` Comparison: ISTR, PNC - Alpha Spread

ISTR
vs
PNC

Over the past 12 months, ISTR has outperformed PNC, delivering a return of +27% compared to the PNC's +9% growth.

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ISTR
PNC
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Stocks Compared:
ISTR PNC
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Valuation Comparison

ISTR 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
Investar Holding Corp
NASDAQ:ISTR
27.68 USD
PNC Financial Services Group Inc
NYSE:PNC
210.2 USD
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Valuation Scenario:
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Base Case
Bull Case

Growth Comparison

Growth Over Time
ISTR, PNC

ISTR
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
Investar Holding 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
ISTR, PNC

ISTR
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
Investar Holding Corp
NASDAQ:ISTR
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

ISTR
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

ISTR
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

ISTR
25.2%
PNC
27.3%

FCF Margin

ISTR
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

ISTR
8.3%
PNC
10.7%

ROA

ISTR
0.8%
PNC
1.1%

ROIC

ISTR
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

ISTR
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding 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
ISTR, PNC

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ISTR
PNC
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Performance Gap
ISTR, PNC

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

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ISTR
PNC
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