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

As of 17 October 2025, the valuation grade for Provident Bancorp, Inc. has moved from expensive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 46, a Price to Book Value of 0.88, and an EV to EBITDA of 35.84.
When compared to 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 priced higher relative to these competitors. In terms of stock performance, Provident Bancorp's year-to-date return of 9.21% lags behind the S&P 500's return of 13.30%, reflecting a challenging market position.