` Comparison: FBIZ, PNC - Alpha Spread

FBIZ
vs
PNC

Over the past 12 months, FBIZ has outperformed PNC, delivering a return of +26% compared to the PNC's +9% growth.

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

FBIZ Intrinsic Value
81.47 USD
Undervaluation 29%
Intrinsic Value
Price
PNC Intrinsic Value
233.48 USD
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Business Financial Services Inc
NASDAQ:FBIZ
57.97 USD
PNC Financial Services Group Inc
NYSE:PNC
209.5 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
FBIZ, PNC

FBIZ
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
First Business Financial Services 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
FBIZ, PNC

FBIZ
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
First Business Financial Services Inc
NASDAQ:FBIZ
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

FBIZ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Business Financial Services Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FBIZ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Business Financial Services Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FBIZ
29.5%
PNC
27.3%

FCF Margin

FBIZ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Business Financial Services Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FBIZ
14.8%
PNC
10.7%

ROA

FBIZ
1.3%
PNC
1.1%

ROIC

FBIZ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Business Financial Services Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FBIZ
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Business Financial Services 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
FBIZ, PNC

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FBIZ
PNC
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Performance Gap
FBIZ, PNC

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

Performance By Year
FBIZ, PNC

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PNC
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