` Comparison: MSBI vs TFC - Alpha Spread
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MSBI
vs
TFC

Over the past 12 months, MSBI has outperformed TFC, delivering a return of +16% compared to the TFC's +10% growth.

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

MSBI 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
Midland States Bancorp Inc
NASDAQ:MSBI
22.365 USD
Truist Financial Corp
NYSE:TFC
49.61 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
MSBI, TFC

MSBI
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
Midland States Bancorp Inc
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
MSBI, TFC

MSBI
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
Midland States Bancorp Inc
NASDAQ:MSBI
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

MSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Midland States Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

MSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Midland States Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

MSBI
-33.7%
TFC
24.5%

FCF Margin

MSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Midland States Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

MSBI
-18.8%
TFC
7.7%

ROA

MSBI
-1.8%
TFC
0.9%

ROIC

MSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Midland States Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

MSBI
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Midland States Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Midland States Bancorp Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
MSBI, TFC

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MSBI
TFC
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Performance Gap
MSBI, TFC

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

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MSBI
TFC
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