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Upturn AI SWOT - About
PVBC 
Provident Bancorp Inc (PVBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: PVBC (1-star) is currently NOT-A-BUY. Pass it for now.
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 5.87% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 224.26M USD | Price to earnings Ratio 20.34 | 1Y Target Price 12.5 |
Price to earnings Ratio 20.34 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.33 | 52 Weeks Range 10.27 - 13.02 | Updated Date 10/15/2025 |
52 Weeks Range 10.27 - 13.02 | Updated Date 10/15/2025 | ||
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 2025-10-23 | When After Market | Estimate 0.13 | 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 20.34 | Forward PE 19.72 | Enterprise Value 123894296 | Price to Sales(TTM) 3.79 |
Enterprise Value 123894296 | Price to Sales(TTM) 3.79 | ||
Enterprise Value to Revenue 4.53 | Enterprise Value to EBITDA - | Shares Outstanding 17784048 | Shares Floating 15305073 |
Shares Outstanding 17784048 | Shares Floating 15305073 | ||
Percent Insiders 10.41 | Percent Institutions 45.43 |
Upturn AI SWOT
Provident Bancorp Inc
Company Overview
History and Background
Provident Bancorp, Inc. (PVBC) is the holding company for BankProv, formerly known as The Provident Bank. Founded in 1828, the bank has evolved from a traditional savings bank to a commercial bank focusing on specialized lending areas.
Core Business Areas
- Commercial Banking: Provides commercial real estate loans, equipment loans, and working capital lines of credit to businesses.
- Specialty Lending: Offers specialized lending products, including cannabis banking and technology finance.
- Retail Banking: Provides traditional retail banking services, including deposit accounts and residential mortgages, but with less emphasis compared to commercial and specialty lending.
Leadership and Structure
Dave Mansfield serves as the CEO. The company has a board of directors overseeing its operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to PVBC is not readily available, but the commercial real estate loan market is highly competitive with numerous national and regional players. Competitors include larger national banks and other regional commercial banks.
- Cannabis Banking: Banking services for cannabis-related businesses. Market share in this niche area is growing. Competitors are fewer due to regulatory complexities, including other specialized institutions and credit unions entering the space. No specific market share numbers are available.
- Technology Finance: Lending solutions for technology companies. Market share details for PVBC are not easily obtained. Competitors include Silicon Valley Bank (now part of First Citizens), other specialized lenders, and venture debt funds.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates and increased regulatory scrutiny. Fintech companies are also disrupting traditional banking models. The specialized lending segments are expanding.
Positioning
Provident Bancorp is positioning itself as a specialist lender focusing on niche markets like cannabis and technology finance. Its competitive advantage lies in its expertise in these specialized areas and its ability to navigate complex regulatory environments.
Total Addressable Market (TAM)
The total addressable market for commercial banking is in the trillions of dollars. The cannabis banking TAM is growing rapidly but is still relatively small. Technology finance represents another large and growing market. PVBC's position within these TAMs is small but growing, focused on specialization.
Upturn SWOT Analysis
Strengths
- Specialized lending expertise
- Strong customer relationships
- Experienced management team
- Focus on niche markets
Weaknesses
- Smaller size compared to larger banks
- Concentration risk in specialized lending areas
- Limited geographic diversification
- High operating costs
Opportunities
- Expansion into new niche markets
- Increased demand for cannabis banking services
- Growing technology sector
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Regulatory changes in cannabis banking
- Economic downturn impacting commercial real estate
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- EWBC
- BOH
- CASH
Competitive Landscape
PVBC is smaller compared to larger regional and national banks. Its advantage lies in its specialized lending expertise. However, its limited scale and geographic reach are disadvantages.
Growth Trajectory and Initiatives
Historical Growth: Historically, PVBC has grown through organic expansion of its commercial and specialty lending businesses. Its growth has been steady within niche market.
Future Projections: Future growth is expected to be driven by increased demand for specialized lending services. Analyst estimates for revenue growth are: [Array of Analyst estimated revenue growth for next 3 years].
Recent Initiatives: Recent initiatives include expanding its cannabis banking services and investing in technology to enhance its digital banking capabilities.
Summary
Provident Bancorp, Inc. is a niche commercial bank specializing in cannabis banking and technology finance, with steady growth through focused lending. It faces threats from larger banks and regulatory changes in the cannabis industry. Strategic acquisitions and diversification could enhance its competitive position. The company's strengths lie in its specialized expertise, but size and concentration risk need to be monitored.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- MarketWatch
- Yahoo Finance
- Google Finance
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Financial data requires updated entries from real-time sources.
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.
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