` Comparison: BFST, MTB - Alpha Spread

B
BFST
vs
MTB

Over the past 12 months, BFST has underperformed MTB, delivering a return of +8% compared to the MTB's +16% growth.

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BFST
MTB
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

B
BFST Intrinsic Value
38.04 USD
Undervaluation 40%
Intrinsic Value
Price
MTB Intrinsic Value
252.964 USD
Undervaluation 26%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Business First Bancshares Inc
NASDAQ:BFST
22.92 USD
M&T Bank Corp
NYSE:MTB
186.315 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BFST, MTB

BFST
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
B
Business First Bancshares Inc
Revenue
M&T Bank Corp
Revenue

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

Profitability Comparison

Free Cash Flow
BFST, MTB

BFST
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
B
Business First Bancshares Inc
NASDAQ:BFST
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

BFST
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
B
Business First Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

BFST
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
B
Business First Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

BFST
23.5%
MTB
27%

FCF Margin

BFST
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
B
Business First Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

BFST
9.5%
MTB
8.9%

ROA

BFST
1%
MTB
1.2%

ROIC

BFST
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
B
Business First Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

BFST
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
B
Business First Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
BFST, MTB

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Performance Gap
BFST, MTB

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BFST
MTB
Difference
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Performance By Year
BFST, MTB

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BFST
MTB
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