` Comparison: SPNO vs FCNCA - Alpha Spread

SPNO
vs
FCNCA

Over the past 12 months, SPNO has outperformed FCNCA, delivering a return of +1% compared to the FCNCA's 4% drop.

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

SPNO 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
Spar Nord Bank A/S
CSE:SPNO
209.6 DKK
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
2 066.015 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
SPNO, FCNCA

SPNO
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
Spar Nord Bank A/S
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
SPNO, FCNCA

SPNO
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
Spar Nord Bank A/S
CSE:SPNO
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

SPNO
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Operating Margin

SPNO
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

Net Margin

SPNO
34.7%
FCNCA
22.5%

FCF Margin

SPNO
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROE

SPNO
14%
FCNCA
9.7%

ROA

SPNO
1.4%
FCNCA
0.9%

ROIC

SPNO
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
Not applicable for financial companies
First Citizens BancShares Inc (Delaware)
Not applicable for financial companies

ROCE

SPNO
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Spar Nord Bank A/S
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
SPNO, FCNCA

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SPNO
FCNCA
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SPNO, FCNCA

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

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SPNO
FCNCA
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