` Comparison: MSBI, TFC - Alpha Spread

MSBI
vs
TFC

Over the past 12 months, MSBI has underperformed TFC, delivering a return of -20% 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
28.61 USD
Undervaluation 26%
Intrinsic Value
Price
TFC Intrinsic Value
62.6 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Midland States Bancorp Inc
NASDAQ:MSBI
21.2 USD
Truist Financial Corp
NYSE:TFC
49.89 USD
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Valuation Scenario:
Bear 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
24.3%

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
7.5%

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

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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

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

Performance By Year
MSBI, TFC

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MSBI
TFC
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