Event-Driven Stocks

Provident Bancorp, Inc. /MD/

PVBC

Financials · Savings Institutions, Not Federally Chartered · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 2 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY24FY23FY22FY21FY20FY19
Revenue——————
Operating income——————
Net income$7.3M$11.0M−$21.5M$16.1M$12.1M$2.2M
Total assets$1.59B$1.67B$1.64B$1.73B$1.51B$1.12B
Total liabilities$1.36B$1.45B$1.43B$1.50B$1.27B$890.9M
Equity$231.1M$221.9M$207.5M$233.8M$235.9M$230.9M
EPS (diluted)$0.43$0.66$-1.30$0.93$0.06$0.12
Shares out.17.7M17.7M17.8M19.0M19.5M19.5M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2024
Operating margin
—
Net margin
—
Return on equity
3.1%
Return on assets
0.5%
Return on capital (ROCE)
—
Liabilities / assets
85.5%
Debt / equity
5.89×
Book value / share
$13.09
Revenue growth (YoY)
—
Net income growth (YoY)
−33.6%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2024
Accruals / assets
−0.3%clean
Piotroski F-Score
5/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
63
/ 100
Profitability 100Growth 0Catalyst 67Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 severe● 1 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
Nov 14, 2025154,8121.1-57.7%
Oct 31, 2025365,8659.0-19.4%
Oct 15, 2025453,64311.7+61.3%
Sep 30, 2025281,2507.4-3.8%
Sep 15, 2025292,26812.3+3.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)

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