Provident Bancorp (PVBC) Stock Price, News & Analysis

Company Overview

Provident Bancorp (NASDAQ: PVBC) is the bank holding company for Provident Bank, a financial institution headquartered in Jersey City, New Jersey. Through its subsidiary, the company offers a full range of banking and wealth management services to consumers, small businesses and commercial clients. Its core activities include deposit-taking, commercial and consumer lending, treasury and cash management, as well as trust and investment advisory services.

The company’s lending portfolio encompasses commercial real estate loans, construction financing, small business loans, equipment leasing and residential mortgage products. On the deposit side, Provident Bancorp provides checking and savings accounts, money market accounts, certificates of deposit and online banking solutions. Its wealth management division offers customized investment strategies, retirement planning and fiduciary services through trust and brokerage platforms.

Provident Bancorp serves markets across New Jersey, eastern Pennsylvania and Connecticut, operating a network of full-service branches and ATMs in both suburban and urban communities. The company has invested in digital banking technology to support mobile and online channels, enabling customers to manage accounts, make payments and access financial planning tools remotely.

Tracing its roots to a mutual savings institution founded in 1839, Provident Bank converted to a stock-owned company in the 1950s and later established Provident Bancorp as its holding company. Over time, strategic branch openings and targeted acquisitions have expanded its regional footprint. The company’s executive leadership has overseen initiatives to modernize its technology infrastructure and strengthen customer service capabilities in an increasingly competitive banking landscape.

Key Stats

• Today's Range: $12.43 to $12.57
• 50-Day Range: $12.14 to $12.97
• 52-Week Range: $10.09 to $13.02
• Volume: 24,105 shs
• Average Volume: 32,657 shs
• Market Capitalization: $222.07 million
• P/E Ratio: 19.83
• Dividend Yield: N/A
• Price Target: $12.50
• Consensus Rating: Hold

Provident Bancorp Stock Analysis - MarketRank™

Provident Bancorp scored higher than 24% of companies evaluated by MarketBeat, and ranked 827th out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Provident Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Provident Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Provident Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Provident Bancorp is 19.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 232.13.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Bancorp is 19.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 39.91.

Price to Book Value per Share Ratio

Provident Bancorp has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.83% of the float of Provident Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Provident Bancorp has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Provident Bancorp has recently increased by 3.43%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Provident Bancorp does not currently pay a dividend.

Dividend Growth

Provident Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.83% of the float of Provident Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Provident Bancorp has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Provident Bancorp has recently increased by 3.43%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: N/A

News Sentiment

Provident Bancorp has a news sentiment score of 0.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Provident Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Provident Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.64% of the stock of Provident Bancorp is held by insiders.

Percentage Held by Institutions

74.61% of the stock of Provident Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PVBC Stock Analysis - Frequently Asked Questions

How have PVBC shares performed this year?

Provident Bancorp's stock was trading at $11.40 on January 1st, 2025. Since then, PVBC stock has increased by 9.6% and is now trading at $12.49.

How were Provident Bancorp's earnings last quarter?

Provident Bancorp, Inc. (NASDAQ:PVBC) issued its earnings results on Thursday, July, 24th. The bank reported $0.17 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.12 by $0.05. The bank had revenue of $15.76 million for the quarter, compared to analysts' expectations of $15 million. Provident Bancorp had a trailing twelve-month return on equity of 4.56% and a net margin of 11.26%.

How do I buy shares of Provident Bancorp?

Shares of PVBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Provident Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Provident Bancorp investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), JPMorgan Chase & Co. (JPM), Broadcom (AVGO) and Tesla (TSLA).

Company Calendar

• Last Earnings: 7/24/2025
• Today: 10/05/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PVBC
• CIK: 1635840
• Web: www.theprovidentbank.com
• Phone: 978-834-8555
• Fax: N/A
• Employees: 180
• Year Founded: 1956

Price Target and Rating

• Average Price Target for Provident Bancorp: $12.50
• High Price Target: $12.50
• Low Price Target: $12.50
• Potential Upside/Downside: +0.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.63
• Trailing P/E Ratio: 19.83
• Forward P/E Ratio: 29.05
• P/E Growth: N/A
• Net Income: $7.27 million
• Net Margins: 11.26%
• Pretax Margin: 15.04%
• Return on Equity: 4.56%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 1.11
• Quick Ratio: 1.11

Sales & Book Value

• Annual Sales: $95.37 million
• Price / Sales: 2.33
• Cash Flow: $0.48 per share
• Price / Cash Flow: 26.15
• Book Value: $13.03 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 17,780,000
• Free Float: 16,959,000
• Market Cap: $222.07 million
• Optionable: Optionable
• Beta: 0.33