/PVBC
PVBC Stock - Provident Bancorp, Inc.
Financial Services|Banks - RegionalNASDAQ
$13.50+3.05%
+$0.40 (+3.05%) • Nov 14
59
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.76
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).28
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-11.1%upside
Target: $12.00
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ENTRY ZONE$13.37 – $13.63
TARGET (TP)$12.00
STOP LOSS$12.42
RISK/REWARD1:-1.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.26
52W High$13.75
52W Low$10.38
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $94.24M | $96.20M | $84.55M | $69.27M | $63.95M |
| Gross Profit | $54.27M | $64.76M | $23.82M | $62.01M | $52.42M |
| Gross Margin | 57.6% | 67.3% | 28.2% | 89.5% | 82.0% |
| Operating Income | $9.38M | $14.78M | $-27,258,000 | $22.09M | $16.61M |
| Net Income | $7.27M | $10.95M | $-21,468,000 | $16.14M | $11.98M |
| Net Margin | 7.7% | 11.4% | -25.4% | 23.3% | 18.7% |
| EPS | $0.43 | $0.66 | $-1.30 | $0.96 | $0.66 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
0%
Hold / Neutral
1
100%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
0 Bullish1 Neutral/Bearish
Price Targets
$12
Average Target
↓ 11.1% Downside
Now
$12
Low
$12
Average
$12
High
Based on 1 analyst
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 16th 2022 | Stephens | Downgrade | Equal Weight | $12← $18 |
Earnings History & Surprises
PVBCBeat Rate
57%
Last 14 quarters
Avg Surprise
-9.1%
EPS vs Estimate
Beats / Misses
8/6
Last 12 quarters
Latest EPS
$0.16
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
+328.6%
$0.30vs$0.07
Q3 24
-500.0%
$-0.20vs$0.05
Q4 24
-42.9%
$0.04vs$0.07
Q1 25
No data
Q2 25
-40.9%
$0.13vs$0.22
Q3 25
+41.7%
$0.17vs$0.12
Q4 25
+23.1%
$0.16vs$0.13
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 23, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | — | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.13 | $0.16 | +23.1% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.12 | $0.17 | +41.7% | ✓ BEAT |
Q2 2025 | Apr 25, 2025 | $0.22 | $0.13 | -40.9% | ✗ MISS |
Q1 2025 | Mar 31, 2025 | — | $0.29 | — | — |
Q4 2024 | Oct 24, 2024 | $0.07 | $0.04 | -42.9% | ✗ MISS |
Q3 2024 | Jul 29, 2024 | $0.05 | $-0.20 | -500.0% | ✗ MISS |
Q2 2024 | Apr 25, 2024 | $0.07 | $0.30 | +328.6% | ✓ BEAT |
Q1 2024 | Mar 28, 2024 | — | $0.18 | — | — |
Q4 2023 | Oct 26, 2023 | $0.12 | $0.15 | +25.0% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $0.14 | $0.21 | +50.0% | ✓ BEAT |
Q2 2023 | May 1, 2023 | $0.16 | $0.13 | -18.8% | ✗ MISS |
Q1 2023 | Mar 31, 2023 | — | $0.16 | — | — |
Q1 2023 | Jan 27, 2023 | $0.30 | $0.16 | -46.7% | ✗ MISS |
Q3 2022 | Jul 28, 2022 | $0.27 | $0.33 | +22.2% | ✓ BEAT |
Q2 2022 | Apr 28, 2022 | $0.26 | $0.32 | +23.1% | ✓ BEAT |
Q1 2022 | Mar 24, 2022 | — | $0.21 | — | — |
Q4 2021 | Oct 28, 2021 | $0.23 | $0.30 | +30.4% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $0.23 | $0.18 | -21.7% | ✗ MISS |
Latest News
NB Bancorp, Provident Bancorp Anticipate Merger To Be Completed On Nov. 15
📈 PositiveBenzinga•Nov 13, 2025, 01:42 PM•Also:
NB Bancorp And Provident Bancorp Confirm Election Deadline For Merger Consideration And Expected Closing Date; Provident Stockholders Must Elect Merger Consideration By November 7
📈 PositiveBenzinga•Oct 31, 2025, 08:15 PM•Also:
Provident Bancorp Q3 EPS $0.16 Beats $0.13 Estimate, Sales $14.744M Miss $15.200M Estimate
➖ NeutralBenzinga•Oct 23, 2025, 09:19 PM
NB Bancorp And Provident Bancorp Receive Final Regulatory Approvals For Merger, Expected To Close By November 14, 2025
📈 PositiveBenzinga•Oct 20, 2025, 08:36 PM•Also:
Frequently Asked Questions about PVBC
What is PVBC's current stock price?
Provident Bancorp, Inc. (PVBC) is currently trading at $13.50 per share. The stock has moved +3.05% today.
What is the analyst price target for PVBC?
The average analyst price target for PVBC is $12.00, based on 1 analyst.
What sector is Provident Bancorp, Inc. in?
Provident Bancorp, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is PVBC's market cap?
Provident Bancorp, Inc. has a market capitalization of $0.24 billion, making it a small-cap company.
Does PVBC pay dividends?
No, Provident Bancorp, Inc. does not currently pay a dividend to shareholders.
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