Provident Bancorp Inc (PVBC) — Financial Flexibility Index
Provident Bancorp Inc (PVBC) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $5.03 Million (operating CF $4.93 Million minus capex $101.00K) represents 0% of total liabilities ($1.25 Billion). Check Provident Bancorp Inc (PVBC) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Provident Bancorp Inc Financial Flexibility Index (2013–2024)
Historical Financial Flexibility Index trend for Provident Bancorp Inc across 12 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Provident Bancorp Inc.
Annual Financial Flexibility Index for Provident Bancorp Inc (2013–2024)
Year-by-year free cash flow to debt coverage for Provident Bancorp Inc. Explore debt repayment capacity of Provident Bancorp Inc to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $12.27 Million | $11.90 Million | $1.36 Billion | ▲ +121.4% |
| 2023 | 0.00x | $5.89 Million | $5.55 Million | $1.45 Billion | ▼ -73.8% |
| 2022 | 0.02x | $22.17 Million | $21.91 Million | $1.43 Billion | ▼ -6.2% |
| 2021 | 0.02x | $24.73 Million | $24.31 Million | $1.50 Billion | ▲ +10.0% |
| 2020 | 0.02x | $19.09 Million | $18.18 Million | $1.27 Billion | ▼ -43.6% |
| 2019 | 0.03x | $23.75 Million | $17.51 Million | $890.86 Million | ▲ +18.1% |
| 2018 | 0.02x | $19.15 Million | $16.75 Million | $848.50 Million | ▲ +37.6% |
| 2017 | 0.02x | $12.90 Million | $9.48 Million | $786.49 Million | ▲ +18.8% |
| 2016 | 0.01x | $9.48 Million | $8.61 Million | $686.39 Million | ▲ +2.7% |
| 2015 | 0.01x | $8.64 Million | $6.82 Million | $641.99 Million | ▼ -4.6% |
| 2014 | 0.01x | $8.22 Million | $7.65 Million | $582.82 Million | ▲ +157.5% |
| 2013 | 0.01x | $3.04 Million | $2.50 Million | $554.83 Million | — |