` GABC (German American Bancorp Inc) vs MTB (M&T Bank Corp) Comparison - Alpha Spread

GABC
vs
MTB

Over the past 12 months, GABC has underperformed MTB, delivering a return of +8% compared to the MTB's +29% growth.

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GABC
MTB
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

GABC Intrinsic Value
42.58 USD
Undervaluation 5%
Intrinsic Value
Price
MTB Intrinsic Value
251.13 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
German American Bancorp Inc
NASDAQ:GABC
40.37 USD
M&T Bank Corp
NYSE:MTB
201.91 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
GABC vs MTB

GABC
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
German American Bancorp Inc
Revenue
M&T Bank Corp
Revenue

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

Profitability Comparison

Free Cash Flow
GABC vs MTB

GABC
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
German American Bancorp Inc
NASDAQ:GABC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

GABC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

GABC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

GABC
27.5%
MTB
26.7%

FCF Margin

GABC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

GABC
8.9%
MTB
8.9%

ROA

GABC
1%
MTB
1.2%

ROIC

GABC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

GABC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
German American Bancorp Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
GABC vs MTB

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Performance Gap
GABC vs MTB

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GABC
MTB
Difference
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Performance By Year
GABC vs MTB

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GABC
MTB
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