` Comparison: TCA vs PNC - Alpha Spread

TCA
vs
PNC

Over the past 12 months, TCA has underperformed PNC, delivering a return of +7% compared to the PNC's +15% growth.

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TCA
PNC
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Stocks Compared:
TCA PNC
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Valuation Comparison

TCA Intrinsic Value
101.54 EUR
Undervaluation 19%
Intrinsic Value
Price
PNC Intrinsic Value
213.25 USD
Overvaluation 5%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Texas Capital Bancshares Inc
XMUN:TCA
82 EUR
PNC Financial Services Group Inc
NYSE:PNC
224.91 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
TCA, PNC

TCA
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
Texas Capital Bancshares Inc
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
TCA, PNC

TCA
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
Texas Capital Bancshares Inc
XMUN:TCA
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

TCA
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

TCA
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

TCA
23.4%
PNC
28.5%

FCF Margin

TCA
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

TCA
8.1%
PNC
11.6%

ROA

TCA
0.9%
PNC
1.2%

ROIC

TCA
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

TCA
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
Texas Capital Bancshares Inc
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
TCA, PNC

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TCA
PNC
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Performance Gap
TCA, PNC

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

Performance By Year
TCA, PNC

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PNC
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