` Comparison: ABCB, PNC - Alpha Spread

ABCB
vs
PNC

Over the past 12 months, ABCB has outperformed PNC, delivering a return of +29% compared to the PNC's +17% growth.

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

ABCB Intrinsic Value
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PNC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Ameris Bancorp
NASDAQ:ABCB
76.87 USD
PNC Financial Services Group Inc
NYSE:PNC
218.98 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ABCB, PNC

ABCB
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
Ameris Bancorp
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
ABCB, PNC

ABCB
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
Ameris Bancorp
NASDAQ:ABCB
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

ABCB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

ABCB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

ABCB
33.4%
PNC
27.3%

FCF Margin

ABCB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

ABCB
10.3%
PNC
10.7%

ROA

ABCB
1.5%
PNC
1.1%

ROIC

ABCB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

ABCB
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
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
ABCB, PNC

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ABCB
PNC
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Performance Gap
ABCB, PNC

Performance Gap Between ABCB and PNC
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Performance By Year
ABCB, PNC

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ABCB
PNC
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