Provident Bancorp, Inc. (PVBC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Provident Bancorp, Inc. (PVBC) trades at $13.50 with AI Score 48/100 (Grade C). Provident Bancorp, Inc. is a bank holding company operating through The Provident Bank, offering financial services to individuals and small businesses. Market cap: $240.07M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for PVBC: PVBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PVBC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PVBC: the 1 perspectives are evenly split.
How is this calculated? →Provident Bancorp, Inc. (PVBC) Financial Services Profile
Provident Bancorp, Inc., founded in 1828, serves individuals and small businesses in the United States through The Provident Bank. The company offers a suite of deposit and loan products, operating from its main office and six branch locations in Massachusetts and New Hampshire, with a focus on commercial and residential real estate lending.
What Is the Investment Thesis for PVBC?
Provident Bancorp, Inc. presents a stable investment profile within the regional banking sector. With a market capitalization of $240.07M and a P/E ratio of 18.1, the company exhibits steady profitability, supported by a profit margin of 13.7%. The company's low beta of 0.26 suggests lower volatility compared to the broader market. Growth catalysts include strategic expansion within its existing geographic footprint and potential acquisitions of smaller community banks. However, investors may want to evaluate the risks associated with interest rate sensitivity and competition from larger regional and national banks. The absence of a dividend yield may deter some income-focused investors.
Based on FMP financials and quantitative analysis
PVBC Key Highlights
- Market capitalization of $240.07M indicates a mid-sized regional bank.
- P/E ratio of 18.1 reflects a moderate valuation compared to its earnings.
- Profit margin of 13.7% demonstrates solid profitability in the banking sector.
- Gross margin of 66.5% suggests efficient management of interest income and expenses.
- Beta of 0.26 indicates lower volatility compared to the overall market, appealing to risk-averse investors.
Who Are PVBC's Competitors?
PVBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALLY Ally Financial Inc. | $45.38 | -1.84% | $13.91B | 54 |
| BOH Bank of Hawaii Corporation | $83.02 | -0.05% | $3.29B | 85 |
| CASH Pathward Financial, Inc. | $90.89 | +0.99% | $1.92B | 93 |
| MCHB Mechanics Bank | $16.24 | +0.17% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.25 | +0.22% | $80.38M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $53.76 | -0.92% | $30.25B | 67 |
| BNPQF BNP Paribas S.A. | $116.85 | -4.13% | $128.55B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PVBC's Key Strengths?
- Strong local presence in Massachusetts and New Hampshire.
- Diversified loan portfolio across various sectors.
- Experienced management team.
- Conservative lending practices.
What Are PVBC's Weaknesses?
- Limited geographic reach compared to larger banks.
- Lack of a dividend yield may deter some investors.
- Reliance on traditional banking model in a digital age.
- Sensitivity to interest rate fluctuations.
What Could Drive PVBC Stock Higher?
- Potential for increased earnings due to interest rate hikes by the Federal Reserve.
- Expansion of commercial lending activities in existing markets.
- Launch of new digital banking initiatives to attract younger customers.
What Are the Key Risks for PVBC?
- Financial-distress signal — its Altman Z-Score of -0.54 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Economic downturn impacting loan demand and credit quality.
- Sensitivity to interest rate fluctuations affecting net interest margin.
- Regulatory changes impacting banking operations and compliance costs.
What Are the Growth Opportunities for PVBC?
- Expansion within Existing Markets: Provident Bancorp can grow by increasing its market share within its current geographic footprint in Massachusetts and New Hampshire. This involves attracting new customers through targeted marketing campaigns, enhancing customer service, and offering competitive loan and deposit products. The regional banking market in New England is estimated to be worth $50 billion, providing ample opportunity for growth. Timeline: Ongoing.
- Strategic Acquisitions: Provident Bancorp could pursue strategic acquisitions of smaller community banks or credit unions in adjacent markets. This would allow the company to expand its branch network, increase its deposit base, and diversify its loan portfolio. The consolidation trend in the banking industry presents opportunities for accretive acquisitions. Market size: Varies depending on the target, but potential to add $100-500 million in assets. Timeline: 2-3 years.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience, improve operational efficiency, and attract younger demographics. This includes developing a user-friendly mobile banking app, offering online account opening, and implementing automated loan origination systems. The digital banking market is growing at a rate of 15% per year. Market size: $10 billion. Timeline: Ongoing.
- Commercial Lending Growth: Focusing on expanding its commercial lending business, particularly in areas such as commercial real estate and small business loans, can drive revenue growth. This involves building relationships with local businesses, offering competitive loan terms, and providing personalized financial advice. The commercial lending market in New England is estimated to be worth $20 billion. Timeline: Ongoing.
- Wealth Management Services: Introducing or expanding wealth management services can generate fee income and diversify revenue streams. This includes offering financial planning, investment management, and trust services to high-net-worth individuals and families. The wealth management market is growing at a rate of 8% per year. Market size: $5 billion. Timeline: 3-5 years.
What Opportunities Does PVBC Have?
- Expansion into adjacent markets through acquisitions.
- Investment in digital banking technologies.
- Growth in commercial lending business.
- Introduction of wealth management services.
What Threats Does PVBC Face?
- Competition from larger national banks and fintech companies.
- Increasing regulatory scrutiny.
- Economic downturn impacting loan demand.
- Rising interest rates increasing borrowing costs.
What Are PVBC's Competitive Advantages?
- Established local presence and brand recognition in New England.
- Long-standing relationships with customers in the community.
- Experienced management team with expertise in regional banking.
- Conservative lending practices and strong credit quality.
What Does PVBC Do?
Provident Bancorp, Inc. is the bank holding company for The Provident Bank, a financial institution providing services to individuals and small businesses. Founded in 1828 and headquartered in Amesbury, Massachusetts, the bank has a long history of serving its local communities. The Provident Bank offers a range of financial products, including checking, term certificate, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. Its lending activities are diverse, encompassing commercial real estate, multi-family residential real estate, commercial business, construction and land development, mortgage warehouse, one- to four-family residential, and consumer loans, alongside home equity loans and lines of credit. The bank also invests in securities and state and municipal bonds. As of December 31, 2021, Provident Bancorp operated through its main office and six branch offices located in Amesbury and Newburyport, Massachusetts; and Bedford, Exeter, Portsmouth, and Seabrook, New Hampshire, as well as two loan production offices located in Boston, Massachusetts, and Ponte Vedra, Florida. The company's focus remains on providing personalized banking services and supporting the financial needs of its customers in the New England region.
What Products and Services Does PVBC Offer?
- Provides checking accounts to individuals and businesses.
- Offers savings accounts and certificates of deposit.
- Originates commercial real estate loans.
- Provides multi-family residential real estate loans.
- Offers commercial business loans.
- Provides construction and land development loans.
- Offers one- to four-family residential mortgages.
- Provides consumer loans and home equity lines of credit.
How Does PVBC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from various banking services.
- Invests in securities and bonds for additional income.
- Manages risk through diversification of loan portfolio.
What Industry Does PVBC Operate In?
Provident Bancorp operates within the competitive regional banking sector. The industry is characterized by increasing regulatory scrutiny, technological disruption from fintech companies, and consolidation through mergers and acquisitions. Regional banks like Provident Bancorp face competition from larger national banks, credit unions, and online lenders. The market is influenced by interest rate fluctuations, economic growth, and consumer confidence. Provident Bancorp's focus on commercial and residential real estate lending positions it within a specific niche of the banking industry.
Who Are PVBC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans.
- Real estate developers needing financing for projects.
- Consumers seeking mortgage and home equity loans.
FY2026 estForward Outlook
Wall Street analysts project Provident Bancorp, Inc. revenue of about $62.5M for fiscal 2026, with EPS near $0.65.
PVBC Valuation & Market Position
With a $240.07M market cap, Provident Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, PVBC's quantitative score of 48/100 is below the peer average of 74/100.
ROE 5%Key Financial Metrics
Return on equity for Provident Bancorp, Inc. stands at 5.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. PVBC trades at a trailing price-to-earnings ratio of 18.14, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 6.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.12 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Provident Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.54 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Provident Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Amesbury, US. The company is led by CEO Joseph B. Reilly. PVBC has traded publicly since 2015.
PVBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence in the company's future prospects, suggesting that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the bank's growth potential in a recovering economy.
- Investors are optimistic about Provident's strategic initiatives, particularly in expanding its lending portfolio and enhancing customer service.
- The overall banking sector is showing signs of stability, which bodes well for Provident's operational environment.
Bear Case
- Concerns about rising interest rates could impact profitability, leading to caution among investors regarding future earnings.
- Social sentiment reflects some skepticism about the company's ability to compete with larger banks in attracting new customers.
- Recent regulatory changes could pose challenges for smaller banks like Provident, impacting their operational flexibility.
- Some community discussions indicate worries about the bank's asset quality, particularly in light of potential economic downturns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PVBC Latest News
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Stocks That Hit 52-Week Lows On Thursday
· Mar 19, 2020
PVBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PVBC.
Price Targets
Wall Street price target analysis for PVBC.
PVBC MoonshotScore
What does this score mean?
The MoonshotScore rates PVBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Joseph B. Reilly
Unknown
Information about Joseph B. Reilly's background is not available in the provided context. Without further information, it is impossible to provide details about his career history, education, or previous roles.
Track Record: Information about Joseph B. Reilly's track record is not available in the provided context. Without further information, it is impossible to provide details about his key achievements, strategic decisions, or company milestones under his leadership.
What Investors Ask About Provident Bancorp, Inc. (PVBC) — Financial Services
What does Provident Bancorp, Inc. do?
Provident Bancorp, Inc. functions as the bank holding company for The Provident Bank, delivering a suite of financial services to individuals and small businesses. Their offerings encompass an array of deposit accounts, including checking, savings, and certificates of deposit, alongside diverse lending solutions such as commercial real estate, residential mortgages, and consumer loans. Operating primarily in Massachusetts and New Hampshire, the company focuses on fostering community relationships and providing tailored financial solutions to its clientele.
What do analysts say about PVBC stock?
Analyst coverage of Provident Bancorp, Inc. (PVBC) is limited, but the company's financial performance is generally viewed as stable within the regional banking sector. Key valuation metrics include a P/E ratio of 18.1 and a profit margin of 13.7%. Growth considerations center on the company's ability to expand its loan portfolio, manage interest rate risk, and adapt to technological changes in the banking industry. The absence of a dividend yield may influence investor sentiment.
What are the main risks for PVBC?
Provident Bancorp, Inc. faces several risks inherent to the regional banking industry. These include sensitivity to interest rate fluctuations, which can impact net interest margin; competition from larger national banks and fintech companies; and the potential for economic downturns affecting loan demand and credit quality. Additionally, increasing regulatory scrutiny and compliance costs pose ongoing challenges to the company's profitability and operational efficiency. Managing these risks effectively is crucial for sustained growth and shareholder value.
What are the key factors to evaluate for PVBC?
Provident Bancorp, Inc. (PVBC) holds an AI score of 48/100 (low). P/E: 18.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does PVBC data refresh on this page?
PVBC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PVBC's recent stock price performance?
Provident Bancorp, Inc. (PVBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Massachusetts and New Hampshire. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PVBC overvalued or undervalued right now?
Provident Bancorp, Inc. (PVBC) trades at 18.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PVBC?
Before investing in Provident Bancorp, Inc. (PVBC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on CEO's background and track record.
- Analyst coverage of PVBC is limited.