Is PROV or RBB more undervalued in 2026?

CirclFi compares Provident Financial Holdings, I (PROV) and RBB Bancorp (RBB) using 13 institutional-grade valuation models. PROV has a Quality of Company score of 7.4/10 while RBB scores 8.2/10.

Which is a better buy — PROV or RBB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PROV and RBB valuations compare?

PROV at $17.11 and RBB at $23.77 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PROV vs RBB Valuation Comparison 2026 — Intrinsic Value Analysis

PROV

Banks - Regional

Provident Financial Holdings, I

Quality

7.4

out of 10

Value Trap

SAFE

Price

$17.11

Last close

Models

10/13

Active

RBB

Banks - Regional

RBB Bancorp

Quality

8.2

out of 10

Value Trap

SAFE

Price

$23.77

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	PROV Fair Value	PROV Upside	RBB Fair Value	RBB Upside
Bayesian DCF	Intrinsic	$2.61	-84.8%	$33.66	+41.6%
Earnings Power Value	Intrinsic	—	—	$27.39	+15.2%
EROIC Spread	Intrinsic	$7.01	-59.0%	$23.90	+0.6%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PROV vs RBB — Which Stock Is More Undervalued?

RBB scores higher with a 8.2/10 quality rating vs PROV's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Provident Financial Holdings, I (PROV) and RBB Bancorp (RBB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PROV currently trades at $17.11 with a QOC of 7.4/10, while RBB trades at $23.77 with a QOC of 8.2/10.

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 Topology), and ensemble methods (CUCE).