` CZNC (Citizens & Northern Corp) vs PNC (PNC Financial Services Group Inc) Comparison - Alpha Spread

CZNC
vs
PNC

Over the past 12 months, CZNC has underperformed PNC, delivering a return of +5% compared to the PNC's +18% growth.

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CZNC
PNC
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

CZNC Intrinsic Value
25.21 USD
Undervaluation 21%
Intrinsic Value
Price
PNC Intrinsic Value
239.4 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citizens & Northern Corp
NASDAQ:CZNC
19.88 USD
PNC Financial Services Group Inc
NYSE:PNC
197.02 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CZNC vs PNC

CZNC
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
Citizens & Northern Corp
Revenue
PNC Financial Services Group Inc
Revenue

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

Profitability Comparison

Free Cash Flow
CZNC vs PNC

CZNC
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
Citizens & Northern Corp
NASDAQ:CZNC
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

CZNC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

CZNC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

CZNC
24.4%
PNC
25.9%

FCF Margin

CZNC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

CZNC
9.8%
PNC
10.5%

ROA

CZNC
1%
PNC
1%

ROIC

CZNC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

CZNC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
CZNC vs PNC

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Performance Gap
CZNC vs PNC

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CZNC
PNC
Difference
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Performance By Year
CZNC vs PNC

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CZNC
PNC
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