` Comparison: UCBN vs TFC - Alpha Spread
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UCBN
vs
TFC

Over the past 12 months, UCBN has underperformed TFC, delivering a return of -8% compared to the TFC's +20% growth.

Valuation Growth Profitability Solvency Stocks Performance
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UCBN
TFC
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Stocks Compared:
UCBN TFC
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Valuation Comparison

UCBN 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
United Community Banks Inc
F:UCBN
30.4 EUR
Truist Financial Corp
NYSE:TFC
55.77 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
UCBN, TFC

UCBN
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
United Community Banks Inc
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
UCBN, TFC

UCBN
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
United Community Banks Inc
F:UCBN
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

UCBN
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

UCBN
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

UCBN
20.4%
TFC
24.5%

FCF Margin

UCBN
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

UCBN
5.7%
TFC
7.7%

ROA

UCBN
0.7%
TFC
0.9%

ROIC

UCBN
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

UCBN
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
United Community Banks Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

United Community Banks Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UCBN, TFC

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UCBN
TFC
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Performance Gap
UCBN, TFC

Performance Gap Between UCBN and TFC
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Performance By Year
UCBN, TFC

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UCBN
TFC
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