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CoverageForm 410-K10-Q8-K13D13G13F

PVBC · Provident Bancorp, Inc. /MD/ - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
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AnnualQuarterly

Income Statement

Line itemQ3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23Q2 '23
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A----------
Operating Income$3.73M$4.04M$2.83M-$848.0K($4.58M)$6.69M-$3.09M$4.92M
Interest Expense------$9.55M-$9.34M$7.97M
Income Tax$1.06M$1.22M$665.0K-$132.0K($1.27M)$1.71M-$628.0K$1.46M
Net Income$2.67M$2.82M$2.17M-$716.0K($3.31M)$4.98M-$2.47M$3.46M
EPS - Basic$0.16$0.17$0.13-$0.04($0.20)$0.30-$0.15$0.21
EPS - Diluted$0.16$0.17$0.13-$0.04($0.20)$0.30-$0.15$0.21

Balance Sheet

Line itemQ3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23Q2 '23
Cash & Equivalents------$190.85M$220.33M$366.37M$297.86M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$1.49B$1.54B$1.55B$1.59B$1.65B$1.65B$1.66B$1.67B$1.81B$1.76B
Current Liabilities----------
Long-term Debt$4.46M$9.49M$9.53M$9.56M$9.60M$9.63M$9.66M$9.70M$9.73M$9.76M
Total Liabilities$1.25B$1.30B$1.32B$1.36B$1.42B$1.42B$1.43B$1.45B$1.59B$1.55B
Stockholders' Equity$241.03M$237.37M$234.03M$231.09M$226.16M$224.34M$227.24M$221.90M$217.58M$215.07M
Retained Earnings$121.22M$118.56M$115.73M$113.56M$108.68M$107.96M$111.27M$106.28M$103.36M$100.89M

Cash Flow

Line itemQ3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23Q2 '23
Operating Cash Flow--$2.09M---($2.54M)---
Investing Cash Flow--($4.78M)---($12.74M)---
Financing Cash Flow--($41.47M)---($14.20M)---
CapEx--$11.0K---$86.0K---
Free Cash Flow--$2.08M---($2.63M)---

Ratios

MetricQ3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23Q2 '23
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income--0.96----0.53---
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate28.4%30.2%23.5%-15.6%-25.5%-20.3%29.7%
Return on assets0.2%0.2%0.1%-0.0%-0.2%0.3%-0.1%0.2%
Return on equity1.1%1.2%0.9%-0.3%-1.5%2.2%-1.1%1.6%
Return on invested capital1.1%1.1%0.9%-0.3%-1.5%2.1%-1.1%1.5%
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity0.020.040.040.040.040.040.040.040.040.05
Debt / Assets0.000.010.010.010.010.010.010.010.010.01
Debt / EBITDA----------
Interest coverage------0.7x-0.3x0.6x
Equity multiplier6.196.496.646.897.297.347.307.538.318.19
Liabilities / Assets0.840.850.850.850.860.860.860.870.880.88
Efficiency
Asset turnover----------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B----------
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)339.6%--57.6%--72.6%-141.2%---37.0%
Net income growth (YoY)272.9%--56.4%--71.0%-136.9%---38.4%
EPS growth (YoY)300.0%--56.7%--73.3%-130.8%---36.4%
EPS CAGR (3y)--19.8%-25.9%--48.9%-7.7%--5.9%5.3%
EPS CAGR (5y)-2.3%-1.1%13.2%--28.9%-----
FCF growth (YoY)------16.7%---
FCF CAGR (5y)---10.8%-------
Book value growth (YoY)6.6%5.8%3.0%4.1%3.9%4.3%7.5%6.9%6.7%-10.4%

Peer comparison

Same SIC group: Savings Institutions, Not Federally Chartered

CompanyRevenue (last FY)Net marginROE
FSBW--10.8%
HFWA$12.01M562.5%7.3%
NYSE:NYCB---2.2%
BHLB$29.95M301.4%3.6%
TCBX--12.5%

Comparing Provident Bancorp against the 5 most active filers in the same SIC group.