` Comparison: HBNC, TFC - Alpha Spread

HBNC
vs
TFC

Over the past 12 months, HBNC has underperformed TFC, delivering a return of +4% compared to the TFC's +10% growth.

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HBNC
TFC
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Stocks Compared:
HBNC TFC
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Valuation Comparison

HBNC 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
Horizon Bancorp Inc
NASDAQ:HBNC
18.47 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
HBNC, TFC

HBNC
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
Horizon Bancorp 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
HBNC, TFC

HBNC
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
Horizon Bancorp Inc
NASDAQ:HBNC
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

HBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Horizon Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

HBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Horizon Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

HBNC
242.2%
TFC
24.3%

FCF Margin

HBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Horizon Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

HBNC
-26.6%
TFC
7.5%

ROA

HBNC
-2.6%
TFC
0.9%

ROIC

HBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Horizon Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

HBNC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Horizon Bancorp 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
HBNC, TFC

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HBNC
TFC
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Performance Gap
HBNC, TFC

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

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HBNC
TFC
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