Provident Bancorp, Inc. /MD/

PVBC

Provident Bancorp, Inc. /MD/

PVBC

Insider Sentiment (TTM):

Last Purchase:2024-11-11Last Sale:2024-06-04Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2025-11-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Assets
Cash And Due From Banks	19	22	21	28	30	19	21	22	22	32	28	43
Short Term Investments	110	107	104	142	109	152	170	198	344	266	217	38
Cash Cash Equivalents And Short Term Investments	129	129	125	169	139	172	191	220	366	298	244	81
Debt Securities Available For Sale Excluding Accru…	24	25	25	26	27	27	28	29	26	28	29	29
Federal Home Loan Bank Stock	1	2	3	3	4	5	4	4	4	3	3	4
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	1,314	1,334	1,323	1,416
Notes Receivable Gross	-	-	-	-	1,409	1,370	1,357	-	-	-	-	-
Financing Receivable Excluding Accrued Interest Be…	1,271	1,314	1,332	1,327	-	-	-	1,343	-	-	-	-
Financing Receivable Allowance For Credit Loss Exc…	-20	-21	-21	-21	-22	-20	-16	-22	24	-	-	28
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	28
Financing Receivable Allowance For Credit Losses	-	-	-	-	-22	-20	-16	-	-	24	25	-
Notes Receivable Net	-	-	-	-	1,387	1,349	1,341	1,321	-	-	-	1,416
Financing Receivable Excluding Accrued Interest Af…	1,251	1,293	1,311	1,306	-	-	-	1,321	-	-	-	-
Bank Owned Life Insurance	47	47	46	46	46	45	45	45	44	44	44	44
Property Plant And Equipment Net	10	10	10	10	10	13	13	13	13	13	13	14
Other Foreclosed Assets	-	-	-	-	-	-	-	-	-	-	-	6
Interest Receivable	4	5	5	5	5	6	6	6	6	5	6	7
Operating Lease Right Of Use Asset	5	5	3	3	3	4	4	4	4	4	4	4
Deferred Income Tax Assets Net	12	13	13	14	15	14	13	14	16	16	16	17
Other Assets	8	12	12	11	12	11	15	14	16	17	20	16
Assets	1,492	1,541	1,554	1,593	1,648	1,647	1,659	1,670	1,808	1,762	1,702	1,636
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	280	288	302	352	318	312	310	309	385	404	461	520
Interest Bearing Deposit Liabilities	952	970	882	957	970	953	1,022	1,022	1,104	1,044	943	759
Deposits	1,232	1,258	1,185	1,309	1,288	1,265	1,332	1,331	1,490	1,448	1,404	1,280
Debt Longterm And Shortte…
Short Term Borrowings	3	25	118	35	115	138	80	95	80	70	50	109
Long Term Debt	4	9	10	10	10	10	10	10	10	10	18	18
Debt Longterm And Shortterm Combined Amount	7	34	128	45	125	148	90	105	90	80	68	127
Operating Lease Liability	6	6	4	4	4	4	4	4	4	4	4	4
Loss Contingency Accrual At Carrying Value	0	0	-	-	-	-	-	-	-	-	-	-
Other Liabilities	5	5	4	5	5	6	6	8	7	14	14	18
Liabilities	1,251	1,304	1,320	1,362	1,422	1,422	1,432	1,448	1,591	1,547	1,491	1,429
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	-	0	-	-	-	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	127	126	126	125	125	125	124	124	124	123	123	123
Retained Earnings Accumulated Deficit	121	119	116	114	109	108	111	106	103	101	97	95
Accumulated Other Comprehensive Income Loss Net Of…	-1	-2	-1	-2	-1	-2	-2	-1	-2	-2	-2	-2
Deferred Compensation Equity	-6	-6	-6	-6	-7	-7	-7	-7	-7	-8	-8	-8
Stockholders Equity	241	237	234	231	226	224	227	222	218	215	211	208
Liabilities And Stockholders Equity	1,492	1,541	1,554	1,593	1,648	1,647	1,659	1,670	1,808	1,762	1,702	1,636
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	-	-	-	-
Preferred Stock Shares Authorized	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	18	18	18	18	18	18	18	18	18	18	18	18
Shares Outstanding	18	18	18	18	18	18	18	18	18	18	18	18

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	1.33%	9.88%	12.90%	1.74%	-1.11%	0.95%	-	-	-	-	-	-
2024	0.32%	7.26%	24.84%	8.99%	5.63%	2.37%	4.24%	0.36%	5.69%	-1.74%	-4.09%	3.14%
2023	9.99%	17.54%	29.42%	2.16%	-0.10%	1.75%	5.33%	12.74%	9.81%	-14.40%	3.30%	5.49%
2022	-	-	-	-	-	-	19.15%	5.28%	-11.23%	4.68%	18.57%	19.30%
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Performance and Valuation Metrics

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Metrics	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31
Leverage & Debt
Interest Coverage TTM	150.38	116.98	45.94	1.97	1.35	1.32	1.51	1.46	1.62	-1.19	-2.76	-5.34
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	5,807.03	6,098.06	6,181.90	6,556.38
Receivables Turnover TTM	-	-	-	-	-	-	-	-	0.06	0.06	0.06	0.06
Per Share Metrics
Diluted EPS TTM	0.73	0.62	0.26	0.43	0.32	0.42	0.83	0.66	0.64	-1.63	-1.51	-1.30
Free Cash Flow Per Share TTM	0.95	0.84	0.97	0.69	0.73	0.31	0.34	0.31	0.21	1.16	0.98	1.31
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.04	0.08	0.12
Margin Metrics
Gross Profit Margin TTM	61.67%	60.00%	57.82%	56.44%	50.72%	51.91%	54.56%	59.09%	72.20%	81.22%	89.47%	94.58%
Operating Profit Margin TTM	19.73%	16.18%	6.28%	10.49%	7.73%	10.14%	20.38%	16.36%	17.36%	-41.21%	-39.55%	-34.36%
Net Profit Margin TTM	14.54%	12.11%	5.07%	8.13%	5.91%	7.79%	15.08%	12.13%	12.22%	-31.74%	-30.54%	-27.06%
Growth Metrics
Net Revenue Growth (1Y)	-3.99%	-3.61%	-4.04%	-0.93%	2.45%	6.42%	12.52%	13.83%	16.42%	20.03%	20.99%	22.41%
Net Income Growth (1Y)	136.14%	49.96%	-67.76%	-33.62%	-50.47%	-126.11%	-155.57%	-151.02%	-152.13%	-236.47%	-243.32%	-233.02%
EPS Growth (1Y)	134.05%	48.60%	-68.05%	-34.18%	-50.90%	-125.90%	-155.11%	-150.71%	-151.67%	-235.58%	-243.21%	-235.36%
Calculated Values
Free Cash Flow TTM	16.01M	14.21M	16.23M	11.53M	12.17M	5.25M	5.74M	5.21M	3.50M	19.22M	16.22M	21.64M
Net Debt	-11.91M	12.80M	106.09M	17.03M	95.04M	128.44M	-101.19M	-115.64M	-276.64M	-218.10M	-175.88M	46.20M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-11-11Purchase

Owner: Pollack, Dennis

Title: -

Shares: 5,000

Price/Share: $11.64

Value: $58,200.00

Shares Owned: 47,721

Relationship: Director

Ownership: Direct

2024-09-10Purchase

Owner: Pollack, Dennis

Title: -

Shares: 1,950

Price/Share: $10.30

Value: $20,085.00

Shares Owned: 37,721

Relationship: Director

Ownership: Direct

2024-06-14Purchase

Owner: Fisher, Kenneth R

Title: EVP and CFO

Shares: 5,000

Price/Share: $9.61

Value: $48,050.00

Shares Owned: 5,000

Relationship: Officer

Ownership: Direct

2024-06-07Purchase

Owner: Pollack, Dennis

Title: -

Shares: 1,075

Price/Share: $10.15

Value: $10,911.25

Shares Owned: 25,561

Relationship: Director

Ownership: Direct

2024-06-04Sale

Owner: Stilwell, Value Llc, Stil…

Title: -

Shares: 75,000

Price/Share: $9.62

Value: $721,500.00

Shares Owned: 271,014

Relationship: TenPercentOwner

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-11-11	Pollack, Dennis	Director	-	Direct	Purchase	5,000	11.64	$58,200.00	47,721	4
2024-09-10	Pollack, Dennis	Director	-	Direct	Purchase	1,950	10.30	$20,085.00	37,721	4
2024-06-14	Fisher, Kenneth R	Officer	EVP and CFO	Direct	Purchase	5,000	9.61	$48,050.00	5,000	4
2024-06-07	Pollack, Dennis	Director	-	Direct	Purchase	1,075	10.15	$10,911.25	25,561	4
2024-06-04	Stilwell, Value Llc, Stil…	TenPercentOwner	-	Indirect	Sale	75,000	9.62	$721,500.00	271,014	4
2024-06-04	Pollack, Dennis	Director	-	Indirect	Purchase	10,000	9.90	$99,000.00	10,000	4
2023-10-04	Stilwell, Joseph, Stilwel…	TenPercentOwner	-	Indirect	Purchase	2,413	9.39	$22,658.07	1,498,542	4
2023-10-03	Stilwell, Activist Invest…	TenPercentOwner	-	Indirect	Purchase	6,176	9.25	$57,128.00	1,496,129	4
2023-10-02	Stilwell, Joseph, Stilwel…	TenPercentOwner	-	Indirect	Purchase	2,012	9.43	$18,973.16	1,489,953	4
2023-09-29	Stilwell, Activist Invest…	TenPercentOwner	-	Indirect	Purchase	800	9.72	$7,776.00	1,487,941	4
2023-09-28	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	2,485	9.58	$23,806.30	1,487,141	4
2023-09-27	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	7,926	9.47	$75,059.22	1,484,656	4
2023-09-26	Stilwell, Value Llc, Stil…	TenPercentOwner	-	Indirect	Purchase	300	9.71	$2,913.00	1,476,730	4
2023-09-22	Stilwell, Activist Fund, …	TenPercentOwner	-	Indirect	Purchase	100	9.75	$975.00	1,476,430	4
2023-09-21	Stilwell, Joseph, Stilwel…	TenPercentOwner	-	Indirect	Purchase	300	9.62	$2,886.00	1,476,330	4
2023-09-20	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	2,900	9.71	$28,159.00	1,476,030	4
2023-09-19	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	2,704	9.52	$25,742.08	1,473,130	4
2023-09-18	Stilwell, Activist Invest…	TenPercentOwner	-	Indirect	Purchase	2,272	9.61	$21,833.92	1,470,426	4
2023-09-15	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	200	9.66	$1,932.00	1,468,154	4
2023-09-13	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	7,200	9.75	$70,200.00	1,467,954	4
2023-09-12	Stilwell, Activist Invest…	TenPercentOwner	-	Indirect	Purchase	1,558	9.67	$15,065.86	1,460,754	4
2023-09-11	Stilwell, Activist Invest…	TenPercentOwner	-	Indirect	Purchase	500	9.79	$4,895.00	1,459,196	4
2023-09-07	Stilwell, Value Llc, Stil…	TenPercentOwner	-	Indirect	Purchase	5,000	9.97	$49,850.00	1,458,696	4
2023-09-06	Stilwell, Partners L P, S…	TenPercentOwner	-	Indirect	Purchase	5,027	10.05	$50,521.35	1,453,696	4
2023-08-31	Stilwell, Activist Fund, …	TenPercentOwner	-	Indirect	Purchase	200	9.74	$1,948.00	1,448,669	4
2023-08-30	Stilwell, Activist Fund, …	TenPercentOwner	-	Indirect	Purchase	2,990	9.70	$29,003.00	1,448,469	4
2023-08-04	Curran, Kathleen Chase	Director	-	Direct	Purchase	5,000	9.77	$48,850.00	15,210	4
2023-08-02	Houle, Carol L	Officer	Co-President, Co-CEO and CFO	Indirect	Purchase	9,080	9.91	$89,982.80	88,735	4
2023-08-01	Piette, Barbara	Director	-	Direct	Purchase	2,593	9.68	$25,100.24	20,710	4
2023-07-31	Knapp, Laurie H	Director	-	Direct	Purchase	693	9.72	$6,735.96	38,728	4
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No institutional ownership data available.

Provident Bancorp, Inc. /MD/ (PVBC) — SEC Financial Statements & Analysis

Provident Bancorp, Inc. /MD/ (PVBC) is a savings institutions, not federally chartered company. Provident Bancorp, Inc. /MD/ trades on Nasdaq as: PVBC. Based on its latest SEC filing (Form 10-Q, period ending 2025-09-30), Provident Bancorp, Inc. /MD/ reported a -3.99% year-over-year revenue growth, a Gross Profit Margin of 61.67% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -3.99%
Gross Profit Margin TTM: 61.67%

Data as of 2025-09-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Provident Bancorp, Inc. /MD/ in?

Provident Bancorp, Inc. /MD/ (PVBC) operates in the Savings Institutions, Not Federally Chartered industry.

What exchange does PVBC trade on?

Provident Bancorp, Inc. /MD/ (PVBC) trades on the Nasdaq.