` Comparison: ABCB vs TFC - Alpha Spread

ABCB
vs
TFC

Over the past 12 months, ABCB has outperformed TFC, delivering a return of +23% compared to the TFC's +17% growth.

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ABCB
TFC
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Valuation Comparison

ABCB 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
Ameris Bancorp
NASDAQ:ABCB
83.91 USD
Truist Financial Corp
NYSE:TFC
55.075 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ABCB, TFC

ABCB
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
Ameris Bancorp
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
ABCB, TFC

ABCB
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
Ameris Bancorp
NASDAQ:ABCB
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

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

ABCB
34.1%
TFC
24.5%

FCF Margin

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

ABCB
10.5%
TFC
7.7%

ROA

ABCB
1.5%
TFC
0.9%

ROIC

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
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
ABCB, TFC

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Performance Gap
ABCB, TFC

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

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ABCB
TFC
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