` Comparison: VJBA, FCNCA - Alpha Spread

VJBA
vs
FCNCA

Over the past 12 months, VJBA has significantly outperformed FCNCA, delivering a return of +71% compared to the FCNCA's +1% growth.

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VJBA
FCNCA
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Stocks Compared:
VJBA FCNCA
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Valuation Comparison

VJBA 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
Vestjysk Bank A/S
CSE:VJBA
7.33 DKK
First Citizens BancShares Inc (Delaware)
NASDAQ:FCNCA
2 164.37 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
VJBA, FCNCA

VJBA
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
Vestjysk 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
VJBA, FCNCA

VJBA
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
Vestjysk Bank A/S
CSE:VJBA
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

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

Operating Margin

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

Net Margin

VJBA
35.1%
FCNCA
23.8%

FCF Margin

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

ROE

VJBA
9.2%
FCNCA
10.1%

ROA

VJBA
1.2%
FCNCA
1%

ROIC

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

ROCE

VJBA
FCNCA
LTM 3Y Avg 5Y Avg 10Y Avg
Vestjysk 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
VJBA, FCNCA

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VJBA
FCNCA
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Performance Gap
VJBA, FCNCA

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

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VJBA
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