` Comparison: EBC, TFC - Alpha Spread

EBC
vs
TFC

Over the past 12 months, EBC has underperformed TFC, delivering a return of +6% compared to the TFC's +11% growth.

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

EBC Intrinsic Value
31.69 USD
Undervaluation 38%
Intrinsic Value
Price
TFC Intrinsic Value
62.599 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Eastern Bankshares Inc
NASDAQ:EBC
19.59 USD
Truist Financial Corp
NYSE:TFC
50.175 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
EBC, TFC

EBC
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
Eastern Bankshares 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
EBC, TFC

EBC
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
Eastern Bankshares Inc
NASDAQ:EBC
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

EBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Eastern Bankshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

EBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Eastern Bankshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

EBC
7.6%
TFC
24.3%

FCF Margin

EBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Eastern Bankshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

EBC
1.3%
TFC
7.5%

ROA

EBC
0.2%
TFC
0.9%

ROIC

EBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Eastern Bankshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

EBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Eastern Bankshares 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
EBC, TFC

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

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

Performance By Year
EBC, TFC

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EBC
TFC
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