` Comparison: EFSC, TFC - Alpha Spread

EFSC
vs
TFC

Over the past 12 months, EFSC has underperformed TFC, delivering a return of +1% compared to the TFC's +17% growth.

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

EFSC Intrinsic Value
74.41 USD
Undervaluation 25%
Intrinsic Value
Price
TFC Intrinsic Value
62.66 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Enterprise Financial Services Corp
NASDAQ:EFSC
56.14 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
EFSC, TFC

EFSC
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
Enterprise Financial Services Corp
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
EFSC, TFC

EFSC
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
Enterprise Financial Services Corp
NASDAQ:EFSC
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

EFSC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Enterprise Financial Services Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

EFSC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Enterprise Financial Services Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

EFSC
26.9%
TFC
24.3%

FCF Margin

EFSC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Enterprise Financial Services Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

EFSC
10.1%
TFC
7.5%

ROA

EFSC
1.2%
TFC
0.9%

ROIC

EFSC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Enterprise Financial Services Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

EFSC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Enterprise Financial Services Corp
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
EFSC, TFC

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

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

Performance By Year
EFSC, TFC

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EFSC
TFC
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