` Comparison: 3RY vs TFC - Alpha Spread

3RY
vs
TFC

Over the past 12 months, 3RY has underperformed TFC, delivering a return of -10% compared to the TFC's +4% growth.

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3RY
TFC
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Stocks Compared:
3RY TFC
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Valuation Comparison

3RY Intrinsic Value
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TFC 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
Truist Financial Corp
NYSE:TFC
49.525 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
3RY, TFC

3RY
TFC
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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
Truist Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
3RY, TFC

3RY
TFC
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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
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

3RY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

3RY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

3RY
27.2%
TFC
24.5%

FCF Margin

3RY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

3RY
7.9%
TFC
7.7%

ROA

3RY
1%
TFC
0.9%

ROIC

3RY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

3RY
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancshares Inc (Mississippi)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
3RY, TFC

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3RY
TFC
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Performance Gap
3RY, TFC

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

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3RY
TFC
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