` Comparison: UMB, PNC - Alpha Spread

UMB
vs
PNC

Over the past 12 months, UMB has underperformed PNC, delivering a return of -17% compared to the PNC's 2% drop.

Valuation Growth Profitability Solvency Stocks Performance
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UMB
PNC
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Stocks Compared:
UMB PNC
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Valuation Comparison

UMB Intrinsic Value
153.6 EUR
Undervaluation 36%
Intrinsic Value
Price
PNC Intrinsic Value
259.78 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
UMB Financial Corp
F:UMB
98 EUR
PNC Financial Services Group Inc
NYSE:PNC
199.61 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
UMB, PNC

UMB
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
UMB Financial Corp
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
UMB, PNC

UMB
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
UMB Financial Corp
F:UMB
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

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

Operating Margin

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

Net Margin

UMB
25.2%
PNC
27.3%

FCF Margin

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

ROE

UMB
10.8%
PNC
10.7%

ROA

UMB
1%
PNC
1.1%

ROIC

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

ROCE

UMB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
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
UMB, PNC

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UMB
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
UMB, PNC

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UMB
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
UMB, PNC

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UMB
PNC
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