Provident Bancorp (PVBC) Stock Price, News & Analysis

Company Overview

Provident Bancorp, Inc. (NASDAQ: PVBC) is the bank holding company for Provident Bank, a full‐service financial institution headquartered in Jersey City, New Jersey. Founded in 1839, the company has grown its heritage of community banking into a regional platform offering commercial and consumer financial products. Provident Bancorp operates through its subsidiary network to deliver deposit, lending and wealth management services to individuals, businesses and institutions across its markets.

The company’s core business activities include demand, savings and time deposit accounts, digital banking solutions and cash management services tailored to small and medium‐sized enterprises. On the lending side, Provident Bancorp provides commercial real estate loans, construction and development financing, equipment financing, and small business administration (SBA) loan products. Retail customers can access mortgage and home equity lending, personal lines of credit, credit cards, and auto loans, backed by responsive underwriting and local decision‐making.

In addition to traditional banking services, Provident Bancorp offers investment advisory, trust and fiduciary services through its wealth management division. This segment provides retirement planning, estate administration and portfolio management to high‐net‐worth clients, nonprofit organizations and business owners. The company has also invested in digital capabilities, enhancing its mobile and online platforms to support account opening, electronic payments, remote deposit capture and real‐time financial reporting.

Provident Bancorp primarily serves communities in northern New Jersey and the New York metropolitan area, with a network of branch offices, ATMs and business banking centers. The company is governed by a seasoned board of directors and led by a management team of banking executives with decades of experience in financial services. Together, they focus on fostering long‐term customer relationships, prudent risk management and sustainable growth across their footprint.

Key Stats

• Today's Range: $12.55 to $12.74
• 50-Day Range: $11.01 to $12.95
• 52-Week Range: $9.67 to $13.00
• Volume: 59,667 shs
• Average Volume: 65,972 shs
• Market Capitalization: $224.32 million
• P/E Ratio: 48.50
• Dividend Yield: N/A
• Price Target: $12.50
• Consensus Rating: Hold

Provident Bancorp Stock Analysis - MarketRank™

Provident Bancorp scored higher than 15% of companies evaluated by MarketBeat, and ranked 877th out of 933 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: 1.0 / 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, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Provident Bancorp is 48.50, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 26.53.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Bancorp is 48.50, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Provident Bancorp has a P/B Ratio of 0.97. 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

1.62% 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 1.6, 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 44.43%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Provident Bancorp does not currently pay a dividend.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Provident Bancorp is 15.38%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

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

Percentage of Shares Shorted

1.62% 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 1.6, 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 44.43%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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 at the start of the year. Since then, PVBC stock has increased by 10.6% and is now trading at $12.61.

How were Provident Bancorp's earnings last quarter?

Provident Bancorp, Inc. (NASDAQ:PVBC) released its quarterly earnings results on Friday, April, 25th. The bank reported $0.13 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.22 by $0.09. The bank earned $14.26 million during the quarter, compared to the consensus estimate of $14.90 million. Provident Bancorp had a net margin of 4.75% and a trailing twelve-month return on equity of 1.95%.

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: 4/25/2025
• Today: 7/19/2025
• Next Earnings (Estimated): 8/04/2025
• 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: N/A

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: -0.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.26
• Trailing P/E Ratio: 48.50
• Forward P/E Ratio: 29.33
• P/E Growth: N/A
• Net Income: $7.27 million
• Net Margins: 4.75%
• Pretax Margin: 5.88%
• Return on Equity: 1.95%
• Return on Assets: 0.28%

Debt

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

Sales & Book Value

• Annual Sales: $55.61 million
• Price / Sales: 4.03
• Cash Flow: $0.48 per share
• Price / Cash Flow: 26.52
• Book Value: $13.03 per share
• Price / Book: 0.97

Miscellaneous

• Outstanding Shares: 17,789,000
• Free Float: 16,964,000
• Market Cap: $224.32 million
• Optionable: Optionable
• Beta: 0.31