Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
PVBC 
Provident Bancorp Inc (PVBC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: PVBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $12.5
1 Year Target Price $12.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.96% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 229.59M USD | Price to earnings Ratio 20.82 | 1Y Target Price 12.5 |
Price to earnings Ratio 20.82 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.32 | 52 Weeks Range 10.09 - 13.02 | Updated Date 08/29/2025 |
52 Weeks Range 10.09 - 13.02 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.91% | Operating Margin (TTM) 30.9% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 4.59% |
Valuation
Trailing PE 20.82 | Forward PE 19.72 | Enterprise Value 128946696 | Price to Sales(TTM) 3.88 |
Enterprise Value 128946696 | Price to Sales(TTM) 3.88 | ||
Enterprise Value to Revenue 4.68 | Enterprise Value to EBITDA - | Shares Outstanding 17784000 | Shares Floating 15305073 |
Shares Outstanding 17784000 | Shares Floating 15305073 | ||
Percent Insiders 11.22 | Percent Institutions 45.44 |
Upturn AI SWOT
Provident Bancorp Inc
Company Overview
History and Background
Provident Bancorp, Inc. (PVBC) is the holding company for Provident Bank. The bank was founded in 1828 as the Amesbury and Salisbury Savings Bank in Amesbury, Massachusetts. It has grown organically and through acquisitions to become a community-focused financial institution.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers a range of financial products and services to businesses, such as commercial loans, lines of credit, and treasury management services.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team comprises experienced banking professionals. The organizational structure includes a board of directors overseeing the management team, with various departments focusing on different aspects of the business, such as lending, retail operations, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provident Bank originates and services residential mortgage loans. Market share data for specific geographies would be required from external sources and would vary. Competitors include larger national mortgage lenders and other regional banks and credit unions.
- Commercial Loans: Commercial loans and lines of credit are offered to small and medium-sized businesses. Market share is dependent on the geographic area the loans serve, and competitors include larger regional banks and credit unions and non-bank lenders.
- Deposit Accounts: Provident Bank offers a wide range of deposit accounts including checking, savings, money market and CD's. Market Share is highly dependent on the specific product and the demographics. Competitors include most regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities related to interest rate fluctuations, regulatory changes, technological advancements (fintech), and increasing competition from non-bank financial institutions.
Positioning
Provident Bancorp Inc is positioned as a community-focused bank providing personalized service and tailored financial solutions. Its competitive advantage lies in its local knowledge and relationships within its service area.
Total Addressable Market (TAM)
The total addressable market for banking services in Massachusetts and New Hampshire is significant, encompassing all potential customers for retail and commercial banking products. Provident Bancorp Inc holds a small percentage of this TAM, focusing on specific communities and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Conservative lending practices
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking model
- Lower brand recognition outside its core market
Opportunities
- Expansion into new markets
- Adoption of new technologies to enhance customer experience
- Strategic acquisitions to increase market share
- Increase efficiency through digital transformation
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand and asset quality
- Regulatory changes increasing compliance costs
- Interest rate risk impacting net interest margin
Competitors and Market Share
Key Competitors
- MTB
- BOH
- CASH
Competitive Landscape
Provident Bancorp Inc competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its local focus and personalized service, while its disadvantages include its limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is based on organic expansion and acquisitions. Refer to SEC filings for accurate data.
Future Projections: Future projections would require analyst estimates and are subject to market conditions and company performance.
Recent Initiatives: Recent initiatives might include branch expansions, digital banking upgrades, and new product launches. Refer to press releases and company reports for latest data.
Summary
Provident Bancorp Inc is a community bank that has demonstrated steady growth through organic expansion and strategic acquisitions. Its strengths lie in its local presence and customer relationships, but it faces challenges from larger competitors and technological changes. To thrive, Provident needs to embrace digital innovation and expand its reach while maintaining its community focus.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Financial Databases
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Provident Bancorp Inc
Exchange NASDAQ | Headquaters Amesbury, MA, United States | ||
IPO Launch date 2015-07-16 | President, CEO & Director Mr. Joseph B. Reilly | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 177 | Website https://bankprov.com |
Full time employees 177 | Website https://bankprov.com | ||
Provident Bancorp, Inc. operates as the bank holding company for BankProv that provides various banking services to commercial and consumer clients in the United States. The company offers checking, term certificate, NOW, money market, and savings accounts, as well as certificates of deposit. It also provides commercial business, commercial real estate, multi-family, construction and land development, mortgage warehouse, commercial, enterprise value, digital asset, and consumer loans. In addition, the company invests in securities. Provident Bancorp, Inc. was founded in 1828 and is headquartered in Amesbury, Massachusetts.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.