FTHB vs. PRAY

Last updated Jul 8, 2026

FTHB (FIS Faith Income ETF) and PRAY (FIS Biblically Responsible Risk Managed ETF) are both exchange-traded funds - FTHB is a Intermediate Core Bond fund actively managed by Faith Investor Services, while PRAY is a Large Cap Blend Equities fund tracking the NONE. FTHB is actively managed, while PRAY is passively managed. A 0.68 correlation means they provide meaningful diversification when combined. FTHB charges 0.65%/yr vs 0.69%/yr for PRAY.

Performance

FTHB vs. PRAY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in FIS Faith Income ETF (FTHB) and FIS Biblically Responsible Risk Managed ETF (PRAY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

FTHB

• 1D: -0.36%
• 1M: 0.66%
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

PRAY

• 1D: -0.95%
• 1M: 0.96%
• 6M: 9.98%
• YTD: 12.80%
• 1Y: 15.57%
• 3Y*: 14.66%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

FTHB vs. PRAY - Yearly Performance Comparison

	2026 (YTD)
FTHB FIS Faith Income ETF	2.09%
PRAY FIS Biblically Responsible Risk Managed ETF	8.31%

Correlation

The correlation between FTHB and PRAY is 0.68, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Mar 19, 2026	0.68

Return for Risk

FTHB vs. PRAY — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FTHB

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

PRAY

PRAY Risk / Return Rank: 40
PRAY Sharpe Ratio Rank: 36
PRAY Sortino Ratio Rank: 38
PRAY Omega Ratio Rank: 33
PRAY Calmar Ratio Rank: 40
PRAY Martin Ratio Rank: 51

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FTHB vs. PRAY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for FIS Faith Income ETF (FTHB) and FIS Biblically Responsible Risk Managed ETF (PRAY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	FTHB	PRAY	Difference
Sharpe ratio: Return per unit of total volatility	—	1.13	—
Sortino ratio: Return per unit of downside risk	—	1.71	—
Omega ratio: Gain probability vs. loss probability	—	1.20	—
Calmar ratio: Return relative to maximum drawdown	—	1.78	—
Martin ratio: Return relative to average drawdown	—	7.30	—

Drawdowns

FTHB vs. PRAY - Drawdown Comparison

The maximum FTHB drawdown since its inception was -1.36%, smaller than the maximum PRAY drawdown of -21.40%. Use the drawdown chart below to compare losses from any high point for FTHB and PRAY.

Drawdown Indicators

	FTHB	PRAY	Difference
Max Drawdown Largest peak-to-trough decline	-1.36%	-21.40%	+20.04%
Max Drawdown (1Y) Largest decline over 1 year	—	-8.80%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-17.13%	—
Current Drawdown Current decline from peak	-0.36%	-2.52%	+2.16%
Average Drawdown Average peak-to-trough decline	-0.31%	-5.36%	+5.05%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	2.14%	—

Volatility

Volatility by Period

	FTHB	PRAY	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	6.27%	—
Volatility (6M) Calculated over the trailing 6-month period	—	11.97%	—
Volatility (1Y) Calculated over the trailing 1-year period	4.25%	13.89%	-9.64%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	4.25%	16.11%	-11.86%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	4.25%	16.11%	-11.86%

FTHB vs. PRAY - Expense Ratio Comparison

FTHB has a 0.65% expense ratio, which is lower than PRAY's 0.69% expense ratio.

Dividends

FTHB vs. PRAY - Dividend Comparison

FTHB's dividend yield for the trailing twelve months is around 1.01%, more than PRAY's 0.61% yield.

Position	TTM	2025	2024	2023	2022
FTHB FIS Faith Income ETF	1.01%	0.00%	0.00%	0.00%	0.00%
PRAY FIS Biblically Responsible Risk Managed ETF	0.61%	0.69%	0.76%	0.83%	1.20%

Frequently Asked Questions

Can I hold both FTHB and PRAY in my portfolio?

FTHB and PRAY have a correlation of 0.68, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, FTHB or PRAY?

On fees, FTHB is cheaper at 0.65% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, FTHB or PRAY?

FTHB is cheaper with a 0.65% expense ratio, compared with 0.69% for PRAY.

Which ETF pays a higher dividend yield, FTHB or PRAY?

FTHB has the higher dividend yield at 1.01%, compared with 0.61% for PRAY.

What is the main difference between FTHB and PRAY?

FTHB is categorized as Intermediate Core Bond, while PRAY is Large Cap Blend Equities. Their fees differ too: 0.65% for FTHB and 0.69% for PRAY.