` Comparison: PFBC, MTB - Alpha Spread

PFBC
vs
MTB

Over the past 12 months, PFBC has underperformed MTB, delivering a return of +8% compared to the MTB's +14% growth.

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PFBC
MTB
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

PFBC Intrinsic Value
119.54 USD
Undervaluation 23%
Intrinsic Value
Price
MTB Intrinsic Value
248.36 USD
Undervaluation 22%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Preferred Bank
NASDAQ:PFBC
92.42 USD
M&T Bank Corp
NYSE:MTB
194.34 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PFBC, MTB

PFBC
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
Preferred Bank
Revenue
M&T Bank Corp
Revenue

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

Profitability Comparison

Free Cash Flow
PFBC, MTB

PFBC
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
Preferred Bank
NASDAQ:PFBC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

PFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

PFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

PFBC
44.8%
MTB
27%
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
M&T Bank Corp

FCF Margin

PFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

PFBC
17.2%
MTB
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
M&T Bank Corp

ROA

PFBC
1.8%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
M&T Bank Corp

ROIC

PFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

PFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Preferred Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
PFBC, MTB

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Performance Gap
PFBC, MTB

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PFBC
MTB
Difference
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Performance By Year
PFBC, MTB

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PFBC
MTB
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