` Comparison: IBCP, PNC - Alpha Spread

IBCP
vs
PNC

Over the past 12 months, IBCP 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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IBCP
PNC
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Stocks Compared:
IBCP PNC
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Valuation Comparison

IBCP Intrinsic Value
41.14 USD
Undervaluation 14%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Independent Bank Corp (Michigan)
NASDAQ:IBCP
35.22 USD
PNC Financial Services Group Inc
NYSE:PNC
210.89 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
IBCP, PNC

IBCP
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
Independent Bank Corp (Michigan)
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
IBCP, PNC

IBCP
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
Independent Bank Corp (Michigan)
NASDAQ:IBCP
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

IBCP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Independent Bank Corp (Michigan)
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

IBCP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Independent Bank Corp (Michigan)
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

IBCP
29.8%
PNC
27.3%

FCF Margin

IBCP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Independent Bank Corp (Michigan)
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

IBCP
14.5%
PNC
10.7%

ROA

IBCP
1.3%
PNC
1.1%

ROIC

IBCP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Independent Bank Corp (Michigan)
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

IBCP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Independent Bank Corp (Michigan)
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
IBCP, PNC

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IBCP
PNC
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Performance Gap
IBCP, PNC

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

Performance By Year
IBCP, PNC

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IBCP
PNC
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