` Comparison: VBNK, PNC - Alpha Spread

VBNK
vs
PNC

Over the past 12 months, VBNK has underperformed PNC, delivering a return of -1% compared to the PNC's +9% growth.

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VBNK
PNC
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

VBNK Intrinsic Value
Not Available
PNC Intrinsic Value
240.56 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
VersaBank
TSX:VBNK
15.8 CAD
PNC Financial Services Group Inc
NYSE:PNC
195.81 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
VBNK, PNC

VBNK
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
VersaBank
Revenue
PNC Financial Services Group Inc
Revenue

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

Profitability Comparison

Free Cash Flow
VBNK, PNC

VBNK
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
VersaBank
TSX:VBNK
FCF is not applicable for financial companies
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

VBNK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

VBNK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

VBNK
34.2%
PNC
26.4%

FCF Margin

VBNK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

VBNK
7.6%
PNC
10.6%

ROA

VBNK
1%
PNC
1.1%

ROIC

VBNK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

VBNK
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
VersaBank
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
VBNK, PNC

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Performance Gap
VBNK, PNC

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VBNK
PNC
Difference
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Performance By Year
VBNK, PNC

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VBNK
PNC
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