` 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 14% compared to the PNC's 21% growth.

Valuation Comparison

CZNC Intrinsic Value
25.02 USD
Undervaluation 23%
Intrinsic Value
Price
PNC Intrinsic Value
241.83 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citizens & Northern Corp
NASDAQ:CZNC
19.17 USD
PNC Financial Services Group Inc
NYSE:PNC
185.75 USD

Financials 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
PNC Financial Services Group Inc
NYSE:PNC
What is Free Cash Flow?

Gross Margin

CZNC
0%
PNC
0%

Operating Margin

CZNC
0%
PNC
0%

Net Margin

CZNC
24.4%
PNC
25.9%

FCF Margin

CZNC
24.8%
PNC
36%

ROE

CZNC
9.8%
PNC
10.5%

ROA

CZNC
1%
PNC
1%

ROIC

CZNC
0%
PNC
0%

ROCE

CZNC
0%
PNC
0%

Stocks Performance

Stocks Performance
CZNC vs PNC

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CZNC
PNC
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1Y 3Y 5Y 10Y 15Y 20Y

Performance Gap
CZNC vs PNC

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

Performance By Year
CZNC vs PNC

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CZNC
PNC
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