` Comparison: PEBK, MTB - Alpha Spread

PEBK
vs
MTB

Over the past 12 months, PEBK has outperformed MTB, delivering a return of +26% compared to the MTB's +14% growth.

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PEBK
MTB
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Stocks Compared:
PEBK MTB
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Valuation Comparison

PEBK Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Peoples Bancorp of North Carolina Inc
NASDAQ:PEBK
35.43 USD
M&T Bank Corp
NYSE:MTB
214.64 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
PEBK, MTB

PEBK
MTB
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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
Peoples Bancorp of North Carolina Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PEBK, MTB

PEBK
MTB
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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
Peoples Bancorp of North Carolina Inc
NASDAQ:PEBK
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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Gross Margin

PEBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Peoples Bancorp of North Carolina Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

PEBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Peoples Bancorp of North Carolina Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

PEBK
19.5%
MTB
27.3%

FCF Margin

PEBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Peoples Bancorp of North Carolina Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

PEBK
11.7%
MTB
9.1%

ROA

PEBK
1%
MTB
1.2%

ROIC

PEBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Peoples Bancorp of North Carolina Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

PEBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Peoples Bancorp of North Carolina Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PEBK, MTB

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PEBK
MTB
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Performance Gap
PEBK, MTB

Performance Gap Between PEBK and MTB
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Performance By Year
PEBK, MTB

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PEBK
MTB
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