` Comparison: FBNC, TFC - Alpha Spread

FBNC
vs
TFC

Over the past 12 months, FBNC has significantly outperformed TFC, delivering a return of +23% compared to the TFC's +2% growth.

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FBNC
TFC
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

FBNC 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
First Bancorp (North Carolina)
NASDAQ:FBNC
51.04 USD
Truist Financial Corp
NYSE:TFC
44.73 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FBNC, TFC

FBNC
TFC
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First Bancorp (North Carolina)
Revenue
Truist Financial Corp
Revenue

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

Profitability Comparison

Free Cash Flow
FBNC, TFC

FBNC
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
First Bancorp (North Carolina)
NASDAQ:FBNC
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

FBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancorp (North Carolina)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

FBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancorp (North Carolina)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

FBNC
24.6%
TFC
24.4%

FCF Margin

FBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancorp (North Carolina)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

FBNC
7.8%
TFC
7.6%

ROA

FBNC
0.9%
TFC
0.9%

ROIC

FBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancorp (North Carolina)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

FBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Bancorp (North Carolina)
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
FBNC, TFC

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Performance Gap
FBNC, TFC

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

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FBNC
TFC
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