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 22.50 is considered Fairly compared with the five-year average of 21.39. The fair price of Provident Bancorp Inc (Maryland) (PVBC) is between 6.35 to 16.70 according to relative valuation methord.
Relative Value
Fair Zone
6.35-16.70
Current Price：13.48
Fair
22.50
PE
1Y
3Y
5Y
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.
13.50
PS
Provident Bancorp Inc (Maryland). (PVBC) has a current PS of 13.50. The 5-year average PS is 3.18. The thresholds are as follows: Strongly Undervalued below 0.73, Undervalued between 0.73 and 1.95, Fairly Valued between 4.40 and 1.95, Overvalued between 4.40 and 5.63, and Strongly Overvalued above 5.63. The current Forward PS of 13.50 falls within the Strongly Overvalued 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 0.99. Compared to its 3-year average P/B ratio of 0.77 , the current P/B ratio is approximately 28.03% higher. Relative to its 5-year average P/B ratio of 0.92, the current P/B ratio is about 7.21% higher. Provident Bancorp Inc (Maryland) (PVBC) has a Forward Free Cash Flow (FCF) yield of approximately 7.03%. Compared to its 3-year average FCF yield of 6.77%, the current FCF yield is approximately 3.86% lower. Relative to its 5-year average FCF yield of 5.52% , the current FCF yield is about 27.36% lower.
0.99
P/B
Median3y
0.77
Median5y
0.92
7.03
FCF Yield
Median3y
6.77
Median5y
5.52
Competitors Valuation Multiple
The average P/S ratio for PVBC's competitors is 0.00, providing a benchmark for relative valuation. Provident Bancorp Inc (Maryland) Corp (PVBC) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 5.18%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PVBC increased by 18.42% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 5.55 to 19.66.
The secondary factor is the Revenue Growth, contributed 5.18%to the performance.
Overall, the performance of PVBC in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
Is Provident Bancorp Inc (Maryland) (PVBC) currently overvalued or undervalued?
What is Provident Bancorp Inc (Maryland) (PVBC) fair value?
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What is the current P/B ratio for Provident Bancorp Inc (Maryland) (PVBC) as of Dec 06 2025?
What is the current FCF Yield for Provident Bancorp Inc (Maryland) (PVBC) as of Dec 06 2025?
What is the current Forward P/E ratio for Provident Bancorp Inc (Maryland) (PVBC) as of Dec 06 2025?