Provident Bancorp (NASDAQ:PVBC – Get Free Report) and SR Bancorp (NASDAQ:SRBK – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, earnings, analyst recommendations, profitability, risk and dividends.
Valuation & Earnings
This table compares Provident Bancorp and SR Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Provident Bancorp | $57.07 million | 3.43 | $10.95 million | $0.84 | 13.21 |
| SR Bancorp | $26.88 million | 3.84 | -$10.86 million | N/A | N/A |
Provident Bancorp has higher revenue and earnings than SR Bancorp.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Provident Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| SR Bancorp | 0 | 0 | 0 | 0 | N/A |
Provident Bancorp presently has a consensus target price of $11.00, indicating a potential downside of 0.90%. Given Provident Bancorp’s higher probable upside, equities analysts clearly believe Provident Bancorp is more favorable than SR Bancorp.
Insider & Institutional Ownership
74.6% of Provident Bancorp shares are held by institutional investors. Comparatively, 24.7% of SR Bancorp shares are held by institutional investors. 3.9% of Provident Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Profitability
This table compares Provident Bancorp and SR Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Provident Bancorp | 7.28% | 3.17% | 0.42% |
| SR Bancorp | -28.30% | -5.52% | -1.01% |
Summary
Provident Bancorp beats SR Bancorp on 8 of the 9 factors compared between the two stocks.
About Provident Bancorp
Provident Bancorp, Inc. is a Maryland corporation that was formed in 2019 to be the successor corporation to Provident Bancorp, Inc., a Massachusetts corporation, and the holding company for The Provident Bank. The Provident Bank, a subsidiary of Provident Bancorp, Inc. is an innovative, commercial bank that finds solutions for its business and private clients.
About SR Bancorp
SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.
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