Head to Head Analysis: Provident Bancorp (NASDAQ:PVBC) and FB Bancorp (NASDAQ:FBLA)

Provident Bancorp (NASDAQ:PVBC) and FB Bancorp (NASDAQ:FBLA) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, profitability, dividends, analyst recommendations, valuation and institutional ownership.

Profitability

This table compares Provident Bancorp and FB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Provident Bancorp	4.75%	1.95%	0.28%
FB Bancorp	-5.39%	-1.93%	-0.37%

Institutional & Insider Ownership

74.6% of Provident Bancorp shares are held by institutional investors. 4.6% of Provident Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings and price targets for Provident Bancorp and FB Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Provident Bancorp	0	1	0	0	2.00
FB Bancorp	0	0	0	0	0.00

Provident Bancorp presently has a consensus target price of $12.50, indicating a potential upside of 5.84%. Given Provident Bancorp’s stronger consensus rating and higher possible upside, research analysts clearly believe Provident Bancorp is more favorable than FB Bancorp.

Valuation and Earnings

This table compares Provident Bancorp and FB Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Provident Bancorp	$95.37 million	2.20	$7.27 million	$0.26	45.42
FB Bancorp	$85.90 million	2.50	-$6.21 million	N/A	N/A

Provident Bancorp has higher revenue and earnings than FB Bancorp.

Summary

Provident Bancorp beats FB Bancorp on 9 of the 10 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 FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.