` Comparison: HTBK, TFC - Alpha Spread

HTBK
vs
TFC

Over the past 12 months, HTBK has outperformed TFC, delivering a return of +17% compared to the TFC's +10% growth.

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HTBK
TFC
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Stocks Compared:
HTBK TFC
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Valuation Comparison

HTBK 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
Heritage Commerce Corp
NASDAQ:HTBK
12.04 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
HTBK, TFC

HTBK
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
Heritage Commerce Corp
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
HTBK, TFC

HTBK
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
Heritage Commerce Corp
NASDAQ:HTBK
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

HTBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

HTBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

HTBK
22.8%
TFC
24.3%

FCF Margin

HTBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

HTBK
6.3%
TFC
7.5%

ROA

HTBK
0.8%
TFC
0.9%

ROIC

HTBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

HTBK
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Heritage Commerce Corp
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
HTBK, TFC

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HTBK
TFC
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Performance Gap
HTBK, TFC

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

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HTBK
TFC
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