Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
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
06/12/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 5.9% | 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 06/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 209.90M USD | Price to earnings Ratio 45.38 | 1Y Target Price 12.5 |
Price to earnings Ratio 45.38 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 166290 | Beta 0.29 | 52 Weeks Range 9.48 - 12.96 | Updated Date 06/14/2025 |
52 Weeks Range 9.48 - 12.96 | Updated Date 06/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.88% | Operating Margin (TTM) 26.07% |
Management Effectiveness
Return on Assets (TTM) 0.28% | Return on Equity (TTM) 1.93% |
Valuation
Trailing PE 45.38 | Forward PE 19.72 | Enterprise Value 206077120 | Price to Sales(TTM) 4.18 |
Enterprise Value 206077120 | Price to Sales(TTM) 4.18 | ||
Enterprise Value to Revenue 6.14 | Enterprise Value to EBITDA - | Shares Outstanding 17788000 | Shares Floating 13500198 |
Shares Outstanding 17788000 | Shares Floating 13500198 | ||
Percent Insiders 11.22 | Percent Institutions 41.6 |
Analyst Ratings
Rating 3 | Target Price 12.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Provident Bancorp Inc
Company Overview
History and Background
Provident Bancorp, Inc. (PVBC) operates as the holding company for The Provident Bank, a full-service community bank. Founded in 1854, The Provident Bank has a long history of serving the financial needs of individuals, families, and businesses in Massachusetts and southern New Hampshire. Over the years, it has adapted to changing market conditions while maintaining a focus on community banking principles.
Core Business Areas
- Commercial Lending: Provides term loans, lines of credit, and commercial real estate financing to businesses.
- Retail Banking: Offers deposit accounts, personal loans, and residential mortgages to individuals and families.
- Wealth Management: Provides investment advisory services, trust services, and retirement planning to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with various departments overseeing lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties, with a focus on local businesses. Market share data is not publicly available, but competitors include larger regional and national banks. Competitors include: Rockland Trust, Eastern Bank.
- Residential Mortgages: Provides mortgage loans for residential properties. Market share data is not publicly available, but competitors include national mortgage lenders. Competitors include: Guaranteed Rate, Rocket Mortgage.
- Deposit Accounts: Offers a range of deposit accounts, including checking, savings, and money market accounts. Competitors include: Bank of America, Citizens Bank.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased competition, rising interest rates, and evolving regulatory requirements. Community banks are facing pressure to adapt to technological advancements and changing customer preferences.
Positioning
Provident Bancorp Inc. is positioned as a community-focused bank, emphasizing personalized service and local market knowledge. Its competitive advantages include its strong relationships with local businesses and its commitment to community development.
Total Addressable Market (TAM)
The total addressable market for banking services in Massachusetts and southern New Hampshire is significant. Provident Bancorp Inc. is positioned to capture a portion of this market by focusing on its niche of community banking and personalized service. Estimated TAM is in the billions of dollars.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Established community presence
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expanding into new markets within Massachusetts and southern New Hampshire
- Adopting new technologies to improve customer experience
- Offering new products and services to meet evolving customer needs
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- RBS
- TFSL
- WSFS
Competitive Landscape
Provident Bancorp Inc faces competition from larger regional and national banks, as well as online lenders. Its advantages include its local market knowledge and personalized service, while its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Unable to populate due to lack of current financial data.
Future Projections: Future growth will depend on the bank's ability to expand its market share, improve its efficiency, and adapt to changing market conditions. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives likely include efforts to improve its digital banking platform, expand its commercial lending portfolio, and enhance its customer service.
Summary
Provident Bancorp Inc. is a community-focused bank with a long history and a strong presence in its local markets. While its smaller size and limited geographic reach present challenges, its personalized service and local market knowledge are key strengths. The bank needs to adapt to technological advancements and evolving customer preferences to maintain its competitive position. Economic downturns and increased competition could negatively impact future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Aggregators
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and TAM data are estimates and may not be precise. Financial data may be outdated.
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.