` Comparison: GABC, PNC - Alpha Spread

GABC
vs
PNC

Over the past 12 months, GABC has underperformed PNC, delivering a return of -5% compared to the PNC's +6% growth.

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

GABC Intrinsic Value
56.84 USD
Undervaluation 27%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
German American Bancorp Inc
NASDAQ:GABC
41.69 USD
PNC Financial Services Group Inc
NYSE:PNC
210.2 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
GABC, PNC

GABC
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
German American Bancorp 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
GABC, PNC

GABC
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
German American Bancorp Inc
NASDAQ:GABC
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

GABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

GABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

GABC
30.3%
PNC
27.3%

FCF Margin

GABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

GABC
10.8%
PNC
10.7%

ROA

GABC
1.4%
PNC
1.1%

ROIC

GABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

GABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp 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
GABC, PNC

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GABC
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
GABC, PNC

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

Performance By Year
GABC, PNC

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GABC
PNC
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