` Comparison: UVSP, PNC - Alpha Spread

UVSP
vs
PNC

Over the past 12 months, UVSP has outperformed PNC, delivering a return of +12% compared to the PNC's +6% growth.

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

UVSP Intrinsic Value
44.07 USD
Undervaluation 21%
Intrinsic Value
Price
PNC Intrinsic Value
232.9761 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Univest Financial Corp
NASDAQ:UVSP
34.9 USD
PNC Financial Services Group Inc
NYSE:PNC
211.0675 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
UVSP, PNC

UVSP
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
Univest 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
UVSP, PNC

UVSP
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
Univest Financial Corp
NASDAQ:UVSP
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

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

Operating Margin

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

Net Margin

UVSP
27.2%
PNC
27.3%

FCF Margin

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

ROE

UVSP
9.6%
PNC
10.7%

ROA

UVSP
1%
PNC
1.1%

ROIC

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

ROCE

UVSP
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Univest 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
UVSP, PNC

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

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

Performance By Year
UVSP, PNC

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PNC
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