` Comparison: 3T8 vs HBAN - Alpha Spread
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3T8
vs
HBAN

Over the past 12 months, 3T8 has underperformed HBAN, delivering a return of -14% compared to the HBAN's +2% growth.

Valuation Growth Profitability Solvency Stocks Performance
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3T8
HBAN
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Stocks Compared:
3T8 HBAN
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Valuation Comparison

3T8 Intrinsic Value
50.76 EUR
Undervaluation 41%
Intrinsic Value
Price
HBAN Intrinsic Value
18.25 USD
Undervaluation 5%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Towne Bank
F:3T8
30 EUR
Huntington Bancshares Inc
NASDAQ:HBAN
17.26 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
3T8, HBAN

3T8
HBAN
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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
Towne Bank
Revenue
Huntington Bancshares Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
3T8, HBAN

3T8
HBAN
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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
Towne Bank
F:3T8
FCF is not applicable for financial companies
Huntington Bancshares Inc
NASDAQ:HBAN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

3T8
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Towne Bank
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Operating Margin

3T8
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Towne Bank
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Net Margin

3T8
20.3%
HBAN
25.6%

FCF Margin

3T8
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Towne Bank
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROE

3T8
7.4%
HBAN
9.5%

ROA

3T8
0.9%
HBAN
1%

ROIC

3T8
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Towne Bank
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROCE

3T8
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Towne Bank
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Solvency Comparison

Towne Bank
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Huntington Bancshares Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
3T8, HBAN

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3T8
HBAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
3T8, HBAN

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3T8
HBAN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
3T8, HBAN

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3T8
HBAN
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