ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Provident Bancorp, Inc. (Massachusetts) ?
1
High Profitability with a Net Interest Margin of 3.27%
2
Positive results in Jun 25
- ROCE(HY) Highest at 0.66%
- PRE-TAX PROFIT(Q) At USD 4.04 MM has Grown at 188.4%
- NET PROFIT(Q) At USD 2.82 MM has Grown at 185.37%
3
With ROA of 0.18%, it has a very expensive valuation with a 0.88 Price to Book Value
- Over the past year, while the stock has generated a return of 23.74%, its profits have fallen by -67.8%
4
High Institutional Holdings at 53.91%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 23.74% in the last 1 year, much higher than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Provident Bancorp, Inc. (Massachusetts) should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Provident Bancorp, Inc. (Massachusetts) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Provident Bancorp, Inc. (Massachusetts)
23.74%
1.73
22.28%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.55%
EBIT Growth (5y)
3.14%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
53.91%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
46
Industry P/E
Price to Book Value
0.88
EV to EBIT
42.22
EV to EBITDA
35.84
EV to Capital Employed
0.88
EV to Sales
2.29
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
2.08%
ROE (Latest)
1.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
ROCE(HY)
Highest at 0.66%
PRE-TAX PROFIT(Q)
At USD 4.04 MM has Grown at 188.4%
NET PROFIT(Q)
At USD 2.82 MM has Grown at 185.37%
-3What is not working for the Company
ROCE(HY)
Lowest at 0.66%
Here's what is working for Provident Bancorp, Inc. (Massachusetts)
Pre-Tax Profit
At USD 4.04 MM has Grown at 188.4%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 2.82 MM has Grown at 185.37%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
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