` Comparison: FGBI, TFC - Alpha Spread

FGBI
vs
TFC

Over the past 12 months, FGBI has underperformed TFC, delivering a return of -59% compared to the TFC's +17% growth.

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

FGBI Intrinsic Value
6.11 USD
Undervaluation 18%
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
First Guaranty Bancshares Inc
NASDAQ:FGBI
5.03 USD
Truist Financial Corp
NYSE:TFC
50.29 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
FGBI, TFC

FGBI
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
First Guaranty Bancshares 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
FGBI, TFC

FGBI
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 Guaranty Bancshares Inc
NASDAQ:FGBI
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

FGBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

FGBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

FGBI
-60.9%
TFC
24.3%

FCF Margin

FGBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

FGBI
-25%
TFC
7.5%

ROA

FGBI
-1.6%
TFC
0.9%

ROIC

FGBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

FGBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
First Guaranty Bancshares 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
FGBI, TFC

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

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

Performance By Year
FGBI, TFC

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FGBI
TFC
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