` Comparison: CIVB, TFC - Alpha Spread

CIVB
vs
TFC

Over the past 12 months, CIVB has underperformed TFC, delivering a return of +15% compared to the TFC's +15% growth.

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

CIVB Intrinsic Value
33.76 USD
Undervaluation 29%
Intrinsic Value
Price
TFC Intrinsic Value
62.66 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Civista Bancshares Inc
NASDAQ:CIVB
24.1 USD
Truist Financial Corp
NYSE:TFC
49.71 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
CIVB, TFC

CIVB
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
Civista Bancshares 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
CIVB, TFC

CIVB
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
Civista Bancshares Inc
NASDAQ:CIVB
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

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

CIVB
26.1%
TFC
24.3%

FCF Margin

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

CIVB
9.7%
TFC
7.5%

ROA

CIVB
1.1%
TFC
0.9%

ROIC

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
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
CIVB, TFC

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CIVB
TFC
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Performance Gap
CIVB, TFC

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

Performance By Year
CIVB, TFC

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TFC
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