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Upturn AI SWOT - About
PVBC 
Provident Bancorp Inc (PVBC)
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Upturn Advisory Summary
09/12/2025: 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.
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 8.26% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 226.03M USD | Price to earnings Ratio 20.5 | 1Y Target Price 12.5 |
Price to earnings Ratio 20.5 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 1 | Beta 0.34 | 52 Weeks Range 10.09 - 13.02 | Updated Date 09/14/2025 |
52 Weeks Range 10.09 - 13.02 | Updated Date 09/14/2025 | ||
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 20.5 | Forward PE 19.72 | Enterprise Value 125578432 | Price to Sales(TTM) 3.82 |
Enterprise Value 125578432 | Price to Sales(TTM) 3.82 | ||
Enterprise Value to Revenue 4.61 | 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. is the holding company for Provident Bank. Founded in 1828 as the Provident Institution for Savings, it has evolved into a full-service community bank.
Core Business Areas
- Commercial Banking: Offers commercial real estate loans, commercial and industrial loans, and other business-related financial services to small and medium-sized businesses.
- Retail Banking: Provides deposit accounts, residential mortgage loans, home equity loans, and consumer loans to individuals and families.
Leadership and Structure
David Mansfield serves as the Chairman, President, and CEO. The bank operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for the acquisition, development, and refinancing of commercial properties. Market share data is not publicly available. Competitors include larger regional and national banks, as well as other community banks.
- Residential Mortgages: Provides mortgages to individuals for the purchase or refinance of homes. Market share data is not publicly available. Competitors include national mortgage lenders and other local banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements. Community banks are focused on providing personalized service and local expertise.
Positioning
Provident Bancorp is positioned as a community-focused bank, emphasizing its relationship-based approach and local market knowledge. It differentiates itself through personalized service and quick decision-making.
Total Addressable Market (TAM)
The TAM for community banking in the regions Provident Bancorp serves is substantial, consisting of small businesses and individuals seeking local banking solutions. Provident Bancorp is positioned to capture a share of this TAM through its community focus and relationship banking model.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Strong capital position
- Personalized customer service
Weaknesses
- Limited geographic reach
- Smaller size compared to larger competitors
- Reliance on traditional banking services
- Limited technology investment compared to larger banks
Opportunities
- Expanding into new markets within the region
- Developing new digital banking services
- Acquiring smaller community banks
- Increasing commercial lending activities
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- Independent Bank Corp (INDB)
- Eastern Bankshares Inc (EBC)
- Washington Trust Bancorp, Inc. (WASH)
Competitive Landscape
Provident Bancorp faces competition from larger regional banks with greater resources and brand recognition. Its strength lies in its local market knowledge and personalized service, but it needs to continually adapt to technological changes and evolving customer preferences.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to past financial reports. Data is unavailable.
Future Projections: Future growth projections require analyst estimates and company guidance. Data is unavailable.
Recent Initiatives: Information on recent strategic initiatives is limited without access to company news releases and investor presentations.
Summary
Provident Bancorp is a community-focused bank with a strong emphasis on relationship banking. Its personalized service and local market knowledge are key strengths. However, it faces challenges from larger competitors and the need to invest in technology. Navigating rising interest rates and potential economic downturns will be crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers
- Publicly Available Information
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimates and might not reflect the absolute values.
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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