` Comparison: PPBI, PNC - Alpha Spread

PPBI
vs
PNC

Over the past 12 months, PPBI has underperformed PNC, delivering a return of -16% compared to the PNC's +8% growth.

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PPBI
PNC
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...
We need a little more time to summarize the results

Valuation Comparison

PPBI Intrinsic Value
21.1 USD
Overvaluation 5%
Intrinsic Value
Price
PNC Intrinsic Value
240 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pacific Premier Bancorp Inc
NASDAQ:PPBI
22.17 USD
PNC Financial Services Group Inc
NYSE:PNC
193.37 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PPBI, PNC

PPBI
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
Pacific Premier Bancorp Inc
Revenue
PNC Financial Services Group Inc
Revenue

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

Profitability Comparison

Free Cash Flow
PPBI, PNC

PPBI
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
Pacific Premier Bancorp Inc
NASDAQ:PPBI
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

PPBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

PPBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

PPBI
24.4%
PNC
26.4%

FCF Margin

PPBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

PPBI
4.9%
PNC
10.6%

ROA

PPBI
0.8%
PNC
1.1%

ROIC

PPBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

PPBI
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Pacific Premier Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
PPBI, PNC

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Performance Gap
PPBI, PNC

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PPBI
PNC
Difference
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Performance By Year
PPBI, PNC

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PPBI
PNC
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