Provident Bancorp Annual Income Statement (NASDAQ:PVBC)

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$15.7 $0.1 (0.63%) PVBC stock closing price Oct 21, 2016 (Closing)

Looking at financial statements, along with the Provident Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement for PVBC which implies a YoY revenue growth of $2.08M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. The Provident Bancorp profit and loss statement for 2015 shows a profit of $3.82M. Profits have reduced from $4.56M YoY. Apart from this an investor should also check Provident Bancorp assets and Provident Bancorp free cash flow. Provident Bancorp revenue for 2015 is $29.25M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013
Provident Bancorp Net Sales or Revenues
Cost Of Goods Sold (COGS)1.63M1.72M1.71M
Provident Bancorp Gross Profit
Research & Development Expense---
Selling General & Admin Expense21.89M18.87M18.53M
Income Before Depreciation Depletion Amortization5.73M6.58M6.52M
Depreciation Depletion Amortization---
Non Operating Income---
Interest Expense0.54M0.56M0.9M
Provident Bancorp Pretax Income
Provision for Income Taxes1.36M1.45M1.6M
Minority Interest---
Investment Gains Losses---
Other Income---
Income Before Extraordinaries & Disc Operations3.82M4.56M4.01M
Extraordinary Items & Discontinued Operations---
Provident Bancorp Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS---
Average Shares used to compute Basic EPS---
Income Before Nonrecurring Items---
Income from Nonrecurring Items---
Provident Bancorp Earnings Per Share Basic Net
Provident Bancorp Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items---
Preferred Dividends Acc Pd---
Dividends Common---
Dividend Per Share Common---
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing Provident Bancorp stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth (See: Provident Bancorp revenue chart) implies that the company is growing, which has been the case with Provident Bancorp. One must stay away from stocks whose revenues are declining.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $29.25M - other expenses = $3.82M for PVBC stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Provident Bancorp historical stock prices to check how the price has moved with time. .

Provident Bancorp Income Statement - Key Financial Ratios

PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield