ETF Evaluator:
FIS Faith Income ETF ()
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(as of Aug 26)
Best Performing in Intermediate Core Bond Over the Last Year
| 7.3% | Aptus Enhanced Yield ETF (JUCY) |
| 6.6% | SGI Enhanced Core ETF (USDX) |
| 5.9% | Hartford Schroders Tax-Aware Bond ETF (HTAB) |
| 5.1% | Overlay Shares Core Bond ETF (OVB) |
| 4.8% | NEOS Enhanced Income Aggregate Bond ETF (BNDI) |
Risk
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Risk
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ETF Details
FIS Faith Income ETF Overview
FIS Faith Income ETF (FTHB) is an actively managed Taxable Bond Intermediate Core Bond exchange-traded fund (ETF). Faith Investor launched the ETF in 2026.
The investment seeks to provide current income, with long-term capital preservation as a secondary objective.
The fund will invest, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in fixed-income securities issued by biblically aligned entities. Under normal circumstances, it invests primarily in income producing securities, including U.S. and foreign investment grade”) corporate bonds, common stock and preferred stock, bonds issued by the U.S. Treasury, asset-backed and mortgage-backed securities and other securitized products.
About FIS Faith Income ETF (FTHB)
There are 4 members of the management team with an average tenure of 0.37 years: Jeffrey Kernagis (2026), Devin Ryder (2026), Joe Hegener (2026) and Kevin Yin (2026). Management tenure is more important for actively managed ETFs than passive index ETFs.
FIS Faith Income ETF has 19 securities in its portfolio. The top 10 holdings constitute 78.4% of the ETF’s assets. The ETF meets the SEC requirement of being classified as a diversified fund. The ETF is not considered to have an ESG focus with its investment selection and management.
FIS Faith Income ETF is part of the Fixed Income global asset class and is within the Taxable Bond ETF group. FIS Faith Income ETF has 3.2% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 5.1% There is 0.0% allocated to foreign stock, and 5.7% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 81.8% (78.6% domestic bond, 3.2% foreign bond and 0.0% convertible bond). FIS Faith Income ETF has 6.5% of the portfolio in cash.
Assets Under Management
The fund has $10 million in total assets, which is below the $6 billion average for the Intermediate Core Bond category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
FTHB Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The FIS Faith Income ETF expense ratio is above average compared to funds in the Intermediate Core Bond category. FIS Faith Income ETF has an expense ratio of 0.65%, which is 103% higher than its category average, making the fund expense ratio grade a F. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. FIS Faith Income ETF has a portfolio turnover rate of 0%, which indicates that it holds its assets around /years. By way of comparison, the average portfolio turnover is 95% for the Intermediate Core Bond category.
Recently, in the month of July 2026, FIS Faith Income ETF returned -0.3%, which earned it a grade of A, as the Intermediate Core Bond category had an average return of -1.2%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all ETFs in that category.
FIS Faith Income ETF has a trailing yield of 0.00%, which is below the 4.44% category average.
The fund normally distributes its income monthly and its capital gains annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
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FTHB Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| FTHB Return (NAV) | -0.3% | 0.8% | na | na | na | na |
| FTHB Return (Price) | 0.0% | 1.0% | na | na | na | na |
| NAV +/- Price Return | -0.371% | -0.180% | na | na | na | na |
| Intermediate Core Bond Avg | -1.2% | -0.7% | 3.0% | 4.0% | -0.3% | 1.5% |
| FTHB Grade (NAV) | A | A | na | na | na | na |
| +/- Category (NAV) | 0.9% | 1.5% | na | na | na | na |
| FTHB Tax-Cost Ratio | na | na | na | na | na | na |
FTHB Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| FTHB Return (NAV) | na | na | na | na | na | na | na | na | na | na | na |
| FTHB Return (Price) | na | na | na | na | na | na | na | na | na | na | na |
| NAV +/- Price Ret | na | na | na | na | na | na | na | na | na | na | na |
| Intermediate Core Bond Avg | -0.4% | 7.1% | 1.9% | 6.0% | -13.2% | -1.5% | 7.6% | 9.1% | -0.5% | 3.7% | 3.0% |
| FTHB Grade (NAV) | na | na | na | na | na | na | na | na | na | na | na |
| +/- Category | na | na | na | na | na | na | na | na | na | na | na |
| Risk Measures | |
| Beta: | na |
| R-Squared: | na |
| Standard Deviation: | na |
| Category Risk Index: | na |
| Category Risk Rating: | |
| Total Risk Index: | na |
| Total Risk Rating: | |
| Portfolio Characteristics | |
| Yield: | -- |
| Total Assets: | $ 10 Mil |
| Share Class Assets: | $ 10 Mil |
| Turnover: | na |
| Expense Ratio: | 0.65% |
| Index Fund: | No |
| Index Tracked: | N/A |
| Index Weighting: | 100% |
| Leveraged: | No |
| Socially Responsible Fund: | No |
| Capital Gains Distribution Frequency: | Annually |
| Income Distribution Frequency: | Monthly |
Management Team
| Number of Managers: 4 | |||
| Longest Tenure: 0.4 years | |||
| Average Tenure: 0.4 years | |||
| Managers (Year): Kernagis Jeffrey (2026), Ryder Devin (2026), Hegener Joe (2026), Yin Kevin (2026) | |||
Portfolio Composition (as of 7/31/26)
| # of Holdings: | 19 |
| % in Top 10 Holdings: | 78.4% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 3.2% |
Portfolio Allocation |
|
| Domestic Stock: | 5.1% |
| Foreign Stock: | 0.0% |
| Preferred Stock: | 5.7% |
| Domestic Bond: | 78.6% |
| Foreign Bond: | 3.2% |
| Convertible Bond: | 0.0% |
| Other: | 0.8% |
| Cash: | 6.5% |
Purchase Information
| Legal Structure: | Open Ended Investment Company |
| Fund Family: | Faith Investor |
| Phone Number: | 833-833-1311 |
| Website: | |
| Inception Date: | March 18, 2026 |
Expenses and Fees
| Expense Ratio (%): | 0.65% (Rating: Above Avg) |
| Category Average Expense Ratio (%): | 0.32% |
