` Comparison: FGBI, MTB - Alpha Spread

FGBI
vs
MTB

Over the past 12 months, FGBI has underperformed MTB, delivering a return of -59% compared to the MTB's +11% growth.

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

FGBI Intrinsic Value
6.11 USD
Undervaluation 18%
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 Guaranty Bancshares Inc
NASDAQ:FGBI
5.03 USD
M&T Bank Corp
NYSE:MTB
206.71 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
FGBI, MTB

FGBI
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 Guaranty Bancshares Inc
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
FGBI, MTB

FGBI
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 Guaranty Bancshares Inc
NASDAQ:FGBI
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

FGBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FGBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FGBI
-60.9%
MTB
27.3%

FCF Margin

FGBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FGBI
-25%
MTB
9.1%

ROA

FGBI
-1.6%
MTB
1.2%

ROIC

FGBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FGBI
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
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
FGBI, MTB

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

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

Performance By Year
FGBI, MTB

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FGBI
MTB
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