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About the company
Provident Bancorp, Inc. is the holding company for BankProv (the Bank). The Bank is a commercial bank that offers a comprehensive suite of banking products for corporate clients. The Bank is a banking-as-a-service provider specializing in technology-driven banking solutions. The Bank's commercial lending products include term loans and revolving lines of credit, which are made with either variable or fixed rates of interest. The Bank makes commercial business loans in its market area to a variety of small- and medium- sized businesses, including professional and nonprofit organizations, and, to a lesser extent, sole proprietorships. It serves various industries including renewable energy, fintech and enterprise value lending. The Bank operates from its main office and two branch offices in the Northeastern Massachusetts area, three branch offices in Southeastern New Hampshire and one branch located in Bedford, New Hampshire. It also has a loan production office in Ponte Vedra, Florida.
- Revenue in USD (TTM)91.71m
- Net income in USD13.83m
- Incorporated2019
- Employees188.00
- LocationProvident Bancorp Inc (Maryland)5 Market StreetAMESBURY 01913United StatesUSA
- Phone+1 (978) 388-0050
- Websitehttps://investors.bankprov.com/overview/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investar Holding Corp | 137.95m | 17.57m | 155.79m | 323.00 | 8.88 | 0.683 | 7.38 | 1.95 | 1.79 | 1.79 | 8.12 | 23.21 | -- | -- | -- | -- | 0.6345 | 0.7569 | -- | -- | -- | -- | 22.03 | 20.63 | -- | -- | -- | 17.43 | 27.38 | 12.51 | -53.25 | 3.70 | -26.32 | 14.26 |
| Morris State Bancshares Inc | 75.28m | 20.12m | 157.00m | -- | 9.76 | 1.08 | -- | 2.79 | 1.90 | 1.90 | 5.31 | 17.20 | -- | -- | -- | -- | 1.41 | 1.54 | -- | -- | -- | -- | 35.78 | 35.22 | -- | -- | -- | 15.00 | 17.60 | 13.76 | -8.42 | 4.88 | -12.46 | -- |
| Virginia National Bankshares Corp | 72.18m | 17.12m | 157.15m | 147.00 | 9.20 | 1.03 | 7.24 | 2.83 | 3.18 | 3.18 | 10.32 | 28.31 | -- | -- | -- | -- | 1.07 | 1.07 | -- | -- | -- | -- | 30.85 | 28.26 | -- | -- | -- | 37.82 | 23.37 | 22.20 | -17.81 | 17.86 | 6.72 | 4.92 |
| Peoples Bancorp of North Carolina, Inc. | 74.87m | 16.32m | 160.16m | 277.00 | 10.40 | 1.36 | 8.33 | 2.03 | 2.91 | 2.91 | 14.08 | 22.19 | -- | -- | -- | -- | 0.9977 | 1.01 | -- | -- | -- | -- | 20.65 | 20.35 | -- | -- | -- | 30.69 | 32.02 | 9.64 | -3.58 | 3.04 | 2.26 | 7.89 |
| First Western Financial Inc | 149.24m | 3.92m | 162.41m | 310.00 | 42.38 | 0.6615 | 25.62 | 1.78 | 0.3983 | 0.3983 | 9.40 | 25.52 | -- | -- | -- | -- | 0.1329 | 0.7519 | -- | -- | -- | -- | 4.31 | 17.29 | -- | -- | -- | 0.00 | 43.84 | 30.27 | -75.92 | 4.12 | 26.87 | -- |
| Exchange Bank | 118.47m | 15.85m | 168.01m | 60.00 | 10.60 | 0.6655 | -- | 1.54 | 9.25 | 9.25 | 63.81 | 147.26 | -- | -- | -- | -- | 0.7436 | 1.05 | -- | -- | -- | -- | 22.76 | 27.66 | -- | -- | -- | 23.90 | 14.17 | 3.79 | -46.12 | -12.11 | -- | 6.20 |
| Provident Bancorp Inc (Maryland) | 91.71m | 13.83m | 168.27m | 188.00 | 11.48 | 0.7406 | 11.27 | 2.74 | 0.8303 | 0.8303 | 3.68 | 12.87 | -- | -- | -- | -- | 0.8231 | 0.3885 | -- | -- | -- | -- | 22.56 | 8.92 | -- | -- | -- | 21.76 | 13.83 | 16.35 | 151.02 | 3.27 | -32.39 | -- |
| Bankfirst Corp | 63.86m | 9.16m | 168.52m | 380.00 | 40.10 | 3.83 | 14.69 | 3.76 | 0.7718 | 0.7718 | 3.78 | 8.16 | -- | -- | -- | -- | 1.13 | -- | -- | -- | -- | -- | 20.71 | -- | -- | -- | -- | -- | 4.82 | -- | 31.38 | -- | -- | -- |
| United Bancorporation of Alabama Inc | 18.20m | 989.72k | 169.35m | 177.00 | 113.78 | 4.13 | 87.99 | 8.10 | 0.4206 | 0.4206 | 8.88 | 15.88 | -- | -- | -- | -- | 0.2774 | -0.0889 | -- | -- | -- | -- | 6.05 | -2.22 | -- | -- | -- | -- | -4.61 | -6.10 | 167.07 | -21.90 | -35.91 | -- |
| Middlefield Banc Corp | 94.61m | 16.64m | 170.22m | 256.00 | 10.31 | 0.828 | 11.83 | 2.42 | 2.05 | 2.05 | 8.66 | 25.48 | -- | -- | -- | -- | 0.9388 | 1.02 | -- | -- | -- | -- | 23.61 | 25.99 | -- | -- | -- | 33.15 | 64.46 | 12.39 | 10.81 | 6.92 | -12.20 | 7.39 |
| HomeStreet Inc | 405.23m | -40.06m | 172.17m | 858.00 | -- | 0.3265 | -- | 0.9028 | -2.13 | -2.13 | 10.14 | 27.96 | -- | -- | -- | -- | -0.4149 | 0.7085 | -- | -- | -- | -- | -21.01 | 18.82 | -- | -- | -- | 26.99 | 31.37 | 9.71 | -141.34 | -- | -17.09 | -- |
| ESSA Bancorp Inc | 98.57m | 17.92m | 174.46m | 232.00 | 9.28 | 0.7805 | 9.07 | 2.55 | 1.86 | 1.86 | 7.08 | 22.06 | -- | -- | -- | -- | 0.8583 | 0.8662 | -- | -- | -- | -- | 26.21 | 25.76 | -- | -- | -- | 30.02 | 36.12 | 5.80 | -7.44 | 12.71 | -- | 10.76 |
| National Bankshares Inc. | 60.81m | 13.33m | 181.29m | 222.00 | 13.59 | 1.30 | 12.83 | 4.13 | 2.26 | 2.26 | 7.46 | 23.65 | -- | -- | -- | -- | 0.7976 | 1.24 | -- | -- | -- | -- | 30.35 | 38.36 | -- | -- | -- | 52.93 | 17.41 | 6.36 | -39.49 | -0.5762 | 4.61 | 4.53 |
| Ames National Corporation | 77.22m | 9.92m | 184.34m | 254.00 | 18.58 | 1.11 | 15.80 | 3.48 | 1.10 | 1.10 | 5.89 | 18.41 | -- | -- | -- | -- | 0.453 | 0.92 | -- | -- | -- | -- | 18.72 | 29.76 | -- | -- | -- | 52.10 | 20.71 | 8.36 | -43.93 | -8.66 | 50.61 | 3.48 |
| California BanCorp | 111.05m | 20.00m | 184.82m | 169.00 | 9.28 | 0.9207 | 8.83 | 2.34 | 2.36 | 2.36 | 9.31 | 23.79 | -- | -- | -- | -- | 1.01 | 0.7829 | -- | -- | -- | -- | 25.32 | 21.69 | -- | -- | -- | 0.00 | 32.73 | 21.68 | 2.49 | 19.95 | -- | -- |
Data as of May 31 2024. Currency figures normalised to Provident Bancorp Inc (Maryland)'s reporting currency: US Dollar USD
38.60%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Stilwell Value LLCas of 21 May 2024 | 1.83m | 10.37% |
| M3F, Inc.as of 31 Mar 2024 | 1.53m | 8.64% |
| T. Rowe Price Investment Management, Inc.as of 31 Mar 2024 | 1.43m | 8.08% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 735.84k | 4.17% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 288.47k | 1.63% |
| AllianceBernstein LPas of 31 Mar 2024 | 264.24k | 1.50% |
| Millennium Management LLCas of 31 Mar 2024 | 222.46k | 1.26% |
| Kennedy Capital Management LLCas of 31 Mar 2024 | 194.42k | 1.10% |
| Geode Capital Management LLCas of 31 Mar 2024 | 191.95k | 1.09% |
| Susquehanna Financial Group LLLPas of 31 Mar 2024 | 134.00k | 0.76% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
