Provident Bancorp [PVBC] vs U.S. Bancorp [USB] Detailed Stock Comparison

Provident Bancorp Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Provident Bancorp Inc. wins in 5 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Provident Bancorp Inc. U.S. Bancorp Better
P/E Ratio (TTM) 18.24 11.92 U.S. Bancorp
Price-to-Book Ratio 0.99 1.51 Provident Bancorp Inc.
Debt-to-Equity Ratio 0.06 1.21 Provident Bancorp Inc.
PEG Ratio 0.06 0.82 Provident Bancorp Inc.
Profit Margin (TTM) 20.20% 29.29% U.S. Bancorp
Operating Margin (TTM) 30.28% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 30.28% 37.84% U.S. Bancorp
Return on Equity 5.37% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.80% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $11.53M $7.97B U.S. Bancorp
Dividend Yield N/A 3.82% N/A
1-Year Return 22.73% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.87 3.32 U.S. Bancorp
Enterprise Value $102.25M $126.46B U.S. Bancorp
EV/Revenue Ratio 1.65 4.75 Provident Bancorp Inc.
Revenue per Share (TTM) $4 $17 U.S. Bancorp
Earnings per Share (Diluted) $0.74 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.26 1.03 Provident Bancorp Inc.
Short % of Float 2.11% 0.00% U.S. Bancorp

Provident Bancorp Inc. vs U.S. Bancorp Stock Performance Analysis

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PVBC
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Provident Bancorp Inc.3.05%4.90%7.06%6.89%20.64%22.06%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Provident Bancorp Inc.22.73%81.21%32.74%118.09%112.26%112.26%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Provident Bancorp Inc. vs U.S. Bancorp

MetricPVBCUSB
Market Information
Market Cap i$240.08M$88.06B
Market Cap CategoryMicro capLarge cap
10 Day Avg. Volume i136,6079,829,002
90 Day Avg. Volume i73,25610,401,007
Last Close$13.50$53.14
52 Week Range$10.38 - $13.75$42.55 - $61.19
% from 52W High-1.82%-13.16%
All-Time High$20.14 (Nov 15, 2021)$63.57 (Jan 10, 2022)
% from All-Time High-32.97%-16.41%
Growth Metrics
Quarterly Revenue Growth0.22%0.05%
Quarterly Earnings Growth2.73%0.14%
Financial Health
Profit Margin (TTM) i0.20%0.29%
Operating Margin (TTM) i0.30%0.38%
Return on Equity (TTM) i0.05%0.12%
Debt to Equity (MRQ) i0.061.21
Cash & Liquidity
Book Value per Share (MRQ)$13.69$37.54
Cash per Share (MRQ)$7.99$31.14
Operating Cash Flow (TTM) i$16.43M$6.04B
Levered Free Cash Flow (TTM) i$0$7.19B
Dividends
Last 12-Month Dividend Yield iN/A3.82%
Last 12-Month Dividend i$0.00$2.04

Valuation & Enterprise Metrics Analysis: Provident Bancorp Inc. vs U.S. Bancorp

MetricPVBC (Dec 03, 2025)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i18.2411.92
Forward P/E i37.5010.09
PEG Ratio i0.060.82
Price to Sales (TTM) i3.873.32
Price to Book (MRQ) i0.991.51
Market Capitalization
Market Capitalization i$240.08M$88.06B
Enterprise Value i$102.25M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i1.654.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.261.03
Book Value per Share (MRQ) i$13.69$37.54

Financial Statements Comparison: Provident Bancorp Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPVBC (2024)USB (2025)
Revenue/Sales i55.27M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i9.38M9.52B
Pre-Tax Income % of Revenue i17.0%33.3%
Income Tax i2.11M1.92B
Income Tax % of Revenue i3.8%6.7%
Net Income (Profit) i7.27M7.60B
Profit Margin i13.2%26.6%

Balance Sheet & Liquidity Metrics

MetricPVBC (2024)USB (2025)
Cash & Equivalents i169.14M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i13.43M60.76B
Long-Term Debt % of Revenue i24.3%212.9%
Total Shareholders Equity i231.09M65.65B
Retained Earnings i113.56M80.91B
Retained Earnings % of Revenue i205.5%283.5%
Property, Plant & Equipment i3.43M1.51B

Cash Flow Statement Comparison

MetricPVBC (2024)USB (2025)
Operating Cash Flow i2.78M6.04B
Operating Cash Flow % of Revenue i5.0%21.2%
Capital Expenditures i-370,000N/A
Free Cash Flow i11.53M7.97B
FCF Margin i20.9%27.9%
Debt Repayment iN/A-9.05B
Common Stock Repurchase i-56,000-489.00M

Short Interest & Institutional Ownership Analysis

MetricPVBCUSB
Shares Short i365,86527,002
Short Ratio i9.250.00
Short % of Float i2.11%0.00%
Shares Outstanding i17.78M1.56B
Float Shares i14.51M1.55B
% Held by Insiders i10.41%0.14%
% Held by Institutions i45.86%83.55%
% Held by Public i43.73%16.31%

Dividend Analysis & Yield Comparison: Provident Bancorp Inc. vs U.S. Bancorp

MetricPVBCUSB
Last 12-Month Dividend i$0.00$2.04
Last 12-Month Dividend Yield iN/A3.82%
3-Year Avg Annual Dividend i$0.01$1.98
3-Year Avg Dividend Yield i0.26%1.19%
3-Year Total Dividends i$0.04$5.95
Ex-Dividend DateAug 11, 2022Dec 31, 2025