US · PVBC
Provident Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Amesbury, MA 01913
- Website
- bankprov.com
Price · as of 2024-12-31
—
Market cap 227.72M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $43.28 | — |
| Intrinsic Value(DCF) | $12.17 | — |
| Graham-Dodd Method(GD) | $15.99 | — |
| Graham Formula(GF) | $2.70 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $10.11 | $4.55 | |||
| 2015 | $6.39 | $37.79 | $10.28 | $12.42 | $6.20 |
| 2016 | $8.84 | $27.97 | $11.86 | $15.35 | $14.87 |
| 2017 | $12.78 | $41.17 | $44.60 | $16.89 | $37.61 |
| 2018 | $10.72 | $42.40 | $13.73 | $18.64 | $9.94 |
| 2019 | $9.68 | $34.28 | $13.13 | $15.87 | $16.18 |
| 2020 | $14.42 | $36.87 | $13.05 | $14.99 | $14.89 |
| 2021 | $15.65 | $48.64 | $14.16 | $16.46 | $15.55 |
| 2022 | $7.97 | $29.96 | $9.46 | $4.27 | $0.00 |
| 2023 | $9.83 | $77.82 | $12.95 | $16.67 | $14.08 |
| 2024 | $11.53 | $43.28 | $13.21 | $15.99 | $2.70 |
AI valuation
Our deep-learning model estimates Provident Bancorp, Inc.'s (PVBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $43.28
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$12.17
— upside
Graham-Dodd
$15.99
— upside
Graham Formula
$2.70
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PVBC | Provident Bancorp, Inc. | $12.81 | 227.72M | +238% | -5% | +25% | -79% | 26.53 | 0.83 | 2.05 | 6.90 | — | 0.83 | 57.59% | 9.95% | 7.72% | 3.21% | 7.56% | 0.45% | 0.21 | 0.24 | 0.13 | 0.13 | -11.55 | -3485.00% | -204.00% | 12110.00% | 5.98% | 0.01 | 11.99% | 0.00% | 0.00% | 4.83% | 7.69 | 6.26 | 0.77 | -0.62 |
| BPRN | Princeton Bancorp, Inc. | $32.97 | 222.48M | +430% | -29% | +55% | +15% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| CFFI | C&F Financial Corporation | $70.68 | 228.88M | +373% | +88% | +73% | +128% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| FUNC | First United Corporation | $35.69 | 231.5M | +26% | -22% | -18% | +115% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $12.33 | 222.85M | +468% | +25% | +63% | +69% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| ISTR | Investar Holding Corporat… | $23.88 | 234.64M | +120% | -16% | +4% | +61% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| LCNB | LCNB Corp. | $15.63 | 221.57M | +460% | -6% | +36% | -25% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| MYFW | First Western Financial, … | $23.25 | 225.87M | +19% | +1% | +30% | -25% | 18.30 | 0.91 | 1.30 | 14.64 | 33.88 | 1.03 | 52.50% | 9.65% | 7.08% | 5.09% | 6.26% | 0.43% | 0.41 | 0.21 | 0.03 | 0.03 | 4.88 | 5402.00% | 483.00% | 239.00% | -0.75% | 0.00 | -0.81% | 0.24% | 4.40% | 0.56% | 16.32 | -163.22 | 1.58 | -0.75 |
| OVLY | Oak Valley Bancorp | $28.24 | 236.71M | +74% | +44% | +7% | +12% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| VABK | Virginia National Banksha… | $40.03 | 215.84M | +455% | -22% | +26% | -21% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
| WNEB | Western New England Banco… | $11.79 | 241.6M | +202% | -18% | -22% | -18% | 16.26 | 0.80 | 1.55 | 5.40 | — | 0.85 | 59.79% | 12.19% | 9.50% | 4.93% | 6.27% | 0.45% | 0.52 | 0.30 | 0.10 | 0.10 | 3.76 | -2000.00% | 957.00% | -756.00% | 5.79% | 0.01 | 5.90% | 3.12% | 50.70% | 41.22% | 6.34 | 8.65 | 0.77 | -0.74 |
About Provident Bancorp, Inc.
Provident Bancorp, Inc. operates as the bank holding company for The Provident Bank that provides various financial services to individuals and small businesses in the United States. It offers checking, term certificate, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial real estate, multi-family residential real estate, commercial business, construction and land development, mortgage warehouse, one- to four-family residential, and consumer loans, as well as home equity loans and lines of credit; and invests in securities, and state and municipal bonds. As of December 31, 2021, it 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 was founded in 1828 and is headquartered in Amesbury, Massachusetts.
- CEO
- Joseph B. Reilly
- Employees
- 177
- Beta
- 0.26
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($12.17 ÷ —) − 1 = — (DCF, example).