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

Over the past 12 months, PFBC has underperformed TFC, delivering a return of -2% compared to the TFC's +17% growth.

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

PFBC 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
Preferred Bank
NASDAQ:PFBC
89.47 USD
Truist Financial Corp
NYSE:TFC
55.075 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PFBC, TFC

PFBC
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
Preferred Bank
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
PFBC, TFC

PFBC
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
Preferred Bank
NASDAQ:PFBC
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

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

Operating Margin

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

Net Margin

PFBC
46%
TFC
24.5%

FCF Margin

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

ROE

PFBC
17.2%
TFC
7.7%

ROA

PFBC
1.8%
TFC
0.9%

ROIC

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

ROCE

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

Solvency Comparison

Preferred Bank
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
PFBC, TFC

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PFBC
TFC
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Performance Gap
PFBC, TFC

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

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PFBC
TFC
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