` Comparison: WABC, PNC - Alpha Spread

WABC
vs
PNC

Over the past 12 months, WABC has underperformed PNC, delivering a return of -6% compared to the PNC's +10% growth.

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

WABC Intrinsic Value
48.02 USD
Overvaluation 2%
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
Westamerica Bancorp
NASDAQ:WABC
49.25 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
WABC, PNC

WABC
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
Westamerica 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
WABC, PNC

WABC
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
Westamerica Bancorp
NASDAQ:WABC
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

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

Operating Margin

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

Net Margin

WABC
45.4%
PNC
27.3%

FCF Margin

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

ROE

WABC
13.1%
PNC
10.7%

ROA

WABC
2%
PNC
1.1%

ROIC

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

ROCE

WABC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Westamerica 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
WABC, PNC

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

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

Performance By Year
WABC, PNC

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WABC
PNC
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