` NBTB (NBT Bancorp Inc) vs TFC (Truist Financial Corp) Comparison - Alpha Spread

NBTB
vs
TFC

Over the past 12 months, NBTB has underperformed TFC, delivering a return of +17% compared to the TFC's +22% growth.

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NBTB
TFC
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

NBTB Intrinsic Value
52.44 USD
Undervaluation 17%
Intrinsic Value
Price
TFC Intrinsic Value
57.84 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
NBT Bancorp Inc
NASDAQ:NBTB
43.44 USD
Truist Financial Corp
NYSE:TFC
45.54 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
NBTB vs TFC

NBTB
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
NBT Bancorp Inc
Revenue
Truist Financial Corp
Revenue

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

Profitability Comparison

Free Cash Flow
NBTB vs TFC

NBTB
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
NBT Bancorp Inc
NASDAQ:NBTB
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

NBTB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
NBT Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

NBTB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
NBT Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

NBTB
24.3%
TFC
34%

FCF Margin

NBTB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
NBT Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

NBTB
9.6%
TFC
7.4%

ROA

NBTB
1.1%
TFC
0.9%

ROIC

NBTB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
NBT Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

NBTB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
NBT Bancorp Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
NBTB vs TFC

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Performance Gap
NBTB vs TFC

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NBTB
TFC
Difference
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Performance By Year
NBTB vs TFC

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NBTB
TFC
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