` Comparison: AMAL, MTB - Alpha Spread

AMAL
vs
MTB

Over the past 12 months, AMAL has underperformed MTB, delivering a return of +0% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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AMAL
MTB
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Stocks Compared:
AMAL MTB
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Valuation Comparison

AMAL Intrinsic Value
53.4 USD
Undervaluation 38%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Amalgamated Bank
NASDAQ:AMAL
32.86 USD
M&T Bank Corp
NYSE:MTB
206.51 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
AMAL, MTB

AMAL
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
Amalgamated Bank
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
AMAL, MTB

AMAL
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
Amalgamated Bank
NASDAQ:AMAL
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

AMAL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

AMAL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

AMAL
31.8%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
M&T Bank Corp

FCF Margin

AMAL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

AMAL
13.9%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
M&T Bank Corp

ROA

AMAL
1.2%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
M&T Bank Corp

ROIC

AMAL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

AMAL
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
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
AMAL, MTB

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AMAL
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
AMAL, MTB

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AMAL
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
AMAL, MTB

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AMAL
MTB
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