` Comparison: PFBC, TFC - Alpha Spread

PFBC
vs
TFC

Over the past 12 months, PFBC has underperformed TFC, delivering a return of +8% compared to the TFC's +10% 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
130.84 USD
Undervaluation 23%
Intrinsic Value
Price
TFC Intrinsic Value
62.45 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Preferred Bank
NASDAQ:PFBC
100.09 USD
Truist Financial Corp
NYSE:TFC
49.89 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
45.3%
TFC
24.3%

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
16.9%
TFC
7.5%

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

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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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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PFBC, TFC

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

Performance By Year
PFBC, TFC

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PFBC
TFC
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