` Comparison: PNBK vs MTB - Alpha Spread
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PNBK
vs
MTB

Over the past 12 months, PNBK has outperformed MTB, delivering a return of +20% compared to the MTB's +17% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PNBK
MTB
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Stocks Compared:
PNBK MTB
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Valuation Comparison

PNBK Intrinsic Value
0.58 USD
Overvaluation 54%
Intrinsic Value
Price
MTB Intrinsic Value
239.13 USD
Undervaluation 7%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Patriot National Bancorp Inc
NASDAQ:PNBK
1.26 USD
M&T Bank Corp
NYSE:MTB
221.85 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PNBK, MTB

PNBK
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
Patriot National Bancorp 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
PNBK, MTB

PNBK
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
Patriot National Bancorp Inc
NASDAQ:PNBK
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PNBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Patriot National Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

PNBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Patriot National Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

PNBK
-74.8%
MTB
27.9%

FCF Margin

PNBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Patriot National Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

PNBK
-35.9%
MTB
9.3%

ROA

PNBK
-2.1%
MTB
1.3%

ROIC

PNBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Patriot National Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

PNBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Patriot National Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Patriot National Bancorp Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PNBK, MTB

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PNBK
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PNBK, MTB

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PNBK
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PNBK, MTB

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PNBK
MTB
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