` Comparison: PAZ vs MTB - Alpha Spread

P
PAZ
vs
MTB

Over the past 12 months, PAZ has underperformed MTB, delivering a return of -20% compared to the MTB's +9% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PAZ
MTB
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Stocks Compared:
PAZ MTB
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Valuation Comparison

P
PAZ Intrinsic Value
149.36 EUR
Undervaluation 12%
Intrinsic Value
Price
MTB Intrinsic Value
239.13 USD
Undervaluation 8%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
P
Park National Corp
F:PAZ
131 EUR
M&T Bank Corp
NYSE:MTB
218.94 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PAZ, MTB

PAZ
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
P
Park National Corp
Revenue
M&T Bank Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
PAZ, MTB

PAZ
MTB
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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
P
Park National Corp
F:PAZ
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PAZ
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

PAZ
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

PAZ
32.2%
MTB
27.9%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
M&T Bank Corp

FCF Margin

PAZ
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

PAZ
13.7%
MTB
9.3%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
M&T Bank Corp

ROA

PAZ
1.8%
MTB
1.3%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
M&T Bank Corp

ROIC

PAZ
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

PAZ
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
P
Park National Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PAZ, MTB

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PAZ
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PAZ, MTB

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PAZ
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PAZ, MTB

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PAZ
MTB
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