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Provident Bancorp (PVBC) investor relations material
Provident Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $2.7 million ($0.16 per diluted share), up from $716,000 ($0.04 per share) in Q3 2024; nine-month net income was $7.7 million ($0.45 per share), up from $2.4 million ($0.14 per share) year-over-year.
Return on average assets for Q3 2025 was 0.70%; return on average equity was 4.45%.
A merger with NB Bancorp, Inc. was approved and is expected to close around November 15, 2025.
Financial highlights
Net interest and dividend income for Q3 2025 increased 6.3% to $13.2 million; for the nine months, it rose 7.4% to $39.6 million.
Net interest margin for Q3 2025 was 3.67%, up from 3.38% in Q3 2024.
Noninterest income for Q3 2025 was $1.6 million; nine-month noninterest income rose 12.7% year-over-year to $5.2 million.
Noninterest expense for Q3 2025 was $11.4 million, down 5.4% sequentially and 1.2% year-over-year.
Credit loss benefit of $418,000 recognized in Q3 2025, compared to a $1.7 million expense in Q3 2024.
Outlook and guidance
The merger with NB Bancorp is expected to close in mid-November 2025, with all regulatory approvals received.
No material impact is expected from recent federal tax legislation.
Management notes forward-looking risks including merger status, economic conditions, interest rates, regulatory changes, and exposure to fintech and digital asset clients.
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Next Provident Bancorp earnings date
Q4 202527 Jan, 2026
Next Provident Bancorp earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Provident Bancorp, Inc. operates as the holding company for BankProv, a commercial bank providing a range of financial services. The company primarily focuses on offering commercial loans, deposit products, and cash management services to small and medium-sized businesses. BankProv also serves niche markets, including cryptocurrency, renewable energy, and specialty lending. The bank provides digital banking solutions and is known for its forward-thinking approach to integrating technology into its operations. Additionally, it offers personal banking services, such as checking and savings accounts, mortgages, and personal loans. The company is headquartered in Amesbury, Massachusetts, and its shares are listed on the NASDAQ.
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