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Upturn AI SWOT - About
PVBC 
Provident Bancorp Inc (PVBC)
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Upturn Advisory Summary
07/03/2025: 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 13.57% | Avg. Invested days 40 | 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 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 226.62M USD | Price to earnings Ratio 49 | 1Y Target Price 12.5 |
Price to earnings Ratio 49 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.29 | 52 Weeks Range 9.67 - 12.96 | Updated Date 07/4/2025 |
52 Weeks Range 9.67 - 12.96 | Updated Date 07/4/2025 | ||
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 49 | Forward PE 19.72 | Enterprise Value 216331024 | Price to Sales(TTM) 4.51 |
Enterprise Value 216331024 | Price to Sales(TTM) 4.51 | ||
Enterprise Value to Revenue 6.44 | Enterprise Value to EBITDA - | Shares Outstanding 17788000 | Shares Floating 15206550 |
Shares Outstanding 17788000 | Shares Floating 15206550 | ||
Percent Insiders 11.22 | Percent Institutions 39.9 |
Upturn AI SWOT
Provident Bancorp Inc
Company Overview
History and Background
Provident Bancorp, Inc. is the holding company for Provident Bank. Founded in 1828, Provident Bank provides financial services to individuals, families, and businesses.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides deposit accounts, mortgages, personal loans, and other services to individuals and families.
- Wealth Management: Offers trust, investment, and wealth management services.
Leadership and Structure
David Mansfield is the Chairman, President and CEO. The organizational structure consists of various departments including lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for commercial properties. Market share data is not readily available. Competitors include larger national banks like Bank of America and regional banks like Eastern Bank.
- Residential Mortgages: Mortgage loans for residential properties. Market share data is not readily available. Competitors include Rocket Mortgage and local mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not readily available. Competitors include Chase, Citizens Bank and local credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory changes, and technological disruption. Interest rate fluctuations also play a significant role.
Positioning
Provident Bancorp Inc. is a regional bank focusing on community banking and commercial lending. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the region is estimated to be several billion dollars. Provident Bancorp's positioning allows it to capture a portion of this market through its community focus.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lack of diversification in revenue streams
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Increasing demand for community banking
Threats
- Increasing competition from larger banks
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Citizens Financial Group (CFG)
- Eastern Bankshares, Inc. (EBC)
Competitive Landscape
Provident Bancorp faces competition from larger national banks and other regional players. Its competitive advantage lies in its local focus and customer service, but it needs to innovate to compete with larger competitors' technological capabilities.
Growth Trajectory and Initiatives
Historical Growth: Data not publicly available. Historical Growth can not be presented for Provident Bancorp Inc, due to the private nature of the stock.
Future Projections: Data not publicly available. Future Projections can not be presented for Provident Bancorp Inc, due to the private nature of the stock.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion of commercial lending services.
Summary
Provident Bancorp Inc. is a community-focused bank with a strong local presence, but it faces challenges from larger competitors and the changing banking landscape. Its strengths are in its customer relationships and local expertise, while its weaknesses are its smaller scale and limited geographic reach. The bank should focus on leveraging technology and expanding its service offerings to remain competitive. Successfully adapting to digital banking and managing interest rate risk will be critical for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
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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