` Comparison: FINW, TFC - Alpha Spread

FINW
vs
TFC

Over the past 12 months, FINW has underperformed TFC, delivering a return of +9% compared to the TFC's +15% growth.

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

FINW Intrinsic Value
31.12 USD
Undervaluation 41%
Intrinsic Value
Price
TFC Intrinsic Value
62.83 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Finwise Bancorp
NASDAQ:FINW
18.39 USD
Truist Financial Corp
NYSE:TFC
49.94 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FINW, TFC

FINW
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
Finwise Bancorp
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
FINW, TFC

FINW
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
Finwise Bancorp
NASDAQ:FINW
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FINW
0%
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
Truist Financial Corp
Not applicable for financial companies

Operating Margin

FINW
0%
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
Truist Financial Corp
Not applicable for financial companies

Net Margin

FINW
0%
TFC
24.3%

FCF Margin

FINW
0%
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
Truist Financial Corp
Not applicable for financial companies

ROE

FINW
8%
TFC
7.5%

ROA

FINW
1.8%
TFC
0.9%

ROIC

FINW
0%
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
Truist Financial Corp
Not applicable for financial companies

ROCE

FINW
0%
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Finwise Bancorp
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
FINW, TFC

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

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

Performance By Year
FINW, TFC

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FINW
TFC
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