` Comparison: FSBC, TFC - Alpha Spread

FSBC
vs
TFC

Over the past 12 months, FSBC has outperformed TFC, delivering a return of +13% compared to the TFC's +10% growth.

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

FSBC 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
Five Star Bancorp
NASDAQ:FSBC
37.26 USD
Truist Financial Corp
NYSE:TFC
49.89 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FSBC, TFC

FSBC
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
Five Star 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
FSBC, TFC

FSBC
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
Five Star Bancorp
NASDAQ:FSBC
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

FSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

FSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

FSBC
38.2%
TFC
24.3%

FCF Margin

FSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

FSBC
14%
TFC
7.5%

ROA

FSBC
1.3%
TFC
0.9%

ROIC

FSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

FSBC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
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
FSBC, TFC

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FSBC
TFC
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Performance Gap
FSBC, TFC

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

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FSBC
TFC
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