Provident Bancorp Cash Flow - Annual (NASDAQ:PVBC)

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$16.1 $0.4 (2.55%) PVBC stock closing price Oct 24, 2016 (Closing)

The financial analysis of PVBC requires an investor to check the cash flows for Provident Bancorp. The profit-loss statement shows Provident Bancorp profits, the balance sheet shows Provident Bancorp debt, and the cash flow statement reflects the liquidity and solvency of a firm. This statement reflects the company's ability to generate cash flows. Provident Bancorp stock analysis shows positive net income cash flow of $3.82M for 2015. This statement is important because profits alone cannot pay employees, or bills. Cash is required.   PVBC decrease in investments stood at a negative value of $-74.96M for the latest 2015. View details of Provident Bancorp cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013
Provident Bancorp Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow1.57M1.68M1.87M
Net Increase (Decrease) in Assets Liabilities-0.29M1.26M-3.14M
Cash From (used in) Discontinued Operations---
Other Adjustments Net1.72M0.13M-0.23M
Provident Bancorp Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-1.81M-0.57M-0.5M
Acquisition Disposition of Subsidiaires---
Increase (Decrease) in Investments-11.6M16.56M5.33M
Other Cash Inflow (Outflow) from Investment Activities-61.54M-55.88M-63.8M
Provident Bancorp Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares20.48M--
Issuance (Repayment) of Debt Securities18.18M-3.35M-8.47M
Increase (Decrease) in Bank & Other Borrowings-1.6M-
Payment of Dividends & Other Cash Distributions-0.16M-0.17M-0.17M
Other Cash from (used by) Financing Activities
Provident Bancorp Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash---
Provident Bancorp Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year9.55M15.35M23.34M
Cash & Equivalents at Year End20.46M9.55M15.35M
All figures in USD. M: Millions of USD, B: Billions of USD.

Provident Bancorp stock comparison chart provides an easy way to compare the stock price with peers along with details of Provident Bancorp stock price history.
The statement of cash flows can be categorized into three main sections:
  • Provident Bancorp has cash of $20.46M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Provident Bancorp stock price.
  • Cash Flow from operating activities: Provident Bancorp reported a positive operating cash flow of $6.81M for 2015 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-74.96M for PVBC stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $79.05M for Provident Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For Provident Bancorp Cash Flow

FCF margin