` Comparison: FFBC, MTB - Alpha Spread

FFBC
vs
MTB

Over the past 12 months, FFBC has underperformed MTB, delivering a return of -1% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FFBC
MTB
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Stocks Compared:
FFBC MTB
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Valuation Comparison

FFBC Intrinsic Value
43.79 USD
Undervaluation 39%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Financial Bancorp
NASDAQ:FFBC
26.58 USD
M&T Bank Corp
NYSE:MTB
205.72 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FFBC, MTB

FFBC
MTB
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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
First Financial Bancorp
Revenue
M&T Bank Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
FFBC, MTB

FFBC
MTB
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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 Financial Bancorp
NASDAQ:FFBC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FFBC
29.2%
MTB
27.3%

FCF Margin

FFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FFBC
10.2%
MTB
9.1%

ROA

FFBC
1.4%
MTB
1.2%

ROIC

FFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FFBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Financial Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FFBC, MTB

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FFBC
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FFBC, MTB

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FFBC
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FFBC, MTB

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FFBC
MTB
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