Is PROV or RBCAA more undervalued in 2026?

CirclFi compares Provident Financial Holdings, I (PROV) and Republic Bancorp, Inc. (RBCAA) using 13 institutional-grade valuation models. PROV has a Quality of Company score of 7.4/10 while RBCAA scores 9.6/10.

Which is a better buy — PROV or RBCAA?

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 RBCAA valuations compare?

PROV at $17.11 and RBCAA at $80.34 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PROV vs RBCAA 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

RBCAA

Banks - Regional

Republic Bancorp, Inc.

Quality

9.6

out of 10

Value Trap

SAFE

Price

$80.34

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	PROV Fair Value	PROV Upside	RBCAA Fair Value	RBCAA Upside
Bayesian DCF	Intrinsic	$2.61	-84.8%	$71.06	-11.5%
Earnings Power Value	Intrinsic	—	—	$79.78	-0.7%
EROIC Spread	Intrinsic	$7.01	-59.0%	$52.55	-34.6%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PROV vs RBCAA — Which Stock Is More Undervalued?

RBCAA scores higher with a 9.6/10 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 Republic Bancorp, Inc. (RBCAA) 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 RBCAA trades at $80.34 with a QOC of 9.6/10.

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).