` Comparison: MCBC vs MTB - Alpha Spread

MCBC
vs
MTB

Over the past 12 months, MCBC has underperformed MTB, delivering a return of 0% compared to the MTB's +8% growth.

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MCBC
MTB
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Stocks Compared:
MCBC MTB
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Valuation Comparison

MCBC Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Macatawa Bank Corp
NASDAQ:MCBC
14.82 USD
M&T Bank Corp
NYSE:MTB
216.68 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
MCBC, MTB

MCBC
MTB
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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
Macatawa Bank Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
MCBC, MTB

MCBC
MTB
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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
Macatawa Bank Corp
NASDAQ:MCBC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

MCBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

MCBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

MCBC
39.4%
MTB
27.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
M&T Bank Corp

FCF Margin

MCBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

MCBC
14.8%
MTB
9.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
M&T Bank Corp

ROA

MCBC
1.6%
MTB
1.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
M&T Bank Corp

ROIC

MCBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

MCBC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Macatawa Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MCBC, MTB

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MCBC
MTB
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Performance Gap
MCBC, MTB

Performance Gap Between MCBC and MTB
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Performance By Year
MCBC, MTB

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MCBC
MTB
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