` Comparison: VLY vs PNC - Alpha Spread

VLY
vs
PNC

Over the past 12 months, VLY has outperformed PNC, delivering a return of +37% compared to the PNC's +18% growth.

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VLY
PNC
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Valuation Comparison

VLY Intrinsic Value
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PNC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Valley National Bancorp
NASDAQ:VLY
13.155 USD
PNC Financial Services Group Inc
NYSE:PNC
222.065 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VLY, PNC

VLY
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
Valley National Bancorp
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
VLY, PNC

VLY
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
Valley National Bancorp
NASDAQ:VLY
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

VLY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

VLY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

VLY
28.1%
PNC
28.5%

FCF Margin

VLY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

VLY
7.5%
PNC
11.6%

ROA

VLY
0.9%
PNC
1.2%

ROIC

VLY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

VLY
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Valley National Bancorp
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
VLY, PNC

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Performance Gap
VLY, PNC

Performance Gap Between VLY and PNC
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Performance By Year
VLY, PNC

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VLY
PNC
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Compare VLY to other stocks
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FITB
Fifth Third Bancorp
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MTB
M&T Bank Corp
More expensive
vs VLY
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett