` Comparison: ISBA, TFC - Alpha Spread

ISBA
vs
TFC

Over the past 12 months, ISBA has significantly outperformed TFC, delivering a return of +77% compared to the TFC's +8% growth.

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

ISBA Intrinsic Value
36.8 USD
Overvaluation 13%
Intrinsic Value
Price
TFC Intrinsic Value
62.33 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Isabella Bank Corp
NASDAQ:ISBA
42.4 USD
Truist Financial Corp
NYSE:TFC
49.56 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ISBA, TFC

ISBA
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
Isabella Bank 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
ISBA, TFC

ISBA
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
Isabella Bank Corp
NASDAQ:ISBA
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

ISBA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

ISBA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

ISBA
20.5%
TFC
24.3%

FCF Margin

ISBA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

ISBA
7.1%
TFC
7.5%

ROA

ISBA
0.7%
TFC
0.9%

ROIC

ISBA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

ISBA
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank 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
ISBA, TFC

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

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

Performance By Year
ISBA, TFC

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ISBA
TFC
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