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5-day change | 1st Jan Change | ||
9.16 USD | +2.98% | +6.02% | -9.04% |
Apr. 25 | Earnings Flash (PVBC) PROVIDENT BANCORP Reports Q1 EPS $0.30 | MT |
Apr. 25 | Provident Bancorp, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 | CI |
Valuation
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Capitalization 1 | 242.6 | 217.2 | 325.1 | 126.8 | 176.3 | 160.3 | - |
Enterprise Value (EV) 1 | 242.6 | 217.2 | 325.1 | 126.8 | 176.3 | 160.3 | 160.3 |
P/E ratio | 20.8 x | 18.2 x | 20 x | -5.6 x | 15.3 x | 36.6 x | 20.8 x |
Yield | - | 0.75% | 0.81% | 1.65% | - | - | - |
Capitalization / Revenue | 5.59 x | 3.99 x | 5.29 x | 1.56 x | 2.7 x | 2.66 x | 2.47 x |
EV / Revenue | 5.59 x | 3.99 x | 5.29 x | 1.56 x | 2.7 x | 2.66 x | 2.47 x |
EV / EBITDA | - | - | - | - | - | - | - |
EV / FCF | - | - | - | - | - | - | - |
FCF Yield | - | - | - | - | - | - | - |
Price to Book | - | 0.97 x | 1.42 x | - | - | - | - |
Nbr of stocks (in thousands) | 19,484 | 18,099 | 17,479 | 17,421 | 17,503 | 17,503 | - |
Reference price 2 | 12.45 | 12.00 | 18.60 | 7.280 | 10.07 | 9.160 | 9.160 |
Announcement Date | 1/23/20 | 1/28/21 | 1/27/22 | 1/27/23 | 1/25/24 | - | - |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net sales 1 | 43.39 | 54.47 | 61.43 | 81.18 | 65.23 | 60.2 | 64.8 |
EBITDA | - | - | - | - | - | - | - |
EBIT | - | 22.21 | 25.98 | - | - | - | - |
Operating Margin | - | 40.77% | 42.29% | - | - | - | - |
Earnings before Tax (EBT) 1 | 14.62 | 16.61 | 22.09 | - | 14.78 | 5.4 | 9.7 |
Net income 1 | 10.81 | 11.98 | 16.14 | -21.47 | 10.95 | 4.1 | 7.3 |
Net margin | 24.91% | 22% | 26.27% | -26.45% | 16.79% | 6.81% | 11.27% |
EPS 2 | 0.6000 | 0.6600 | 0.9300 | -1.300 | 0.6600 | 0.2500 | 0.4400 |
Free Cash Flow | - | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - | - |
Dividend per Share 2 | - | 0.0900 | 0.1500 | 0.1200 | - | - | - |
Announcement Date | 1/23/20 | 1/28/21 | 1/27/22 | 1/27/23 | 1/25/24 | - | - |
Income Statement Evolution (Quarterly data)
Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net sales 1 | 15.5 | 16.42 | 17.92 | 18.6 | 21.09 | 20.68 | 17.76 | 16.6 | 15.65 | 15.21 | 13.84 | 14.9 | 15.2 | 15.3 | 15.5 |
EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBIT | 5.436 | 5.83 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Margin | 35.06% | 35.51% | - | - | - | - | - | - | - | - | - | - | - | - | - |
Earnings before Tax (EBT) 1 | 7.027 | 4.597 | 7.751 | 7.809 | -47.26 | 4.447 | 2.773 | 4.92 | 3.094 | 3.99 | 6.688 | 1.5 | 1.3 | 1 | 1.7 |
Net income 1 | 5.087 | 3.589 | 5.525 | 5.619 | -35.31 | 2.697 | 2.103 | 3.461 | 2.466 | 2.924 | 4.981 | 1.2 | 0.9 | 0.8 | 1.3 |
Net margin | 32.81% | 21.86% | 30.82% | 30.2% | -167.39% | 13.04% | 11.84% | 20.84% | 15.75% | 19.22% | 35.98% | 8.05% | 5.92% | 5.23% | 8.39% |
EPS 2 | 0.3000 | 0.2100 | 0.3200 | 0.3300 | -2.150 | 0.1600 | 0.1300 | 0.2100 | 0.1500 | 0.1800 | 0.3000 | 0.0700 | 0.0600 | 0.0500 | 0.0700 |
Dividend per Share 2 | 0.0400 | 0.0400 | 0.0400 | 0.0400 | 0.0400 | - | - | - | - | - | - | - | - | - | - |
Announcement Date | 10/28/21 | 1/27/22 | 4/28/22 | 7/28/22 | 1/17/23 | 1/27/23 | 5/1/23 | 7/27/23 | 10/26/23 | 1/25/24 | 4/25/24 | - | - | - | - |
Balance Sheet Analysis
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net Debt | - | - | - | - | - | - | - |
Net Cash position | - | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | - | 5.05% | 6.86% | -9.26% | 5.1% | 1.8% | 3.2% |
ROA (Net income/ Total Assets) | - | 0.89% | 1.02% | -1.24% | 0.66% | 0.24% | 0.41% |
Assets 1 | - | 1,347 | 1,582 | 1,731 | 1,660 | 1,708 | 1,780 |
Book Value Per Share | - | 12.40 | 13.10 | - | - | - | - |
Cash Flow per Share | - | - | - | - | - | - | - |
Capex | - | - | - | - | - | - | - |
Capex / Sales | - | - | - | - | - | - | - |
Announcement Date | 1/23/20 | 1/28/21 | 1/27/22 | 1/27/23 | 1/25/24 | - | - |
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
EPS Revisions
1st Jan change | Capi. | |
---|---|---|
-9.04% | 160M | |
+12.79% | 551B | |
+9.71% | 291B | |
+10.73% | 249B | |
+20.93% | 208B | |
+15.77% | 171B | |
+10.32% | 166B | |
+11.03% | 162B | |
-10.26% | 138B | |
-0.02% | 138B |
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- Financials Provident Bancorp, Inc.