Quick Summary — PROV scores higher on quality with 7.4/10 vs PNBK's 5.2/10. PNBK trades at $1.11 while PROV trades at $16.91. Both analyzed daily using SEC EDGAR data across 13 institutional models.
PROV scores higher with a 7.4/10 quality rating vs PNBK's 5.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $1.11, PNBK trades +49.9% above its Bayesian DCF fair value of $0.56, while PROV at $16.91 trades +88.7% above its estimate of $1.91. PROV shows a wider gap between price and intrinsic value.
PNBK earns a Quality of Company score of 5.2/10 compared to PROV's 7.4/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
PNBK carries a SAFE value trap risk (24/100) while PROV shows SAFE risk (20/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both PNBK and PROV operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).
11 hidden models compare PNBK vs PROV differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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