` Comparison: UCBN vs PNC - Alpha Spread

UCBN
vs
PNC

Over the past 12 months, UCBN has underperformed PNC, delivering a return of -6% compared to the PNC's +21% growth.

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UCBN
PNC
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Valuation Comparison

UCBN Intrinsic Value
Not Available
PNC Intrinsic Value
213.25 USD
Overvaluation 11%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
United Community Banks Inc
F:UCBN
30.6 EUR
PNC Financial Services Group Inc
NYSE:PNC
240.95 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
UCBN, PNC

UCBN
PNC
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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
United Community Banks Inc
Revenue
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
UCBN, PNC

UCBN
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
United Community Banks Inc
F:UCBN
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

UCBN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

UCBN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

UCBN
20.4%
PNC
28.5%

FCF Margin

UCBN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

UCBN
5.7%
PNC
11.6%

ROA

UCBN
0.7%
PNC
1.2%

ROIC

UCBN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

UCBN
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UCBN, PNC

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Performance Gap
UCBN, PNC

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UCBN
PNC
Difference
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Performance By Year
UCBN, PNC

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UCBN
PNC
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