Financial insights of PVBC

MyFinsight

For the quarter ending 2025-09-30, PVBC made $42,426K in revenue. $2,670K in net income. Net profit margin of 6.29%.

Income Overview

Revenue
$42,426K
Net Income
$2,670K
Net Profit Margin
6.29%
EPS
$0.16
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	19,606	20,085	19,307	21,257
Interest and dividends on debt securities available-for-sale	220	231	260	240
Interest on short-term investments	1,484	984	1,013	932
Total interest and dividend income	21,310	21,300	20,580	22,429
Interest on deposits	7,877	7,261	7,369	9,068
Interest on short-term borrowings	219	482	306	916
Interest on long-term borrowings	28	30	30	36
Total interest expense	8,124	7,773	7,705	10,020
Net interest and dividend income	13,186	13,527	12,875	12,409
Credit loss (benefit) expense - loans	-353	-384	70	1,666
Credit loss (benefit) expense - off-balance sheet credit exposures	-65	6	-82	27
Total credit loss (benefit) expense	-418	-378	-12	1,693
Net interest and dividend income after credit loss (benefit) expense	13,604	13,905	12,887	10,716
Charges and fees-Customer Service Fees	686	690	-	-
Charges and fees-Other Service Fees	306	-	-	-
Charges and fees	-	-	991	1,299
Charges and fees-Other Service Fees	-	442	-	-
Bank owned life insurance income	349	335	327	327
Other income	217	764	62	82
Total noninterest income	1,558	2,231	1,380	1,708
Salaries and employee benefits	7,749	7,338	7,576	7,267
Occupancy expense	426	376	448	452
Equipment expense	115	120	144	159
Deposit insurance	331	294	332	334
Data processing	429	410	421	416
Marketing expense	61	62	45	57
Professional fees	823	1,124	569	800
Directors' compensation	197	197	195	233
Software depreciation and implementation	532	532	553	614
Insurance expense	224	224	221	303
Service fees	294	371	318	405
Other	253	1,043	610	536
Total noninterest expense	11,434	12,091	11,432	11,576
Income before income tax expense	3,728	4,045	2,835	848
Income tax expense	1,058	1,221	665	132
Net income	2,670	2,824	2,170	716

Average number of common shares outstanding to calculate basic earnings per common share (in shares)	16,897,892	16,860,744	16,822,196	16,748,404
Basic (in dollars per share)	0.16	0.17	0.13	0.04
Diluted (in dollars per share)	0.16	0.17	0.13	0.04
Diluted (in shares)	17,071,693	16,954,078	16,924,083	16,811,614

MyFinsight

Income Overview

Revenue
$42,426K
Net Income
$2,670K
Net Profit Margin
6.29%
EPS
$0.16
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$42,426K
Net Income
$2,670K
Net Profit Margin
6.29%
EPS
$0.16
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$42,426KNet Income$2,670KNet Profit Margin6.29%EPS$0.16Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$42,426KNet Income$2,670KNet Profit Margin6.29%EPS$0.16Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$42,426K
Net Income
$2,670K
Net Profit Margin
6.29%
EPS
$0.16
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$42,426K
Net Income
$2,670K
Net Profit Margin
6.29%
EPS
$0.16
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others