` Comparison: HTBK, PNC - Alpha Spread

HTBK
vs
PNC

Over the past 12 months, HTBK has significantly outperformed PNC, delivering a return of +31% compared to the PNC's +8% growth.

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

HTBK Intrinsic Value
13.98 USD
Undervaluation 14%
Intrinsic Value
Price
PNC Intrinsic Value
232.82 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Heritage Commerce Corp
NASDAQ:HTBK
12.06 USD
PNC Financial Services Group Inc
NYSE:PNC
211.46 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
HTBK, PNC

HTBK
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
Heritage Commerce 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
HTBK, PNC

HTBK
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
Heritage Commerce Corp
NASDAQ:HTBK
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

HTBK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

HTBK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

HTBK
22.8%
PNC
27.3%

FCF Margin

HTBK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

HTBK
6.3%
PNC
10.7%

ROA

HTBK
0.8%
PNC
1.1%

ROIC

HTBK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

HTBK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce 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
HTBK, PNC

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

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HTBK
PNC
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HTBK, PNC

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HTBK
PNC
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