Is Provident Bancorp, Inc. (Massachusetts) overvalued or undervalued?

As of 10 October 2025, the valuation grade for Provident Bancorp, Inc. has moved from expensive to fair. Based on the analysis, the company appears to be fairly valued at this time. Key valuation ratios include a P/E ratio of 46, a Price to Book Value of 0.88, and an EV to EBIT of 42.22.
In comparison to its peers, Southern Missouri Bancorp, Inc. has a P/E of 11.64, while Hingham Institution for Savings has a P/E of 18.15, indicating that Provident Bancorp is trading at a premium relative to these competitors. Notably, the company's stock has outperformed the S&P 500 over the past year, returning 19.77% compared to the index's 13.36%, but has significantly lagged over the longer three and five-year periods.