` Comparison: MBWM, TFC - Alpha Spread

MBWM
vs
TFC

Over the past 12 months, MBWM has underperformed TFC, delivering a return of +1% compared to the TFC's +10% growth.

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

MBWM 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
Mercantile Bank Corp
NASDAQ:MBWM
49.56 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
MBWM, TFC

MBWM
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
Mercantile 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
MBWM, TFC

MBWM
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
Mercantile Bank Corp
NASDAQ:MBWM
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

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

Operating Margin

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

Net Margin

MBWM
35.8%
TFC
24.3%

FCF Margin

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

ROE

MBWM
13.8%
TFC
7.5%

ROA

MBWM
1.4%
TFC
0.9%

ROIC

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

ROCE

MBWM
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Mercantile 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
MBWM, TFC

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MBWM
TFC
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Performance Gap
MBWM, TFC

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

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MBWM
TFC
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