` Comparison: FGBI, PNC - Alpha Spread

FGBI
vs
PNC

Over the past 12 months, FGBI has underperformed PNC, delivering a return of -59% compared to the PNC's +10% growth.

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

FGBI 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
First Guaranty Bancshares Inc
NASDAQ:FGBI
5.03 USD
PNC Financial Services Group Inc
NYSE:PNC
211.78 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FGBI, PNC

FGBI
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 Guaranty 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
FGBI, PNC

FGBI
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 Guaranty Bancshares Inc
NASDAQ:FGBI
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

FGBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FGBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FGBI
-60.9%
PNC
27.3%

FCF Margin

FGBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FGBI
-25%
PNC
10.7%

ROA

FGBI
-1.6%
PNC
1.1%

ROIC

FGBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FGBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty 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
FGBI, PNC

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FGBI
PNC
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Performance Gap
FGBI, PNC

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

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FGBI
PNC
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