` Comparison: THFF, PNC - Alpha Spread

THFF
vs
PNC

Over the past 12 months, THFF has significantly outperformed PNC, delivering a return of +41% compared to the PNC's +9% growth.

Valuation Growth Profitability Solvency Stocks Performance
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THFF
PNC
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Stocks Compared:
THFF PNC
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Valuation Comparison

THFF Intrinsic Value
91.15 USD
Undervaluation 29%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 10%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Financial Corp
NASDAQ:THFF
64.7 USD
PNC Financial Services Group Inc
NYSE:PNC
209.98 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
THFF, PNC

THFF
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
First Financial 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
THFF, PNC

THFF
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
First Financial Corp
NASDAQ:THFF
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

THFF
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

THFF
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

THFF
29.2%
PNC
27.3%

FCF Margin

THFF
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

THFF
12.5%
PNC
10.7%

ROA

THFF
1.3%
PNC
1.1%

ROIC

THFF
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

THFF
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial 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
THFF, PNC

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THFF
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
THFF, PNC

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THFF
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
THFF, PNC

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THFF
PNC
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