Provident Bancorp, Inc. Financial Ratios — PVBC Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	8.49	6.6	10.05	11.28	11.85	12.16	12.04	14.48	-20.15	10.88	6.6
Return on Assets (%)	- -	0.71	0.55	0.82	0.93	0.99	1.03	0.91	1	-1.28	0.66	0.45
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.26	24.17	19.15	30.66	36.5	30.41	30.78	28.63	33.52	-33.97	23.06	16.97
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
Net Income to Common 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
Effective Tax Rate (%)	28.6	24.16	26.28	32.3	48.38	25.77	26.07	27.84	26.95	- -	25.87	22.49
Dvd Payout Ratio (%)	4.29	3.77	4.37	- -	- -	- -	- -	13.65	15.86	-9.26	- -	- -
Sustainable Growth Rate (%)	- -	8.17	6.31	10.05	11.28	11.85	12.16	10.4	12.18	-22.02	10.88	6.6

Credit (USD)

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	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 Debt	41	39	57	50	27	68	29	18	18	131	109	48
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	108	95	35
LT Debt	41	39	57	50	27	68	29	18	18	23	14	13
Total Debt/EBITDA	63.45	51.16	80.54	59.93	33.1	74.42	20.76	16.49	17.43	119.19	99.42	45.09
Net Debt/EBITDA	39.68	38.69	51.84	47.06	-25.71	43.12	-24.92	-64.45	-136.08	42	-105.6	-116
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	8.5	8.06	8.33	8.21	8.56	8.41	6.95	6.84	5.79	6.37	7.14
Long-Term Debt/Equity (%)	58.7	51.77	56.63	45.68	23.18	54.16	12.5	7.63	7.65	10.89	6.25	5.81
Long-Term Debt/Capital (%)	37.36	34.93	48.95	42.95	26.6	44.94	23.43	14.66	13.14	10.01	6.44	8.28
Long-Term Debt/Total Assets (%)	6.56	5.96	7.72	6.27	2.97	6.98	2.57	1.19	1.03	1.38	0.83	0.84
Total Debt/Equity (%)	58.7	51.77	56.63	45.68	23.18	54.16	12.5	7.63	7.65	63.17	49.06	20.96
Total Debt/Capital (%)	37.36	34.93	48.95	42.95	26.6	44.94	23.43	14.66	13.14	58.03	50.56	29.86
Total Debt/Total Assets (%)	6.56	5.96	7.72	6.27	2.97	6.98	2.57	1.19	1.03	8.01	6.52	3.04
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
Net Debt/Capital (%)	27.17	28.88	38.16	37.15	-39.19	32.1	-54.52	-180.92	823.1	31.8	2,311.78	1,785.31
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	-1	- -	-3	-1	-5	- -	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	8.5	8.06	8.33	8.21	8.56	8.41	6.95	6.84	5.79	6.37	7.14
Long-Term Debt/Equity (%)	58.7	51.77	56.63	45.68	23.18	54.16	12.5	7.63	7.65	10.89	6.25	5.81
Long-Term Debt/Capital (%)	37.36	34.93	48.95	42.95	26.6	44.94	23.43	14.66	13.14	10.01	6.44	8.28
Long-Term Debt/Total Assets (%)	6.56	5.96	7.72	6.27	2.97	6.98	2.57	1.19	1.03	1.38	0.83	0.84
Total Debt/Equity (%)	58.7	51.77	56.63	45.68	23.18	54.16	12.5	7.63	7.65	63.17	49.06	20.96
Total Debt/Capital (%)	37.36	34.93	48.95	42.95	26.6	44.94	23.43	14.66	13.14	58.03	50.56	29.86
Total Debt/Total Assets (%)	6.56	5.96	7.72	6.27	2.97	6.98	2.57	1.19	1.03	8.01	6.52	3.04
CFO/Total Liabilities	0.45	1.31	1.06	1.25	1.2	1.97	1.97	1.43	1.63	1.53	0.38	0.87
CFO/CapEx	4.67	13.28	3.75	9.86	2.77	6.98	2.8	19.96	59.01	83.61	16.38	32.15
Altman's Z-Score	0.15	0.16	0.2	0.22	0.25	0.23	0.31	0.24	0.26	0.18	0.2	0.22

Working Capital (USD)

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	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

Accounts Receivable Turnover	- -	12.4	12.58	13.36	18.01	16.58	17.3	12.58	10.92	13.05	10.1	9.71
Days Sales Outstanding	- -	29.43	29.02	27.31	20.27	22.02	21.1	29.02	33.44	27.97	36.13	37.59
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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

Market Capitalization	- -	- -	59	79	117	96	217	213	310	120	167	191
- Cash & Cash Equivalents	15	10	20	11	48	29	60	84	153	81	220	169
+ Preferred Equity and Hybrid Capital	17	17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	41	39	57	50	27	68	29	18	18	131	109	48
Enterprise Value	-45	-29	15	- -	35	84	145	115	138	142	27	70
Total Capital	110	112	117	116	101	151	123	123	136	226	215	162
Total Debt/Capital (%)	37.36	34.93	48.95	42.95	26.6	44.94	23.43	14.66	13.14	58.03	50.56	29.86
Total Debt / EV	-0.91	-1.34	3.74	129.02	0.77	0.81	0.2	0.16	0.13	0.92	4.03	0.69
EV/Sales	- -	- -	0.57	0.01	0.83	2.05	3.05	1.99	2.09	1.77	0.42	1.27
EV/EBITDA	- -	- -	21.52	0.46	43.06	92.42	104.17	105.79	134.07	128.98	24.65	65.15
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	2.25	0.04	3.69	5.04	8.28	6.35	5.66	6.48	4.86	5.88
EV/Free Cash Flow to Firm	- -	- -	1.78	0.04	2.71	4.41	6.1	6.05	5.56	6.4	4.58	5.7
Diluted Market Cap	- -	- -	59	79	117	97	219	214	319	120	167	191
Diluted Enterprise Value	43	47	96	118	96	137	188	148	184	170	56	71
EV per Share	- -	- -	1.62	0.04	3.8	9.14	8.07	6.38	8.2	8.61	1.63	4.18
TTM Sales	24	25	27	31	42	41	48	58	66	80	64	55
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	8	7	9	9	17	18	18	24	22	6	12
TTM Free Cash Flow to Firm	3	8	9	9	13	19	24	19	25	22	6	12

Multiples (USD)

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	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

Price/Free Cash Flow	- -	- -	6.87	8.34	9.08	5.08	9.21	11.21	12.92	5.41	28.37	15.6
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-45	-29	15	- -	35	84	145	115	138	142	27	70
Low Price	- -	- -	5.57	6.31	8.14	9.8	9.39	7.21	10.82	6.1	5.76	7.36
EV/Sales	- -	- -	0.57	0.01	0.83	2.05	3.05	1.99	2.09	1.77	0.42	1.27
EV/EBITDA	- -	- -	21.52	0.46	43.06	92.42	104.17	105.79	134.07	128.98	24.65	65.15
Price/Earnings	- -	- -	15.53	12.48	14.81	10.34	20.12	17.81	19.18	- -	15.25	26.23
Price/Earnings Average	- -	- -	15.1	10.52	12.02	12.31	19.47	13.8	16.22	-11.01	13.26	23.59
Price/Earnings High	- -	- -	16.57	13.72	15.75	15.1	23.39	18.94	20.93	-14.75	15.79	28.34
Price/Earnings Low	- -	- -	13.84	9.13	9.46	9.71	15.6	10.88	11.24	-4.68	8.72	16.93
Price/Book Value	- -	- -	0.99	1.19	1.58	1.16	2.3	2.04	2.62	1.27	1.57	1.68
Price/Book Value Average	- -	- -	0.96	1.01	1.28	1.38	2.23	1.58	2.21	2.49	1.36	1.51
Price/Book Value High	- -	- -	1.06	1.31	1.68	1.69	2.68	2.17	2.86	3.34	1.62	1.81
Price/Book Value Low	- -	- -	0.88	0.87	1.01	1.09	1.79	1.25	1.53	1.06	0.9	1.08
Price/Tangible Book Value	- -	- -	0.59	0.72	1.01	0.77	0.94	0.91	1.32	0.58	0.75	0.83
Price/Tangible Book Value Average	- -	- -	0.57	0.61	0.82	0.91	0.91	0.7	1.12	1.14	0.65	0.74
Price/Tangible Book Value High	- -	- -	0.62	0.8	1.08	1.12	1.09	0.96	1.44	1.53	0.78	0.89
Price/Tangible Book Value Low	- -	- -	0.52	0.53	0.65	0.72	0.73	0.55	0.78	0.48	0.43	0.53
Price/Sales	- -	- -	2.19	2.59	2.79	2.34	4.58	3.68	4.7	1.5	2.61	3.45
Price/Sales Average	- -	- -	2.13	2.18	2.26	2.78	4.43	2.85	3.97	2.94	2.27	3.1
Price/Sales High	- -	- -	2.34	2.85	2.97	3.41	5.32	3.91	5.13	3.95	2.7	3.73
Price/Sales Low	- -	- -	1.95	1.9	1.78	2.19	3.55	2.25	2.75	1.25	1.49	2.23
Price/Cash Flow	- -	- -	8.71	9.19	12.37	5.76	12.42	11.74	12.73	5.48	30.08	16.03
Price/Cash Flow Average	- -	- -	8.46	7.75	10.04	6.85	12.02	9.1	10.77	10.79	26.16	14.42
Price/Cash Flow High	- -	- -	9.29	10.11	13.15	8.41	14.44	12.49	13.89	14.45	31.16	17.32
Price/Cash Flow Low	- -	- -	7.76	6.73	7.9	5.4	9.63	7.17	7.46	4.59	17.21	10.35
Price/Free Cash Flow Average	- -	- -	6.68	7.03	7.37	6.04	8.91	8.68	10.92	10.66	24.67	14.03
Price/Free Cash Flow High	- -	- -	7.33	9.18	9.66	7.41	10.71	11.92	14.09	14.28	29.38	16.86
Price/Free Cash Flow Low	- -	- -	6.13	6.11	5.8	4.77	7.14	6.85	7.57	4.54	16.23	10.07
EV/Sales Average	1.77	1.88	3.5	3.47	1.77	3.73	3.78	1.72	1.92	3.57	0.53	0.92
EV/Sales High	1.77	1.88	3.7	4.13	2.47	4.36	4.68	2.78	3.07	4.57	0.96	1.54
EV/Sales Low	1.77	1.88	3.32	3.18	1.29	3.15	2.9	1.11	0.7	1.88	- -	0.04
EV/EBITDA Average	66.22	61.05	132.79	127.22	91.56	168.74	129.16	91.23	123.41	260.7	30.84	47.28
EV/EBITDA High	66.22	61.05	140.69	151.62	127.99	197.19	159.65	147.76	197.44	333.74	56.19	79.48
EV/EBITDA Low	66.22	61.05	126.04	116.65	66.63	142.19	99.1	59.21	45.08	137.3	-14.55	2.23
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	6.25	8.62	12.74	10.44	12.11	11.8	18.46	7.28	10.07	11.4
High Price	- -	- -	6.67	9.48	13.55	15.24	14.08	12.55	20.14	19.21	10.43	12.32
Enterprise Value Average	43	47	95	106	74	154	180	100	127	287	34	51
Enterprise Value High	43	47	100	126	104	180	222	161	203	367	62	85
Enterprise Value Low	43	47	90	97	54	130	138	65	46	151	-16	2

Shares Outstanding	9	9	9	10	10	10	19	19	18	18	18	18
Diluted Weighted Avg Shares	9	9	9	9	9	9	18	18	17	16	17	17
Basic Weighted Avg Shares	9	9	9	9	9	9	18	18	17	16	17	17
Revenue per Share	2.54	2.62	2.85	3.33	4.57	4.47	2.65	3.21	3.93	4.87	3.86	3.3
EBITDA per Share	0.07	0.08	0.08	0.09	0.09	0.1	0.08	0.06	0.06	0.07	0.07	0.06
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.02	0.02	0.02	- -	- -	- -	- -	0.09	0.15	0.12	- -	- -
Cash Flow per Share	0.26	0.81	0.72	0.94	1.03	1.81	0.97	1.01	1.45	1.33	0.33	0.71
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
Cash & Equivalents per Share	10.84	9.01	10.68	14.01	11.86	8.66	5.65	6.41	11.33	6.63	15.01	10.11
Book Value per Share	5.43	5.89	6.31	7.22	8.05	9.02	5.25	5.79	7.05	5.75	6.42	6.8
Tangible Book Value per Share	5.55	6.17	10.68	11.89	12.59	13.59	12.86	13.04	13.94	12.59	13.38	13.81

Provident Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)