` TMP (Tompkins Financial Corp) vs PNC (PNC Financial Services Group Inc) Comparison - Alpha Spread

T
TMP
vs
PNC

Over the past 12 months, TMP has outperformed PNC, delivering a return of +12% compared to the PNC's +12% growth.

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TMP
PNC
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

T
TMP Intrinsic Value
83.51 USD
Undervaluation 22%
Intrinsic Value
Price
PNC Intrinsic Value
239.81 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
T
Tompkins Financial Corp
AMEX:TMP
65.49 USD
PNC Financial Services Group Inc
NYSE:PNC
196.52 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TMP vs PNC

TMP
PNC
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
T
Tompkins Financial Corp
Revenue
PNC Financial Services Group Inc
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
TMP vs PNC

TMP
PNC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
T
Tompkins Financial Corp
AMEX:TMP
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

TMP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

TMP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

TMP
23.9%
PNC
26.4%

FCF Margin

TMP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

TMP
10.5%
PNC
10.6%

ROA

TMP
0.9%
PNC
1.1%

ROIC

TMP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

TMP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
TMP vs PNC

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Performance Gap
TMP vs PNC

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TMP
PNC
Difference
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Performance By Year
TMP vs PNC

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TMP
PNC
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