` Comparison: HAFC, PNC - Alpha Spread

HAFC
vs
PNC

Over the past 12 months, HAFC has outperformed PNC, delivering a return of +22% compared to the PNC's +11% growth.

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HAFC
PNC
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Stocks Compared:
HAFC PNC
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Valuation Comparison

HAFC 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
Hanmi Financial Corp
NASDAQ:HAFC
28.95 USD
PNC Financial Services Group Inc
NYSE:PNC
212.21 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HAFC, PNC

HAFC
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
Hanmi Financial Corp
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
HAFC, PNC

HAFC
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
Hanmi Financial Corp
NASDAQ:HAFC
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

HAFC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

HAFC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

HAFC
27.7%
PNC
27.3%

FCF Margin

HAFC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

HAFC
9.5%
PNC
10.7%

ROA

HAFC
0.9%
PNC
1.1%

ROIC

HAFC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

HAFC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Hanmi Financial Corp
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
HAFC, PNC

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HAFC
PNC
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Performance Gap
HAFC, PNC

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

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HAFC
PNC
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