` Comparison: UNTY, PNC - Alpha Spread

UNTY
vs
PNC

Over the past 12 months, UNTY has outperformed PNC, delivering a return of +29% compared to the PNC's +10% growth.

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

UNTY Intrinsic Value
77.97 USD
Undervaluation 29%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Unity Bancorp Inc
NASDAQ:UNTY
55.6 USD
PNC Financial Services Group Inc
NYSE:PNC
211.78 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
UNTY, PNC

UNTY
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
Unity Bancorp Inc
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
UNTY, PNC

UNTY
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
Unity Bancorp Inc
NASDAQ:UNTY
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

UNTY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Unity Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

UNTY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Unity Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

UNTY
43.2%
PNC
27.3%

FCF Margin

UNTY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Unity Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

UNTY
17.5%
PNC
10.7%

ROA

UNTY
2%
PNC
1.1%

ROIC

UNTY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Unity Bancorp Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

UNTY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Unity Bancorp Inc
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
UNTY, PNC

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

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

Performance By Year
UNTY, PNC

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UNTY
PNC
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