` Comparison: FMBM vs PNC - Alpha Spread
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FMBM
vs
PNC

Over the past 12 months, FMBM has significantly outperformed PNC, delivering a return of +55% compared to the PNC's +20% growth.

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

FMBM 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
F & M Bank Corp
OTC:FMBM
31.73 USD
PNC Financial Services Group Inc
NYSE:PNC
229.41 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FMBM, PNC

FMBM
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
F & M Bank 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
FMBM, PNC

FMBM
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
F & M Bank Corp
OTC:FMBM
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

FMBM
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
F & M Bank Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FMBM
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
F & M Bank Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FMBM
20.9%
PNC
28.5%

FCF Margin

FMBM
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
F & M Bank Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FMBM
11.1%
PNC
11.6%

ROA

FMBM
0.8%
PNC
1.2%

ROIC

FMBM
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
F & M Bank Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FMBM
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
F & M Bank Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

F & M Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
PNC Financial Services Group Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FMBM, PNC

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

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

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FMBM
PNC
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