PVBC vs HERZ

Comparison between Provident Bancorp Inc (PVBC, Company) and Herzfeld Credit Income Fund Inc Com (HERZ, Company).

Both PVBC and HERZ are from the Financial Services sector.

PVBC vs HERZ - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PVBC(COMPANY)	HERZ(COMPANY)
Market Cap	$230M	$230M
Max Drawdown	71.13%	46.61%
Sharpe Ratio	0.68	0.49
5Y Beta	0.46	N/A
Industry	Banks - Regional	Asset Management
P/E Ratio	18.19	-345.65
Forward P/E	19.72	N/A
PEG Ratio	0.14	N/A
Debt to Equity	3.10%	N/A
Free Cash Flow Yield	5.73%	N/A
P/S Ratio	2.48	203.38
P/B Ratio	0.96	5.13

Market Cap

Winner

PVBC

$230M

HERZ

$230M

Max Drawdown

PVBC

71.13%

Winner

HERZ

46.61%

Sharpe Ratio

Winner

PVBC

0.68

HERZ

0.49

5Y Beta

PVBC

0.46

HERZ

N/A

Industry

PVBC

Banks - Regional

HERZ

Asset Management

P/E Ratio

PVBC

18.19

Winner

HERZ

-345.65

Forward P/E

PVBC

19.72

HERZ

N/A

PEG Ratio

PVBC

0.14

HERZ

N/A

Debt to Equity

PVBC

3.10%

HERZ

N/A

Free Cash Flow Yield

PVBC

5.73%

HERZ

N/A

P/S Ratio

Winner

PVBC

2.48

HERZ

203.38

P/B Ratio

Winner

PVBC

0.96

HERZ

5.13

PVBC vs HERZ - Historical Returns

Returns include dividend reinvestment.

Period	PVBC	HERZ
1 month	+0.00%	-6.76%
3 months	+0.00%	+10.69%
6 months	+0.00%	-11.96%
1 year	+14.31%	+16.76%
5 years(CAGR)	-3.53%	N/A
10 years(CAGR)	+6.81%	N/A
Max(CAGR)	+7.40%	+17.77%

Winner

PVBC

+0.00%

HERZ

-6.76%

PVBC

+0.00%

Winner

HERZ

+10.69%

Winner

PVBC

+0.00%

HERZ

-11.96%

PVBC

+14.31%

Winner

HERZ

+16.76%

5Y(CAGR)

PVBC

-3.53%

HERZ

N/A

10Y(CAGR)

PVBC

+6.81%

HERZ

N/A

Max(CAGR)

PVBC

+7.40%

Winner

HERZ

+17.77%

PVBC vs HERZ - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	PVBC	HERZ
2026	+0.00%	-20.82%
2025	+21.08%	+49.49%
2024	+10.25%	N/A
2023	+38.51%	N/A
2022	-59.54%	N/A
2021	+54.12%	N/A
2020	-2.62%	N/A
2019	+17.14%	N/A
2018	-17.41%	N/A
2017	+43.75%	N/A
2016	+37.69%	N/A
2015	+1.09%	N/A

PVBC vs HERZ Drawdown Comparison

The maximum drawdown for PVBC was -70.91%, occurring on May 4, 2023. This drawdown has not yet recovered.

The maximum drawdown for HERZ was -33.63%, occurring on Feb 27, 2026. This drawdown has not yet recovered.

The current PVBC drawdown is -32.29%. The current HERZ drawdown is -21.89%.

Rank	PVBC	HERZ
#1	-70.91% Nov 16, 2021 - May 4, 2023	-33.63% Dec 31, 2025 - Feb 27, 2026
#2	-50.55% Sep 25, 2018 - Mar 12, 2021	-16.24% Jul 8, 2025 - Nov 21, 2025
#3	-16.42% Jun 16, 2017 - Nov 2, 2017	-3.99% Dec 29, 2025 - Dec 31, 2025
#4	-15.37% Apr 4, 2018 - Jun 22, 2018	-3.44% Dec 4, 2025 - Dec 26, 2025
#5	-13.30% Jan 11, 2018 - Mar 21, 2018	-1.16% Nov 21, 2025 - Dec 2, 2025
#6	-12.92% Sep 15, 2015 - Dec 18, 2015	N/A
#7	-11.24% Nov 6, 2017 - Dec 21, 2017	N/A
#8	-10.74% Jun 3, 2021 - Oct 18, 2021	N/A
#9	-10.47% Mar 16, 2021 - Apr 1, 2021	N/A
#10	-10.03% Aug 15, 2018 - Sep 24, 2018	N/A
#11	-9.47% Dec 8, 2016 - Jan 30, 2017	N/A
#12	-8.58% Mar 20, 2017 - May 1, 2017	N/A
#13	-8.22% May 1, 2017 - Jun 9, 2017	N/A
#14	-8.07% Jun 26, 2018 - Aug 14, 2018	N/A
#15	-7.93% May 21, 2021 - Jun 3, 2021	N/A