` FSBC (Five Star Bancorp) vs PNC (PNC Financial Services Group Inc) Comparison - Alpha Spread

FSBC
vs
PNC

Over the past 12 months, FSBC has underperformed PNC, delivering a return of +15% compared to the PNC's +18% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
FSBC
PNC
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
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

FSBC Intrinsic Value
38.86 USD
Undervaluation 23%
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
Five Star Bancorp
NASDAQ:FSBC
30.01 USD
PNC Financial Services Group Inc
NYSE:PNC
197.33 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FSBC vs PNC

FSBC
PNC
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Five Star Bancorp
Revenue
PNC Financial Services Group Inc
Revenue

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

Profitability Comparison

Free Cash Flow
FSBC vs PNC

FSBC
PNC
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Five Star Bancorp
NASDAQ:FSBC
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

FSBC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FSBC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FSBC
36.2%
PNC
25.9%

FCF Margin

FSBC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FSBC
13.8%
PNC
10.5%

ROA

FSBC
1.3%
PNC
1%

ROIC

FSBC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FSBC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
FSBC vs PNC

Loading

Performance Gap
FSBC vs PNC

Loading
FSBC
PNC
Difference
www.alphaspread.com

Performance By Year
FSBC vs PNC

Loading
FSBC
PNC
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare FSBC to other stocks
Unlock Full Access to Alpha Spread
Create Free Account