Provident Bancorp Inc. (PVBC)
Provident Bancorp Statistics
Share Statistics
Provident Bancorp has 17.79M shares outstanding. The number of shares has increased by 0.42% in one year.
| Shares Outstanding | 17.79M |
| Shares Change (YoY) | 0.42% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | 47.91% |
| Shares Floating | n/a |
| Failed to Deliver (FTD) Shares | 10 |
| FTD / Avg. Volume | 0.04% |
Short Selling Information
The latest short interest is 91.34K, so 0.51% of the outstanding shares have been sold short.
| Short Interest | 91.34K |
| Short % of Shares Out | 0.51% |
| Short % of Float | 0.59% |
| Short Ratio (days to cover) | 3.39 |
Valuation Ratios
The PE ratio is 26.23 and the forward PE ratio is 12.31. Provident Bancorp's PEG ratio is -0.75.
| PE Ratio | 26.23 |
| Forward PE | 12.31 |
| PS Ratio | 3.45 |
| Forward PS | 3 |
| PB Ratio | 0.83 |
| P/FCF Ratio | 16.54 |
| PEG Ratio | -0.75 |
Enterprise Valuation
Provident Bancorp has an Enterprise Value (EV) of 31.11M.
| EV / Sales | 0.56 |
| EV / EBITDA | 0 |
| EV / EBIT | 2.62 |
| EV / FCF | 2.7 |
Financial Position
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.04 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.83 |
| Interest Coverage | 0 |
Financial Efficiency
Return on Equity is 3.15% and Return on Invested Capital is 0.78%.
| Return on Equity | 3.15% |
| Return on Assets | 0.46% |
| Return on Invested Capital | 0.78% |
| Revenue Per Employee | $312,282.49 |
| Profits Per Employee | $41,079.1 |
| Employee Count | 177 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 2.11M |
| Effective Tax Rate | 22.49% |
Stock Price Statistics
The stock price has increased by 16.83% in the last 52 weeks. The beta is 0.3, so Provident Bancorp's price volatility has been higher than the market average.
| Beta | 0.3 |
| 52-Week Price Change | 16.83% |
| 50-Day Moving Average | 11.43 |
| 200-Day Moving Average | 11.15 |
| Relative Strength Index (RSI) | 44.67 |
| Average Volume (20 Days) | 25,036 |
Income Statement
In the last 12 months, Provident Bancorp had revenue of 55.27M and earned 7.27M in profits. Earnings per share was 0.43.
| Revenue | 55.27M |
| Gross Profit | 55.4M |
| Operating Income | 15.95M |
| Net Income | 7.27M |
| EBITDA | n/a |
| EBIT | 31.9M |
| Earnings Per Share (EPS) | 0.43 |
Balance Sheet
The company has 169.14M in cash and 9.56M in debt, giving a net cash position of 159.58M.
| Cash & Cash Equivalents | 169.14M |
| Total Debt | 9.56M |
| Net Cash | 159.58M |
| Retained Earnings | 113.56M |
| Total Assets | 1.59B |
| Working Capital | 169.14M |
Cash Flow
In the last 12 months, operating cash flow was 11.9M and capital expenditures 0, giving a free cash flow of 11.53M.
| Operating Cash Flow | 11.9M |
| Capital Expenditures | n/a |
| Free Cash Flow | 11.53M |
| FCF Per Share | 0.69 |
Margins
Gross margin is 100.23%, with operating and profit margins of 28.86% and 13.15%.
| Gross Margin | 100.23% |
| Operating Margin | 28.86% |
| Pretax Margin | 16.97% |
| Profit Margin | 13.15% |
| EBITDA Margin | n/a |
| EBIT Margin | 28.86% |
| FCF Margin | 20.85% |
Dividends & Yields
PVBC pays an annual dividend of $0.2, which amounts to a dividend yield of 1.07%.
| Dividend Per Share | $0.20 |
| Dividend Yield | 1.07% |
| Dividend Growth (YoY) | 33.33% |
| Payout Ratio | 46.51% |
| Earnings Yield | 3.81% |
| FCF Yield | 6.04% |
Analyst Forecast
The average price target for PVBC is $12, which is 9.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $12 |
| Price Target Difference | 9.4% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
Stock Splits
The last stock split was on Oct 17, 2019. It was a forward split with a ratio of 2021:1000.
| Last Split Date | Oct 17, 2019 |
| Split Type | forward |
| Split Ratio | 2021:1000 |
Scores
| Altman Z-Score | 0.35 |
| Piotroski F-Score | 5 |