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Provident Bancorp, Inc.
PVBCFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $94.24M | 7.7% | $7.26M | $11.50M | N/A |
| 2027 | $98.86M | 7.7% | $7.61M | $12.06M | $10.96M |
| 2028 | $103.70M | 7.7% | $7.99M | $12.65M | $10.46M |
| 2029 | $108.78M | 7.7% | $8.38M | $13.27M | $9.97M |
| 2030 | $114.11M | 7.7% | $8.79M | $13.92M | $9.51M |
| 2031 | $119.71M | 7.7% | $9.22M | $14.60M | $9.07M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.43 | 2024-12-31 |
| EPS growth | -34.8% | Forecast years: 5 |
| Future EPS | $0.051 | EPS × (1 + G)^5 |
| Base P/E | 26.2 | P/E |
| Future price | $1.327 | Future EPS × P/E |
| Fair value today | $0.824 | PV @ 10.0% |
| 30% safety price | $0.577 | Margin of safety |
| 50% safety price | $0.412 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $21.273 | $22.775 | $24.824 |
| 10.0% | $19.749 | $20.857 | $22.306 |
| 11.0% | $18.548 | $19.391 | $20.459 |