` Comparison: TMP, FCNCA - Alpha Spread

T
TMP
vs
FCNCA

Over the past 12 months, TMP has outperformed FCNCA, delivering a return of +6% compared to the FCNCA's +2% growth.

Valuation Growth Profitability Solvency Stocks Performance
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TMP
FCNCA
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Stocks Compared:
TMP FCNCA
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Valuation Comparison

TMP Intrinsic Value
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FCNCA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
T
Tompkins Financial Corp
AMEX:TMP
73.72 USD
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
2 188.39 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
TMP, FCNCA

TMP
FCNCA
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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
T
Tompkins Financial Corp
Revenue
First Citizens BancShares Inc (Delaware)
Revenue

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

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Profitability Comparison

Free Cash Flow
TMP, FCNCA

TMP
FCNCA
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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
T
Tompkins Financial Corp
AMEX:TMP
FCF is not applicable for financial companies
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TMP
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Operating Margin

TMP
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Net Margin

TMP
25.7%
FCNCA
23.8%

FCF Margin

TMP
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROE

TMP
11.2%
FCNCA
10.1%

ROA

TMP
1%
FCNCA
1%

ROIC

TMP
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROCE

TMP
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TMP, FCNCA

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TMP
FCNCA
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Performance Gap
TMP, FCNCA

Performance Gap Between TMP and FCNCA
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Performance By Year
TMP, FCNCA

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TMP
FCNCA
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