Bancorp's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Provident Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Provident Bancorp. We calculate exposure to Provident Bancorp's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to Provident Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 97.4 M | 54.1 M | |
| Pretax Profit Margin | 0.15 | 0.24 | |
| Operating Profit Margin | 0.01 | 0.01 | |
| Net Profit Margin | 0.11 | 0.17 | |
| Gross Profit Margin | 0.00 | 0.00 |
Provident Bancorp Quarterly Retained Earnings |
|
8 Steps to conduct Provident Bancorp's Valuation Analysis
Company's valuation is the process of determining the worth of any company in monetary terms. It estimates Provident Bancorp's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct Provident Bancorp's valuation analysis, follow these 8 steps:- Gather financial information: Obtain Provident Bancorp's financial statements, including balance sheets, income statements, and cash flow statements.
- Determine Provident Bancorp's revenue streams: Identify Provident Bancorp's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
- Analyze market data: Research Provident Bancorp's industry and market trends, including the size of the market, growth rate, and competition.
- Establish Provident Bancorp's growth potential: Evaluate Provident Bancorp's management, business model, and growth potential.
- Determine Provident Bancorp's financial performance: Analyze its financial statements to assess its historical performance and future potential.
- Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
- Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate Provident Bancorp's estimated value.
- Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
A single share of Provident Bancorp represents a small ownership stake in the entity. As a stockholder of Provident, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Provident Bancorp Dividends Analysis For Valuation
Please note that Provident Bancorp has scaled down on payment of dividends at this time. The current year's Price Earnings Ratio is expected to grow to 16.09, whereas Retained Earnings are forecasted to decline to about 90.9 M.
There are various types of dividends Provident Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Provident shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Provident Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Provident pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Provident Bancorp by the value of the dividends paid out.
Provident Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as Provident Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 16.6 M | |
| Quarterly Earnings Growth Y O Y | 0.075 | |
| Forward Price Earnings | 19.7239 |
Provident Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of Provident Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Provident we look at many different elements of the entity such as Provident's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. Provident Bancorp's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Provident Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Provident Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Provident Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Provident Bancorp's worth.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 tightly coupled 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.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 Stock Tickers module to use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites.
Complementary Tools for Provident Stock analysis
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.
| Equity Valuation Check real value of public entities based on technical and fundamental data | |
| Portfolio Manager State of the art Portfolio Manager to monitor and improve performance of your invested capital | |
| Cryptocurrency Center Build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency | |
| Risk-Return Analysis View associations between returns expected from investment and the risk you assume | |
| Piotroski F Score Get Piotroski F Score based on the binary analysis strategy of nine different fundamentals | |
| Price Exposure Probability Analyze equity upside and downside potential for a given time horizon across multiple markets | |
| Sign In To Macroaxis Sign in to explore Macroaxis' wealth optimization platform and fintech modules | |
| Bollinger Bands Use Bollinger Bands indicator to analyze target price for a given investing horizon | |
| Idea Breakdown Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes | |
| AI Investment Finder Use AI to screen and filter profitable investment opportunities |
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.