About Provident Bancorp, Inc. (PVBC) — Dividend Analysis 2026
Provident Bancorp, Inc. operates as the bank holding company for The Provident Bank that provides various financial services to individuals and small businesses in the United States. It offers checking, term certificate, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial real estate, multi-family residential real estate, commercial business, construction and land development, mortgage warehouse, one- to four-family residential, and consumer loans, as well as home equity loans and lines of credit; and invests in securities, and state and municipal bonds. As of December 31, 2021, it operated through its main office and six branch offices located in Amesbury and Newburyport, Massachusetts; and Bedford, Exeter, Portsmouth, and Seabrook, New Hampshire, as well as two loan production offices located in Boston, Massachusetts, and Ponte Vedra, Florida. The company was founded in 1828 and is headquartered in Amesbury, Massachusetts.
Is PVBC a good dividend investment in 2026?
PVBC offers a 14.81% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
PVBC DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your PVBC portfolio grows to $4.70M vs $3.96M without reinvestment. This is the compound interest effect in action.
PVBC dividend growth history & forecast
PVBC has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 14.81%.
FCF ($12M) is below dividends paid ($36M) — risk of cut (FCF: $12M · Dividends est.: $36M)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → -0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 PVBC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PVBC.
Gross yield
14.81%
Tax rate
15.00%
After-tax yield
12.59%
Real yield (−CPI)
9.79%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
14.81%
12.01%
$1,481 / yr
🇺🇸 US Taxable (15%) ✓
15%
12.59%
9.79%
$1,259 / yr
🇺🇸 US Taxable (20%)
20%
11.85%
9.05%
$1,185 / yr
🇬🇧 UK ISA
0%
14.81%
12.01%
$1,481 / yr
🇬🇧 UK Taxable
8.75%
13.51%
10.71%
$1,351 / yr
🇨🇦 TFSA
0%
14.81%
12.01%
$1,481 / yr
🇨🇦 CA Taxable
25%
11.11%
8.31%
$1,111 / yr
🇦🇺 Super (pension)
15%
12.59%
9.79%
$1,259 / yr
🇦🇺 AU Taxable
30%
10.37%
7.57%
$1,037 / yr
🇩🇪 DE Taxable
26.375%
10.90%
8.10%
$1,090 / yr
🇫🇷 FR Taxable
30%
10.37%
7.57%
$1,037 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PVBC Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your PVBC investment of $13.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$14.2K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$11.7K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in PVBC for:
Shares needed
14,118
Capital required
$190,593
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PVBC Dividend Payment Schedule
PVBC pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 PVBC vs Financial Services Benchmarks
How PVBC compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+11.91% vs sectorBetter
PVBC
14.81%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
PVBC
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
PVBC
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PVBC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PVBC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
Insider
Title
Type
Date
Shares
Price
Total Value
DeLeo James A
director
D-Return
2025-11-15
21,245
$13.00
$276.2K
Reilly Joseph B
director, officer: President and CEO
D-Return
2025-11-15
3,471
$13.00
$45.1K
Fisher Kenneth R
officer: EVP and CFO
D-Return
2025-11-15
25,000
$13.00
$325.0K
Sullivan Arthur
director
D-Return
2025-11-15
10,000
$13.00
$130.0K
Mancini Joseph
officer: EVP and COO
D-Return
2025-11-15
1,914
$13.00
$24.9K
POLLACK DENNIS
director
D-Return
2025-11-15
47,721
$13.00
$620.4K
Piette Barbara
director
D-Return
2025-11-15
20,710
$13.00
$269.2K
Cousins Frank G Jr
director
D-Return
2025-11-15
202
$13.00
$2.6K
Knapp Laurie H
director
D-Return
2025-11-15
151
$13.00
$2.0K
DeStefano Lisa
director
D-Return
2025-11-15
2,000
$13.00
$26.0K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🎯
Analyst Price Target
Wall Street consensus
Current Price
$13.50
Analyst Target
$12.00
Upside / Downside
-11.1%
Range
$12.00 – $12.00
💡 If PVBC reaches the analyst target of $12.00, investors buying today at $13.50 would see an effective yield of 16.67% on shares purchased at target price — vs 14.81% at current price.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
📅
Next Earnings Report: 2026-04-23(in 23 days)
🔬
Financial Health Scores
Altman Z-Score
-0.54
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
8/9
✅ Strong fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PVBC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →