PVBC Valuation

Provident Bancorp Inc (Maryland)

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12.930

+0.12(0.937%)1D

Overview
Forecast
Valuation
Earnings

PVBC Relative Valuation

PVBC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PVBC is overvalued; if below, it's undervalued.

Historical Valuation

Provident Bancorp Inc (Maryland) (PVBC) is now in the Fair zone, suggesting that its current forward PE ratio of 22.88 is considered Fairly compared with the five-year average of 21.55. The fair price of Provident Bancorp Inc (Maryland) (PVBC) is between 6.26 to 16.88 according to relative valuation methord.

Relative Value

Fair Zone

6.26-16.88

Current Price：12.93

Fair

22.88

Trailing

Forward

0.00

EV/EBITDA

Provident Bancorp Inc (Maryland). (PVBC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Provident Bancorp Inc (Maryland). (PVBC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

3.54

Provident Bancorp Inc (Maryland). (PVBC) has a current PS of 3.54. The 5-year average PS is 3.04. The thresholds are as follows: Strongly Undervalued below 1.75, Undervalued between 1.75 and 2.39, Fairly Valued between 3.68 and 2.39, Overvalued between 3.68 and 4.33, and Strongly Overvalued above 4.33. The current Forward PS of 3.54 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Provident Bancorp Inc (Maryland). (PVBC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Provident Bancorp Inc (Maryland). (PVBC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Provident Bancorp Inc (Maryland) (PVBC) has a current Price-to-Book (P/B) ratio of 0.91. Compared to its 3-year average P/B ratio of 0.78 , the current P/B ratio is approximately 16.56% higher. Relative to its 5-year average P/B ratio of 0.91, the current P/B ratio is about 0.37% higher. Provident Bancorp Inc (Maryland) (PVBC) has a Forward Free Cash Flow (FCF) yield of approximately 6.56%. Compared to its 3-year average FCF yield of 7.20%, the current FCF yield is approximately -8.87% lower. Relative to its 5-year average FCF yield of 3.39% , the current FCF yield is about 93.55% lower.

0.91

P/B

Median3y

0.78

Median5y

0.91

6.56

FCF Yield

Median3y

7.20

Median5y

3.39

Competitors Valuation Multiple

The average P/S ratio for PVBC's competitors is 2.92, providing a benchmark for relative valuation. Provident Bancorp Inc (Maryland) Corp (PVBC) exhibits a P/S ratio of 3.54, which is 21.36% above the industry average. Given its robust revenue growth of 13.30%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PVBC.O

Provident Bancorp Inc (Maryland)

Western New England Bancorp Inc

Timberland Bancorp Inc

Performance Decomposition

Market capitalization of PVBC increased by 17.23% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 7.41 to 20.69.

The secondary factor is the Revenue Growth, contributed 13.30%to the performance.

Overall, the performance of PVBC in the past 1 year is driven by P/E Change. Which is more unsustainable.

13.30%

12.35M → 13.99M

Revenue Growth

-175.36%

-26.79 → 20.19

Margin Expansion

179.29%

7.41 → 20.69

P/E Change

17.23%