` Comparison: PFS, FNMA - Alpha Spread

PFS
vs
FNMA

Over the past 12 months, PFS has underperformed FNMA, delivering a return of +12% compared to the FNMA's +315% growth.

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PFS
FNMA
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Stocks Compared:
PFS FNMA
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Valuation Comparison

PFS Intrinsic Value
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FNMA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Provident Financial Services Inc
NYSE:PFS
20.93 USD
Federal National Mortgage Association
OTC:FNMA
10.99 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PFS, FNMA

PFS
FNMA
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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
Provident Financial Services Inc
Revenue
Federal National Mortgage Association
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PFS, FNMA

PFS
FNMA
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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
Provident Financial Services Inc
NYSE:PFS
FCF is not applicable for financial companies
Federal National Mortgage Association
OTC:FNMA
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What is Free Cash Flow?

Gross Margin

PFS
FNMA
15.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial Services Inc
Not applicable for financial companies
Federal National Mortgage Association

Operating Margin

PFS
FNMA
11.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial Services Inc
Not applicable for financial companies
Federal National Mortgage Association

Net Margin

PFS
30.1%
FNMA
0%

FCF Margin

PFS
FNMA
3.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial Services Inc
Not applicable for financial companies
Federal National Mortgage Association

ROE

PFS
9.5%
FNMA
0%

ROA

PFS
1.1%
FNMA
0%

ROIC

PFS
FNMA
0.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial Services Inc
Not applicable for financial companies
Federal National Mortgage Association

ROCE

PFS
FNMA
0.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Provident Financial Services Inc
Not applicable for financial companies
Federal National Mortgage Association

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PFS, FNMA

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PFS
FNMA
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Performance Gap
PFS, FNMA

Performance Gap Between PFS and FNMA
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Performance By Year
PFS, FNMA

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PFS
FNMA
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