` Comparison: AMAL, TFC - Alpha Spread

AMAL
vs
TFC

Over the past 12 months, AMAL has underperformed TFC, delivering a return of +0% compared to the TFC's +17% growth.

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

AMAL Intrinsic Value
53.4 USD
Undervaluation 38%
Intrinsic Value
Price
TFC Intrinsic Value
62.656 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Amalgamated Bank
NASDAQ:AMAL
32.86 USD
Truist Financial Corp
NYSE:TFC
49.865 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
AMAL, TFC

AMAL
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
Amalgamated Bank
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
AMAL, TFC

AMAL
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
Amalgamated Bank
NASDAQ:AMAL
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

AMAL
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

AMAL
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

AMAL
31.8%
TFC
24.3%

FCF Margin

AMAL
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

AMAL
13.9%
TFC
7.5%

ROA

AMAL
1.2%
TFC
0.9%

ROIC

AMAL
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Amalgamated Bank
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

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

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

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

Performance By Year
AMAL, TFC

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AMAL
TFC
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