PROV vs. XLF
Compare and contrast key facts about Provident Financial Holdings, Inc. (PROV) and Financial Select Sector SPDR Fund (XLF).
XLF is a passively managed fund by State Street that tracks the performance of the Financial Select Sector Index. It was launched on Dec 16, 1998.
Performance
PROV vs. XLF - Performance Comparison
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PROV vs. XLF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PROV Provident Financial Holdings, Inc. | 3.02% | 3.68% | 31.37% | -4.32% | -13.54% | 8.80% | -25.43% | 45.18% | -13.11% | -6.36% |
XLF Financial Select Sector SPDR Fund | -9.27% | 14.90% | 30.56% | 12.03% | -10.59% | 34.80% | -1.74% | 31.88% | -13.06% | 22.00% |
Returns By Period
In the year-to-date period, PROV achieves a 3.02% return, which is significantly higher than XLF's -9.27% return. Over the past 10 years, PROV has underperformed XLF with an annualized return of 2.89%, while XLF has yielded a comparatively higher 12.45% annualized return.
PROV
- 1D
- 0.81%
- 1M
- 1.50%
- YTD
- 3.02%
- 6M
- 6.03%
- 1Y
- 16.09%
- 3Y*
- 10.34%
- 5Y*
- 2.83%
- 10Y*
- 2.89%
XLF
- 1D
- 0.14%
- 1M
- -3.13%
- YTD
- -9.27%
- 6M
- -6.60%
- 1Y
- 0.91%
- 3Y*
- 17.30%
- 5Y*
- 9.37%
- 10Y*
- 12.45%
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Return for Risk
PROV vs. XLF — Risk / Return Rank
PROV
XLF
PROV vs. XLF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Provident Financial Holdings, Inc. (PROV) and Financial Select Sector SPDR Fund (XLF). 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.
| PROV | XLF | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.99 | 0.05 | +0.94 |
Sortino ratioReturn per unit of downside risk | 1.50 | 0.19 | +1.30 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.03 | +0.17 |
Calmar ratioReturn relative to maximum drawdown | 2.90 | 0.05 | +2.84 |
Martin ratioReturn relative to average drawdown | 6.68 | 0.16 | +6.52 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PROV | XLF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.99 | 0.05 | +0.94 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.13 | 0.50 | -0.37 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.11 | 0.56 | -0.46 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.18 | 0.20 | -0.02 |
Correlation
The correlation between PROV and XLF is 0.22, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
PROV vs. XLF - Dividend Comparison
PROV's dividend yield for the trailing twelve months is around 3.45%, more than XLF's 1.60% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PROV Provident Financial Holdings, Inc. | 3.45% | 3.52% | 3.52% | 4.44% | 4.07% | 3.39% | 3.56% | 2.56% | 3.61% | 2.93% | 2.47% | 2.49% |
XLF Financial Select Sector SPDR Fund | 1.60% | 1.31% | 1.42% | 1.71% | 2.04% | 1.63% | 2.03% | 1.87% | 2.08% | 1.48% | 21.10% | 1.95% |
Drawdowns
PROV vs. XLF - Drawdown Comparison
The maximum PROV drawdown since its inception was -91.83%, which is greater than XLF's maximum drawdown of -82.69%. Use the drawdown chart below to compare losses from any high point for PROV and XLF.
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Drawdown Indicators
| PROV | XLF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -91.83% | -82.69% | -9.14% |
Max Drawdown (1Y)Largest decline over 1 year | -5.33% | -14.79% | +9.46% |
Max Drawdown (5Y)Largest decline over 5 years | -35.37% | -25.81% | -9.56% |
Max Drawdown (10Y)Largest decline over 10 years | -48.25% | -42.86% | -5.39% |
Current DrawdownCurrent decline from peak | -14.22% | -11.89% | -2.33% |
Average DrawdownAverage peak-to-trough decline | -31.03% | -20.10% | -10.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.31% | 4.96% | -2.65% |
Volatility
PROV vs. XLF - Volatility Comparison
The current volatility for Provident Financial Holdings, Inc. (PROV) is 3.25%, while Financial Select Sector SPDR Fund (XLF) has a volatility of 4.76%. This indicates that PROV experiences smaller price fluctuations and is considered to be less risky than XLF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PROV | XLF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.25% | 4.76% | -1.51% |
Volatility (6M)Calculated over the trailing 6-month period | 9.30% | 11.45% | -2.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.34% | 19.25% | -2.91% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 21.34% | 18.69% | +2.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 27.34% | 22.18% | +5.16% |