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Profile - Provident Bancorp, Inc/NY (NasdaqNM:PBCP)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 24Dividend payment of $0.07
Location
400 Rella Boulevard
Montebello, NY 10901
Phone: (845) 369-8040
Fax: (845) 369-8060
Email: info@providentbanking.com
Employees (last reported count): 199
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 66%
·Over the last 6 months:
 · one insider buy; 1,000  shares
·Institutional: 7% (20% of float)
(15 institutions)
·Net Inst. Buying: 70.0K shares (+11.33%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Provident Bancorp, Inc. was organized for the purpose of acting as the stock holding company of Provident Bank. The Bank is engaged primarily in the business of offering various FDIC-insured savings and demand deposits to customers through its 13 full-service offices, and using those deposits, together with funds generated from operations and borrowings, to originate one- to four-family residential and commercial real estate, consumer, construction and commercial business loans. The Bank also invests in investment- and mortgage-backed securities. Additional products and services offered include the sale of mutual funds and annuities, and investment management and trust services.
More from Market Guide: Expanded Business Description

Financial Summary
PBCP is a bank holding company for Provident Bank, a state-chartered mutual savings and loan association operating 13 branches in New York. For the nine months ended 6/30/01, interest income rose 5% to $45.9 million. Net interest income after loan loss prov. rose 6% to $24.4 million. Net income rose 34% to $5.5 million. Net interest income reflects increased loan balances and a higher net interest margin. Net income reflects increased gains on the sale of securities for sale.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

William Helmer, 66
Chairman of Directors
--  
George Strayton, 57
Pres, CEO
$1.2M
Dennis Coyle, 64
Vice Chairman
--  
Robert Sansky, 53
Exec. VP of HR
526K
Daniel Rothstein, 53
Exec. VP, CCO and Regulatory Counsel
577K
Dollar amounts are as of 30-Sep-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:PBCPAs of 31-Aug-2001
Price and Volume
52-Week Low
on 24-Oct-2000
$15.188
Recent Price$21.11 
52-Week High
on 5-June-2001
$21.52 
Beta0.22 
Daily Volume (3-month avg)5,682 
Daily Volume (10-day avg)3,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+33.0%
52-Week Change
relative to S&P500
+78.4%
Share-Related Items
Market Capitalization$170.0M
Shares Outstanding8.05M
Float2.70M
Dividends & Splits
Annual Dividend (indicated)$0.28 
Dividend Yield1.33%
Last Splitnone 
Per-Share Data
Book Value (mrq)$12.31 
Earnings (ttm)$0.95 
Earnings (mrq)$0.27 
Sales (ttm)$7.97 
Cash (mrq)$2.10 
Valuation Ratios
Price/Book (mrq)1.71 
Price/Earnings (ttm)22.29 
Price/Sales (ttm)2.65 
Income Statements
Sales (ttm)$61.2M
EBITDAN/A 
Income available to common (ttm)$7.27M
Profitability
Profit Margin (ttm)11.9%
Operating Margin (ttm)53.1%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.85%
Return on Equity (ttm)7.75%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$16.9M
Short Interest
As of 8-Aug-2001
Shares Short55.0K
Percent of Float2.0%
Shares Short
(Prior Month)
69.0K
Short Ratio18.33 
Daily Volume3,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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