Provident Bancorp [PVBC] vs Nu Holdings [NU] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Provident Bancorp Inc. wins in 11 metrics, Nu Holdings Ltd. wins in 7 metrics, with 0 ties. Provident Bancorp Inc. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Provident Bancorp Inc. | Nu Holdings Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 18.24 | 25.60 | Provident Bancorp Inc. |
| Price-to-Book Ratio | 0.99 | 6.39 | Provident Bancorp Inc. |
| Debt-to-Equity Ratio | 0.06 | 0.47 | Provident Bancorp Inc. |
| PEG Ratio | 0.06 | 12.95 | Provident Bancorp Inc. |
| Profit Margin (TTM) | 20.20% | 41.04% | Nu Holdings Ltd. |
| Operating Margin (TTM) | 30.28% | 52.15% | Nu Holdings Ltd. |
| EBITDA Margin (TTM) | 30.28% | 52.15% | Nu Holdings Ltd. |
| Return on Equity | 5.37% | 30.28% | Nu Holdings Ltd. |
| Return on Assets (TTM) | 0.80% | 4.60% | Nu Holdings Ltd. |
| Free Cash Flow (TTM) | $11.53M | $3.16B | Nu Holdings Ltd. |
| 1-Year Return | 22.73% | 9.33% | Provident Bancorp Inc. |
| Price-to-Sales Ratio (TTM) | 3.87 | 10.32 | Provident Bancorp Inc. |
| Enterprise Value | $102.25M | $61.08B | Nu Holdings Ltd. |
| EV/Revenue Ratio | 1.65 | 8.74 | Provident Bancorp Inc. |
| Revenue per Share (TTM) | $4 | $1 | Provident Bancorp Inc. |
| Earnings per Share (Diluted) | $0.74 | $0.58 | Provident Bancorp Inc. |
| Beta (Stock Volatility) | 0.26 | 1.11 | Provident Bancorp Inc. |
| Short % of Float | 2.11% | 3.57% | Provident Bancorp Inc. |
Provident Bancorp Inc. vs Nu Holdings Ltd. Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Provident Bancorp Inc. | 3.05% | 4.90% | 7.06% | 6.89% | 20.64% | 22.06% |
| Nu Holdings Ltd. | -2.43% | -8.24% | -15.89% | -21.59% | -32.37% | -30.02% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Provident Bancorp Inc. | 22.73% | 81.21% | 32.74% | 118.09% | 112.26% | 112.26% |
| Nu Holdings Ltd. | 9.33% | 88.38% | 10.80% | 10.80% | 10.80% | 10.80% |
Performance & Financial Health Analysis: Provident Bancorp Inc. vs Nu Holdings Ltd.
| Metric | PVBC | NU |
|---|---|---|
| Market Information | ||
| Market Cap | $240.08M | $70.28B |
| Market Cap Category | Micro cap | Large cap |
| 10 Day Avg. Volume | 136,607 | 35,805,275 |
| 90 Day Avg. Volume | 73,256 | 48,322,045 |
| Last Close | $13.50 | $11.64 |
| 52 Week Range | $10.38 - $13.75 | $11.20 - $18.98 |
| % from 52W High | -1.82% | -38.67% |
| All-Time High | $20.14 (Nov 15, 2021) | $18.98 (Jan 29, 2026) |
| % from All-Time High | -32.97% | -38.67% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.22% | 0.44% |
| Quarterly Earnings Growth | 2.73% | 0.62% |
| Financial Health | ||
| Profit Margin (TTM) | 0.20% | 0.41% |
| Operating Margin (TTM) | 0.30% | 0.52% |
| Return on Equity (TTM) | 0.05% | 0.30% |
| Debt to Equity (MRQ) | 0.06 | 0.47 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $13.69 | $2.33 |
| Cash per Share (MRQ) | $7.99 | $3.36 |
| Operating Cash Flow (TTM) | $16.43M | $-9,360,818,176 |
| Levered Free Cash Flow (TTM) | $0 | $2.87B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | $0.00 | N/A |
Valuation & Enterprise Metrics Analysis: Provident Bancorp Inc. vs Nu Holdings Ltd.
| Metric | PVBC (Dec 03, 2025) | NU (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 18.24 | 25.60 |
| Forward P/E | 37.50 | 12.95 |
| PEG Ratio | 0.06 | 12.95 |
| Price to Sales (TTM) | 3.87 | 10.32 |
| Price to Book (MRQ) | 0.99 | 6.39 |
| Market Capitalization | ||
| Market Capitalization | $240.08M | $70.28B |
| Enterprise Value | $102.25M | $61.08B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.65 | 8.74 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.26 | 1.11 |
| Book Value per Share (MRQ) | $13.69 | $2.33 |
Financial Statements Comparison: Provident Bancorp Inc. vs Nu Holdings Ltd.
Financial Metrics
Loading Financial Charts...
Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | PVBC (2024) | NU (2025) |
|---|---|---|
| Revenue/Sales | 55.27M | 10.63B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 9.38M | 3.87B |
| Pre-Tax Income % of Revenue | 17.0% | 36.4% |
| Income Tax | 2.11M | 996.75M |
| Income Tax % of Revenue | 3.8% | 9.4% |
| Net Income (Profit) | 7.27M | 2.87B |
| Profit Margin | 13.2% | 27.0% |
Balance Sheet & Liquidity Metrics
| Metric | PVBC (2024) | NU (2025) |
|---|---|---|
| Cash & Equivalents | 169.14M | 20.93B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 13.43M | 299.00M |
| Long-Term Debt % of Revenue | 24.3% | 2.8% |
| Total Shareholders Equity | 231.09M | 11.32B |
| Retained Earnings | 113.56M | 6.41B |
| Retained Earnings % of Revenue | 205.5% | 60.3% |
| Property, Plant & Equipment | 3.43M | 49.79M |
Cash Flow Statement Comparison
| Metric | PVBC (2024) | NU (2025) |
|---|---|---|
| Operating Cash Flow | 2.78M | 2.44B |
| Operating Cash Flow % of Revenue | 5.0% | 23.0% |
| Capital Expenditures | -370,000 | -7.22M |
| Free Cash Flow | 11.53M | 3.16B |
| FCF Margin | 20.9% | 29.7% |
| Debt Repayment | N/A | -539.46M |
| Common Stock Repurchase | -56,000 | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PVBC | NU |
|---|---|---|
| Shares Short | 365,865 | 135.40M |
| Short Ratio | 9.25 | 2.26 |
| Short % of Float | 2.11% | 3.57% |
| Shares Outstanding | 17.78M | 4.86B |
| Float Shares | 14.51M | 3.63B |
| % Held by Insiders | 10.41% | 5.61% |
| % Held by Institutions | 45.86% | 85.71% |
| % Held by Public | 43.73% | 8.68% |
Dividend Analysis & Yield Comparison: Provident Bancorp Inc. vs Nu Holdings Ltd.
| Metric | PVBC | NU |
|---|---|---|
| Last 12-Month Dividend | $0.00 | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | $0.01 | N/A |
| 3-Year Avg Dividend Yield | 0.26% | N/A |
| 3-Year Total Dividends | $0.04 | N/A |
| Ex-Dividend Date | Aug 11, 2022 | N/A |