` Comparison: AFBI vs PNC - Alpha Spread

A
AFBI
vs
PNC

Over the past 12 months, AFBI has underperformed PNC, delivering a return of +1% compared to the PNC's +18% growth.

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AFBI
PNC
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Valuation Comparison

A
AFBI Intrinsic Value
13.17 USD
Overvaluation 34%
Intrinsic Value
Price
PNC Intrinsic Value
262.923 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
A
Affinity Bancshares Inc
NASDAQ:AFBI
19.9 USD
PNC Financial Services Group Inc
NYSE:PNC
212.665 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AFBI, PNC

AFBI
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
A
Affinity Bancshares 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
AFBI, PNC

AFBI
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
A
Affinity Bancshares Inc
NASDAQ:AFBI
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

AFBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

AFBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

AFBI
25.2%
PNC
28.5%

FCF Margin

AFBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

AFBI
6.5%
PNC
11.4%

ROA

AFBI
1%
PNC
1.2%

ROIC

AFBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

AFBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
A
Affinity Bancshares 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
AFBI, PNC

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Performance Gap
AFBI, PNC

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AFBI
PNC
Difference
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Performance By Year
AFBI, PNC

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AFBI
PNC
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Compare AFBI to other stocks
TFC
Truist Financial Corp
Cheaper
vs AFBI
FITB
Fifth Third Bancorp
Cheaper
vs AFBI
HBAN
Huntington Bancshares Inc
Cheaper
vs AFBI
MTB
M&T Bank Corp
Cheaper
vs AFBI
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett