Provident Bancorp, Inc.

PVBC

PVBCProvident Bancorp, Inc. US flag

NASDAQ Capital Market

13.50

USD

+0.40

- -

240.07MMarket Cap

Income Statement (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Sales/Revenue/Turnover	24	25	27	31	42	41	48	58	66	80	64	55
+ Sales & Services Revenue	24	25	27	31	42	41	48	58	66	80	64	55
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	12	12	13	14	17	18	20	26	31	36	36	33
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-12	-12	-13	-14	-17	-18	-20	-26	-31	-36	-36	-33
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-6	-5	-9	-15	-13	-15	-17	-22	27	-15	-9
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-6	-5	-9	-15	-13	-15	-17	-22	27	-15	-9
Pretax Income	6	6	5	9	15	13	15	17	22	-27	15	9
- Income Tax Expense (Benefit)	2	1	1	3	7	3	4	5	6	-6	4	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	5	4	6	8	9	11	12	16	-21	11	7
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	5	4	6	8	9	11	12	16	-21	11	7
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	5	4	6	8	9	11	12	16	-21	11	7
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	5	4	6	8	9	11	12	16	-21	11	7
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	2.67	3.08	2.63	2.72	1.93	2.21	2.93	1.88	1.56	1.37	1.71	1.94
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	16.61	18.33	14.12	20.75	18.84	22.58	22.75	20.66	24.49	-26.75	17.09	13.15
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.02	0.02	0.02	- -	- -	- -	- -	0.09	0.15	0.12	- -	- -
Depreciation Expense	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	9	9	9	9	9	9	18	18	17	16	17	17
Basic EPS, GAAP	0.42	0.48	0.4	0.69	0.86	1.01	0.6	0.66	0.96	-1.3	0.66	0.43
Basic EPS from Cont Ops	0.42	0.48	0.4	0.69	0.86	1.01	0.6	0.66	0.96	-1.3	0.66	0.43
Diluted Weighted Avg Shares	9	9	9	9	9	9	18	18	17	16	17	17
Diluted EPS, GAAP	0.42	0.48	0.4	0.69	0.86	1	0.6	0.66	0.93	-1.3	0.66	0.43
Diluted EPS from Cont Ops	0.42	0.48	0.4	0.69	0.86	1	0.6	0.66	0.93	-1.3	0.66	0.43

Balance Sheet (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	103	86	101	129	109	80	101	116	190	109	249	169
+ Cash & Cash Equivalents	15	10	20	11	48	29	60	84	153	81	220	169
+ ST Investments	88	76	81	118	61	51	42	32	37	29	29	- -
+ Accounts & Notes Receiv	2	2	2	2	2	3	3	6	6	7	6	5
+ Accounts Receivable, Net	2	2	2	2	2	3	3	6	6	7	6	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-105	-88	-104	-131	-111	-83	-104	-122	-196	-116	-255	-174
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	11	11	12	12	11	16	18	19	18	18	17	14
+ Property, Plant & Equip	18	18	20	20	21	26	28	29	30	29	29	23
- Accumulated Depreciation	7	8	8	9	10	10	10	10	11	11	12	10
+ LT Investments & Receivables	134	122	126	118	61	51	42	32	37	29	29	26
+ LT Investments	134	122	126	118	61	51	42	32	37	29	29	26
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-145	-132	-137	-129	-72	-67	-60	-51	-55	-46	-45	-39
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-145	-132	-137	-129	-72	-67	-60	-51	-55	-46	-45	-39
Total Assets	625	659	743	796	902	974	1,122	1,506	1,729	1,636	1,670	1,593
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	108	95	35
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	108	95	35
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	-108	-95	-35
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	-108	-95	-35
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	41	39	57	50	27	68	29	18	18	23	14	13
+ LT Borrowings	41	39	57	50	27	68	25	14	14	18	10	10
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	4	4	4	4	4	4
+ Other LT Liabilities	-41	-39	-57	-50	-27	-68	-29	-18	-18	-23	-14	-13
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-41	-39	-57	-50	-27	-68	-29	-18	-18	-23	-14	-13
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	555	583	642	686	786	848	891	1,270	1,496	1,429	1,448	1,362
+ Preferred Equity and Hybrid Capital	17	17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	43	43	45	46	146	140	124	123	124	126
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	43	43	45	46	146	139	123	123	124	125
- Treasury Stock	- -	- -	- -	- -	1	1	- -	- -	- -	- -	- -	- -
+ Retained Earnings	52	56	60	66	74	83	94	105	118	95	106	114
+ Other Equity	1	2	2	3	1	- -	- -	1	1	-2	-1	-2
Equity Before Minority Interest	70	76	101	109	116	126	231	236	234	208	222	231
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	70	76	101	109	116	126	231	236	234	208	222	231
Total Liabilities & Equity	625	659	743	796	902	974	1,122	1,506	1,729	1,636	1,670	1,593
Shares Outstanding	9	9	9	10	10	10	19	19	18	18	18	18
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	4	4	4	4	4	4
Net Debt	26	30	37	39	-21	39	-35	-70	-140	46	-116	-125
Net Debt to Equity	36.71	39.16	36.45	35.87	-18.01	31.38	-15.01	-29.81	-59.72	22.26	-52.11	-53.91
Tangible Common Equity Ratio	8.43	8.9	13.64	13.72	12.83	12.89	20.59	15.66	13.52	12.68	13.29	14.5
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

+ Net Income	4	5	4	6	8	9	11	12	16	-21	11	7
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	1	1	1
+ Non-Cash Items	1	1	3	1	1	4	6	5	6	52	2	3
+ Stock-Based Compensation	- -	- -	- -	- -	1	2	2	2	4	3	2	2
+ Deferred Income Taxes	1	-1	-1	- -	1	-1	-1	-2	-1	-6	2	1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	2	3	1	-2	4	5	5	3	55	-2	- -
+ Chg in Non-Cash Work Cap	-3	1	- -	- -	- -	3	- -	- -	1	-10	-9	1
+ (Inc) Dec in Accts Receiv	-1	1	- -	- -	- -	- -	- -	-3	1	-1	1	1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-8	-1
+ Inc (Dec) in Other	-3	1	- -	1	- -	3	- -	4	- -	-9	-1	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	3	8	7	9	9	17	18	18	24	22	6	12
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-2	-1	-3	-2	-6	-1	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	-1	-1	-2	-1	-3	-2	-6	-1	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	41	- -	-1	- -	91	-8	-19	-3	- -	- -
+ Increase in Capital Stock	- -	- -	41	- -	- -	- -	92	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-1	- -	- -	-8	-19	-3	- -	- -
+ Net Change in LT Investment	13	15	-6	9	58	9	10	10	-5	4	1	3
+ Dec in LT Investment	38	28	12	19	71	9	24	10	8	4	3	3
+ Inc in LT Investment	-25	-13	-18	-10	-13	- -	-14	- -	-14	- -	-2	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-71	-54	-67	-70	-126	-101	-121	-370	-150	-26	104	17
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-59	-40	-75	-62	-71	-95	-117	-360	-156	-22	105	19
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	-2	-3	-2	- -	- -
+ Net Cash From Debt	-8	-3	- -	5	7	10	-5	-11	- -	113	-9	- -
+ Cash From Debt	3	- -	- -	5	7	10	- -	- -	- -	113	- -	- -
+ Repayments of Debt	-12	-3	- -	- -	- -	- -	-5	-11	- -	- -	-9	- -
+ Other Financing Activities	57	30	38	38	92	49	44	388	222	-180	38	-82
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	48	26	79	43	98	59	130	366	201	-72	29	-82
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-8	-6	11	-10	37	-19	31	24	69	-72	140	-51
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	2.67	3.08	2.63	2.72	1.93	2.21	2.93	1.88	1.56	1.37	1.71	1.94
Free Cash Flow	2	7	5	8	6	14	11	17	24	22	5	12
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	2	7	5	8	6	14	11	17	24	- -	5	12
Free Cash Flow to Equity	- -	4	-12	13	13	24	6	6	24	135	-3	12
Free Cash Flow per Basic Share	0.21	0.74	0.53	0.84	0.66	1.55	0.63	0.95	1.43	1.31	0.31	0.69
Price/Free Cash Flow	- -	- -	6.87	8.34	9.08	5.08	9.21	11.21	12.92	5.41	28.37	15.6
Cash Flow to Net Income	0.62	1.68	1.78	1.36	1.2	1.8	1.62	1.52	1.51	-1.02	0.51	1.64
Capital Expenditures	-1	-1	-2	-1	-3	-2	-6	-1	- -	- -	- -	- -