` Comparison: ISTR, TFC - Alpha Spread

ISTR
vs
TFC

Over the past 12 months, ISTR has outperformed TFC, delivering a return of +24% compared to the TFC's +15% growth.

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

ISTR Intrinsic Value
48.79 USD
Undervaluation 43%
Intrinsic Value
Price
TFC Intrinsic Value
62.83 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Investar Holding Corp
NASDAQ:ISTR
27.68 USD
Truist Financial Corp
NYSE:TFC
49.94 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ISTR, TFC

ISTR
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
Investar Holding 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
ISTR, TFC

ISTR
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
Investar Holding Corp
NASDAQ:ISTR
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

ISTR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

ISTR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

ISTR
25.2%
TFC
24.3%

FCF Margin

ISTR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

ISTR
8.3%
TFC
7.5%

ROA

ISTR
0.8%
TFC
0.9%

ROIC

ISTR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

ISTR
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Investar Holding 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
ISTR, TFC

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

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

Performance By Year
ISTR, TFC

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ISTR
TFC
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