` Comparison: 3RY vs MTB - Alpha Spread

3RY
vs
MTB

Over the past 12 months, 3RY has underperformed MTB, delivering a return of -10% compared to the MTB's +6% growth.

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3RY
MTB
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Stocks Compared:
3RY MTB
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Valuation Comparison

3RY Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Bancshares Inc (Mississippi)
F:3RY
31.2 EUR
M&T Bank Corp
NYSE:MTB
213.85 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
3RY, MTB

3RY
MTB
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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
First Bancshares Inc (Mississippi)
Revenue
M&T Bank Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
3RY, MTB

3RY
MTB
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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
First Bancshares Inc (Mississippi)
F:3RY
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

3RY
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

3RY
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

3RY
27.2%
MTB
27.9%

FCF Margin

3RY
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

3RY
7.9%
MTB
9.3%

ROA

3RY
1%
MTB
1.3%

ROIC

3RY
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

3RY
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
3RY, MTB

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3RY
MTB
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Performance Gap
3RY, MTB

Performance Gap Between 3RY and MTB
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Performance By Year
3RY, MTB

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3RY
MTB
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