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Provident Bancorp Inc. (MD) (PVBC) Key Ratios

Stock Card factsheet share-fund-plan-icon

$13.50

up-down-arrow $0.40 (3.05%)

As on 14-Nov-2025 16:04EDT

Market cap

info icon

$240 Mln

Revenue (TTM)

info icon

$92 Mln

P/E Ratio

info icon

18.2

P/B Ratio

info icon

1

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -2.53 -4.88 -3.49 4.86 8.51
EBIT -7.84 339.62 145.02 -5.47 3.93
Net Profit -5.45 272.91 136.14 37.68 4.16
EPS -5.61 269.14 133.42 38.55 5.68
Book Value -- -- 3.07 0.23 1.48
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-24Dec-23
EBIT-Margin info -2.3110.1918.609.9515.36
Net Margin info ----13.70----
Return on equity info -0.472.125.283.215.10
Return on Capital info -0.541.89--2.383.27
Return on Assets info -0.060.350.720.450.66
Debt to Equity (x) info ----0.020.210.49

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
2.38
3.27
-7.27
6.39
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

5.28

Lower than Peers by 4.58

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
5.28
3.21
5.10
-9.73
6.87
Peer Median
9.87
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.72

Lower than Peers by 0.24

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.72
0.45
0.66
-1.28
1.00
Peer Median
0.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

18.60

Lower than Peers by 2.20

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
18.60
9.95
15.36
-32.24
31.89
Peer Median
20.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

13.70

Lower than Peers by 6.33

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
13.70
7.72
11.39
-25.39
23.30
Peer Median
20.03
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

Higher than Peers by 0.00

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.00
--
--
--
--
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-3.49

Lower than Peers by 14.60

Year on year growth in net sales

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
-3.49
-0.02
0.14
0.22
0.08
Peer Median
11.10
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

145.02

Higher than Peers by 156.52

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
145.02
-36.52
154.21
-223.38
33.01
Peer Median
-11.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

136.14

Higher than Peers by 128.86

Year on year growth in profit after tax

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
136.14
-33.62
151.02
-233.02
34.66
Peer Median
7.27
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

133.42

Higher than Peers by 127.64

Year on year growth in earnings per share

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
133.42
-0.34
1.51
-2.38
0.41
Peer Median
5.78
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

5.50

Lower than Peers by 3.27

Year on year growth in book value per share

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
5.50
--
--
--
--
Peer Median
8.77
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

0.02

Lower than Peers by 0.19

Total debt / Net worth

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.02
0.21
0.49
0.63
0.08
Peer Median
0.21
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.01

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.01
0.15
0.43
0.52
0.00
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

0.12

Lower than Peers by 0.18

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.12
0.13
0.18
0.08
0.13
Peer Median
0.31
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

0.12

Lower than Peers by 0.23

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.12
--
0.17
-0.87
0.24
Peer Median
0.36
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.51

Lower than Peers by 0.23

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
1.51
0.24
0.46
-6.34
6.56
Peer Median
1.75
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

4.60

Lower than Peers by 2.30

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
4.60
5.62
6.33
7.80
8.23
Peer Median
6.90
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.05

Higher than Peers by 0.00

Sales / Average Total Assets

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
0.05
0.06
0.06
0.05
0.04
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
22.06
24.08
26.57
31.83
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
147.22
7,775.15
3,500.48
-6,266.38
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
--
14,861.59
8,238.73
67,879.10
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
--
-7,062.36
-4,711.68
-74,113.64
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

18.24

Higher than Peers by 5.45

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
18.24
26.44
15.34
-5.63
19.80
Peer Median
12.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.00

Lower than Peers by 0.33

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
1.00
0.83
0.76
0.58
1.37
Peer Median
1.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
--
--
--
--
Peer Median
2.48
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
--
-6.70
1.77
-5.46
6.38
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

240

Lower than Peers by 74

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-24
Dec-23
Dec-22
Dec-21
Provident Bancorp Inc. (MD) (PVBC)
240
--
--
--
--
Peer Median
314
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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