` Comparison: CTBI, TFC - Alpha Spread

CTBI
vs
TFC

Over the past 12 months, CTBI has underperformed TFC, delivering a return of +3% compared to the TFC's +10% growth.

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

CTBI 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
Community Trust Bancorp Inc
NASDAQ:CTBI
60.12 USD
Truist Financial Corp
NYSE:TFC
49.89 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CTBI, TFC

CTBI
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
Community Trust Bancorp 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
CTBI, TFC

CTBI
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
Community Trust Bancorp Inc
NASDAQ:CTBI
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

CTBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Community Trust Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

CTBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Community Trust Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

CTBI
34.1%
TFC
24.3%

FCF Margin

CTBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Community Trust Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

CTBI
11.7%
TFC
7.5%

ROA

CTBI
1.5%
TFC
0.9%

ROIC

CTBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Community Trust Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

CTBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Community Trust Bancorp 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
CTBI, TFC

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CTBI
TFC
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Performance Gap
CTBI, TFC

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

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CTBI
TFC
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